# TRI-COUNTY BANK
STUART, NE · FDIC certificate 16339 · asset band <$300M · latest filing 2026-06 · live

**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 | $299.3M | |
| Deposits | $272.8M | |
| Loans and leases | $178.5M | |
| Total equity | $24.0M | |
| Loans / deposits | 64.59% (p37 of band) | 73.59% |
| Liquid assets / assets | 33.88% (p53 of band) | |
| Uninsured deposits / deposits | 3.95% (p2 of band) | 19.81% |
| Brokered deposits | 6.00% | |
| Wholesale funding | 6.25% (p76 of band) | |
| FHLB advances / assets | 0.25% | |
| Tier 1 leverage | 8.45% (p6 of band) | 11.76% |
| Unrealized securities loss / equity | -27.91% (p15 of band) | -6.57% |
| AOCI / equity | -0.64% (p39 of band) | |
| ROA (annualized) | 1.01% (p40 of band) | 1.17% |
| Net interest margin | 4.25% (p66 of band) | 3.93% |
| Efficiency ratio | 69.93% (p60 of band) | |
| Noncurrent loans | 0.01% (p26 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p16 of band) | |
| Reserve coverage of noncurrent | 9300.00% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 25.17% (p59 of band) | |
| Auto loans | $3.4M (1.91% of loans; DQ 0.32%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 40.6% | |
| Employees | 46 | |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-05-07 [Tri-County Bancorp, Inc. and Mayville Financial Corp. Announce Merger Agreement - PR Newswire](https://news.google.com/rss/articles/CBMizAFBVV95cUxPSlFtVTZxZ3dQNW1TTE9xeHhlcEFvNl92dWJ2OGZCOFhyelh3dlQwRnhKVUlQZGh2bDVkd2NRSG5mLTEyNFBPMy1Kb1kwLTJ4ZUk3UzFSZHA0bFJnWUdzRDlyNXFFNUdleE9fLW1FbWZvTFlZTXd6bFhmNERNR3VJWWpRczBFWEZrMEVZaVZZaUY1MTJNSS1FMmpib2x1b0cyNmRMbklrWDN0c3NXRk51UXU5SmxhX2lKWmhNTFR4ekxVQUlUQnJZdEhmQWY?oc=5) · PR Newswire
- 2026-05-16 [Tri-County Bank, Mayville State Bank to Merge - tuscolatoday.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxQamNKQ3Yxc0FISVBGWU5JbXFPcThUMkgwd2xCSkdHbEVBVzNmWm9GT01HR0VjUDIxYVg3ZVgwUk1ld01WaW1qRVJoT05YNVl6clpCeEVWWGhxYU93SWN5aTBXdlBEZTZwYndwVjByMnlJR0R4N05La1V1d3RqNzk5STUtV01DQ0wtemNRSlBIZGxuNjJyT0c3Qm5UdVpRSVloLTZVR0c4V192TmpYZlRLZW50Yjh4Um9DNEJUUHd0V3h0bERrZ0RV?oc=5) · tuscolatoday.com
- 2026-04-18 [Market opens soon with new name, expanded offerings - Journal Review](https://news.google.com/rss/articles/CBMimgFBVV95cUxPbmFTWFkwMWpxZ2RiYklnQjVKODFFLVZFNE1Fd0pEQzBEOGpQVVpQa0VYSU5aSFpQcms0elQzcDY2Y3M0bHNWVzN5cXROZk9IN2VCQmFfVjVNUjBqdHAxQThnRHJTNEpiazhQeXpLNF9BaHNFaFQ4NFZmRWJvZDUtd0xFOGxKaEd0aUtrZ1lORmRLRTJzaVVFa3RB?oc=5) · Journal Review
- 2026-09-01 [Michigan Thumb bank expands its holdings with acquisition - Crain's Detroit](https://news.google.com/rss/articles/CBMigAFBVV95cUxOc0VBNkZWOUsyUkFuSGYwTWl2cHlsVGt4QWNQc3VzVmlYelYwb2R6NTBfbXFOTE0yNnVwZmM3bUZydzBQT3JsbjFVa3VxQWhoendjYjRyb3N0NHQ3SHJWVDM1aUl4LXVXMlZWMkNEWlFudUZMdEFmdHNEUkxZVVcwNA?oc=5) · Crain's Detroit
- 2024-07-23 [Citizens Tri-County Bank Celebrating 30 Years in Whitwell - Sequatchie Valley Now](https://news.google.com/rss/articles/CBMilwFBVV95cUxQRnMwQ0RNTDE4QmxaXzQ3cHBxcC1PUldmYXhLUDg2eEZaeHZGaDZMZ0w3eEMtQmlGOXE1clc4YjI2WkowcmFZMDAxR2ZDWlVKU05SMmlyUFhQNDU5UDNLcjNwS2RDRXBnOHY2akNwdEJTWUhPSDlnaHlJS25uTUNmbDNxVUpMYzZ3UXhmVHJYOXhmdWRsTlVR0gGcAUFVX3lxTE1RalJycURldUJuSWVhYlgwTUI0SjV4NHQydzVELTBWVHF2TEpMNlc0WXcta3FZbG80TnpFTlN5R25vT2k1UExSYlFYRW9BanFYNi15REpSS21MVXdGZXQzQy1vckgzNnJ5TExkZnhzeHNTZUMyVS1RTlhGNmxZSmVGdXotTjYtaFRfeDhnSTRBM3dvbTIzMjRVekl2Rg?oc=5) · Sequatchie Valley Now
- 2026-08-13 [Tri County Bank Stuart Branch Makes Donation to North Central Collaborative - KBRX.com](https://news.google.com/rss/articles/CBMirAFBVV95cUxPSkhsYkNlb2l0cGxzMS1Cd0F3VHNxUTAyUThWNFdCNnNVQWw2Y1N6SFQza0pHWms5ZXdmYTcwa0JOc1BZWGtwUEVUM1ZKemE3TVdzLVg5TjNFY1ZKTDFLc1RtWTA2Znd4dURDd3Y3aXIwcXBqN0xpUU5BUFBsUnRKd2dkajNMNDBzWXhHSU16Nkd3Mk9uN0pXMXFlRWQ2cmlMY3MxLUhBNW4zeU14?oc=5) · KBRX.com
- 2015-07-10 [Citizens Tri-County bank to buy McMinnville bank - Chattanooga Times Free Press](https://news.google.com/rss/articles/CBMimgFBVV95cUxOVnlCTzN0S0FNN3NOd01VSmJNclpacldUUHNwZHhyRUtJc3hoXzRydE1Sc21hS2VweGQtZkJmLUdReG83OW02Ump1M0RXVVN0RmZfdkNWTTJlRU80ajlSZ0F3NjlfVkJSTUdaak5TSEtNdjBpRHpmZ1pEemhUeVF6SEl3MXhOZDI2dmlkdFF2eGtSY1hxSHcyNTNR?oc=5) · Chattanooga Times Free Press
- 2026-09-02 [Tri-County Bancorp Completes Merger With Mayville Financial - tuscolatoday.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPZGg0S3Y1czBVbVUzX1o1RUNlU3RMT0JzOHlqRHhjQS00VURzc0VnNDI2aS16T2ZIeXJKRmhNeXowLXl3bElLUjRZcERSXzJndUJDaXpwUlNUa0g3YUhiVFBpTGZYTGF6TmhGTkpQNEluVkVXakNqbWoxX0RxRWpJbDZ6ZHVwMVRYSUNGVWdxYTlvVEgwY3FTcWNSdV9ZUGVBaXVQbnZPU3ZOTGN2X25TVlROb3RGZTBVOVl3Q205OVh2STMtRmk3cXVzaU4ycF9hY3FLYy1pNUlyZVU?oc=5) · tuscolatoday.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16339 (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/19.json (key "16339", 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