# TRI-COUNTY TRUST CO
GLASGOW, MO · FDIC certificate 11465 · asset band <$300M · latest filing 2026-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $60.5M | |
| Deposits | $50.6M | |
| Loans and leases | $41.5M | |
| Total equity | $7.0M | |
| Loans / deposits | 80.69% (p66 of band) | 72.28% |
| Liquid assets / assets | 29.41% (p39 of band) | |
| Uninsured deposits / deposits | 12.93% (p24 of band) | 19.31% |
| Brokered deposits | 3.95% | |
| Wholesale funding | 8.41% (p82 of band) | |
| FHLB advances / assets | 4.46% | |
| Tier 1 leverage | 12.84% (p63 of band) | 11.62% |
| Unrealized securities loss / equity | -15.73% (p30 of band) | -7.15% |
| AOCI / equity | -2.33% (p13 of band) | |
| ROA (annualized) | 1.41% (p66 of band) | 1.12% |
| Net interest margin | 4.44% (p77 of band) | 3.86% |
| Efficiency ratio | 68.01% (p54 of band) | |
| Noncurrent loans | 1.06% (p72 of band) | 0.34% |
| Net charge-offs (annualized) | 0.01% (p70 of band) | |
| Reserve coverage of noncurrent | 137.73% | |
| Real estate % of loans | 58% | |
| Construction % of loans | 1.61% (p22 of band) | |
| Auto loans | $1.8M (4.35% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.3% | |
| Employees | 9 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | reserve under noncurrent |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | reserve under noncurrent |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | uninsured deposits leaving |  |
| 2014-06 | 0 |  | uninsured deposits leaving |
| 2014-09 | 0 |  |  |
| 2014-12 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2015-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2015-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2015-09 | 1 |  | deposits shrinking |
| 2015-12 | 0 |  | uninsured deposits leaving |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | reserve under noncurrent |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2017-09 | 2 | charge-offs p90 |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 | capital falling | charge-offs p90 |
| 2018-06 | 0 |  | uninsured deposits leaving, capital falling |
| 2018-09 | 3 | brokered >10%, wholesale funding >15%, uninsured deposits leaving |  |
| 2018-12 | 2 |  | wholesale funding >15% |
| 2019-03 | 5 | capital falling, charge-offs p90, reserve under noncurrent |  |
| 2019-06 | 4 | noncurrent p90 | capital falling, charge-offs p90 |
| 2019-09 | 2 |  | uninsured deposits leaving, noncurrent p90 |
| 2019-12 | 2 | charge-offs p90 | reserve under noncurrent |
| 2020-03 | 2 | capital falling | charge-offs p90 |
| 2020-06 | 2 |  |  |
| 2020-09 | 1 |  | brokered >10% |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 1 | deposits shrinking |  |
| 2021-12 | 2 | assets shrinking |  |
| 2022-03 | 0 |  | deposits shrinking, assets shrinking |
| 2022-06 | 2 | AOCI drag >20% of equity, assets shrinking |  |
| 2022-09 | 2 | securities losses >30% of equity | assets shrinking |
| 2022-12 | 1 |  | securities losses >30% of equity |
| 2023-03 | 1 | brokered >10% | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | wholesale funding >15%, securities losses >30% of equity, deposits shrinking | brokered >10% |
| 2023-12 | 2 |  | securities losses >30% of equity |
| 2024-03 | 4 | brokered >10%, uninsured deposits leaving |  |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 | noncurrent p90, charge-offs p90, reserve under noncurrent | deposits shrinking, brokered >10%, uninsured deposits leaving |
| 2024-12 | 3 |  | charge-offs p90 |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 | deposits shrinking, uninsured deposits leaving | noncurrent p90, reserve under noncurrent |
| 2025-09 | 0 |  | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-24 [BTC Bank to acquire Tri-County Trust in Glasgow - The Fayette Advertiser](https://news.google.com/rss/articles/CBMinAFBVV95cUxNcnFUZHJjMGhkQWxtZ29mcjFIVHdWWkRPQjd6UjN0cHpvbTJucV9pWTJ1N1pRcFRXWEs3ZS1vY2Nkb0lCWjZxUG1RSjZ2TnJaZVFpdWVOVm01WHhPVVpucmYtcnQwMFdDRnNwUnRGSVNwdmYwQXBzOGszZFBkSHMwMktmYmQxRUE3YXJNU09YYklvLTJod3VJN20xWVM?oc=5) · The Fayette Advertiser

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11465 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/9.json (key "11465", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide