# TRI CITY NATIONAL BANK
OAK CREEK, WI · FDIC certificate 18922 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $1.95B | |
| Deposits | $1.75B | |
| Loans and leases | $1.17B | |
| Total equity | $189.0M | |
| Loans / deposits | 65.86% (p12 of band) | 87.10% |
| Liquid assets / assets | 35.29% (p84 of band) | |
| Uninsured deposits / deposits | 26.69% (p36 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.04% (p15 of band) | |
| FHLB advances / assets | 0.04% | |
| Tier 1 leverage | 11.10% (p62 of band) | 10.50% |
| Unrealized securities loss / equity | -27.12% (p11 of band) | -7.75% |
| AOCI / equity | -0.57% (p32 of band) | |
| ROA (annualized) | 0.83% (p21 of band) | 1.26% |
| Net interest margin | 3.63% (p45 of band) | 3.70% |
| Efficiency ratio | 72.86% (p84 of band) | |
| Noncurrent loans | 0.51% (p50 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p49 of band) | |
| Reserve coverage of noncurrent | 237.09% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 27.61% (p27 of band) | |
| Auto loans | $10.4M (0.89% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 4.8% | |
| Employees | 350 | |

## 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 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 2 | charge-offs p90 | capital falling |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | deposits shrinking |  |
| 2014-03 | 1 |  | charge-offs p90, deposits shrinking |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | noncurrent p90 |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | capital falling |  |
| 2015-06 | 2 |  | capital falling |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 | capital falling, charge-offs p90 | reserve under noncurrent, noncurrent p90 |
| 2016-03 | 1 |  | charge-offs p90 |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | uninsured deposits leaving |  |
| 2019-03 | 0 |  | uninsured deposits leaving |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 2 | capital falling, expense ratio p90 |  |
| 2020-12 | 1 |  | expense ratio p90 |
| 2021-03 | 2 | expense ratio p90 |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | expense ratio p90 |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 3 | uninsured deposits leaving |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | uninsured deposits leaving |
| 2024-03 | 1 |  | deposits shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | assets shrinking |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | assets shrinking |
| 2025-12 | 1 | capital falling | securities losses >30% of equity |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

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

- 2026-09-02 [Tri City National Bank Launches Alkami's Digital Sales & Service Platform to Extend Hometown Banking in the Digital Channel - PR Newswire](https://news.google.com/rss/articles/CBMiiAJBVV95cUxNNk5DUG40ejlvU3NReHNibjQ1RGpoc3ZjcGRPMGdWVThvLTlvSU1fV3ZKMDdKbDhDaEE1c2o5X21ad3I3UzZidzFyeXd0NGRUZzh1N1ZlTHJaaGtkTUw4SGloVnBOTzBxQUc0Rm12MnBubC1XUl9oVkhESVF0OGJMY3ZFOHotdE9oaHlLZWtWMDN1MGozRGotN1Z1Znd4VWUxZmFqWnM0TzNHbW4yM1ZDQ29UellqSVMwb2NEQXV0ZmxtRzNhS2R2QkVCWWhuMENYYW1DODQyTTh3bjIyclNNeVNJMnJmOC1zOU5EOXJJS0xwMGpSUDVZME4tZWlfMGl5Z1hFeEwyV3Q?oc=5) · PR Newswire
- 2026-09-04 [Tri City National Bank Goes Live with Alkami Digital Sales & Service Platform - FF News](https://news.google.com/rss/articles/CBMipwFBVV95cUxNcThGMEhNZzlvSnhROUo2UnMxZzNXVWlYRHRRa2k5M0RpZVZOOG1ydk91b29WNy1FQXcwRUQweUdvYWhCbEd2dlFMU01wcWtWdVVacHlNX0ROeEZKNF9VdThsUW1JN1Z6ck9PZnhoc2Fjb2N1SFl2Rm9aaV96VndLbXByRl9JVlRIQkxZVGFoU0hjS0Y4NWcySGNfWElJbFVxdHZQMTIzdw?oc=5) · FF News
- 2026-09-02 [A Wisconsin bank with 60 years of hometown service goes digital with Alkami - stocktitan.net](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQNG94eVVfa2NxamNzNmlodmplRzdHaDhMS09XODhqdGN6Y1UzRmVSd0Q3RXBfVTI1c2RpVFJsVnFFVHJBSWNRVDVhdFJTWkV5X0dwdVIzWVlYMzU1Tnh5RzYwYVJBdkY3UnpWcUs2T3VEWFNtVEw3TjA4TzUxOGVVM2pwb3puYzQwbnQycW54QVlmdlBMVXdNSjdjR0hKZlJ3eml1Q1B1bDJyTTRUR3FvRWpXdXRwcHlI?oc=5) · stocktitan.net
- 2026-07-21 [Tri City National Bank – Face of Hometown Lending - Milwaukee Magazine](https://news.google.com/rss/articles/CBMigwFBVV95cUxNYVhVN1B5THpyeWJDN0t3UkhJb2gzb2FuTlRFdXdiRmI4X3RVUXJKRGp6M3J6NmRtRERhWldnOWg4UW8zVEJQVVJiaGM5WUNqdFBOaThhYm9pRVVYYjk1SHJoVnQ1ZFhVUllfczk2QmR2TC0wbDF5Y1YtQVI0UzlqU0JYcw?oc=5) · Milwaukee Magazine
- 2026-03-13 [40 Under 40: Bryan Johnsen of Tri City National Bank - The Business Journals](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNRXJLTFdmNTZacENDUHNKUC05QWJwa0xuUHdWVGRSaGFiMkxWdDBsWnFHa1AwdW9iaW11c0dVbEQ0eUVoNm54N1R0NmJHeHpHZmlnMWlzY2gwWkZfZkxRcXdkcksySWk2QW1PUFRtd3Nvclo2VF9fMVNoNnRmQkZiRGlqMUpaX2YxOXBibExQNWpxeWJvZ291OGxzYWZQTEt5Rk5XMk83WVJpZl94OEVMQXhyS3VvTUtzbjVfTU1RTGxRN2xJZ0hGRQ?oc=5) · The Business Journals
- 2025-12-08 [Penelope "Penny" M. D'Acquisto Obituary & Funeral | Racine, WI - Maresh-Meredith & Acklam Funeral Home](https://news.google.com/rss/articles/CBMigwFBVV95cUxObXlBMVM4aFM4dWxyTndtUUdHblJiNGRtTWdPMjRzQVd1Z2RsX1VBR1FMMnVDTUdHV2MyZmthSzVlQUYxRjJBUFpPeVJ2S2g5WUFZOGdGZjZURzRSeEJlYW9oTldhMGFtWW1nQVh2V0tORFNTWWt4MS1meDBUS0pmMkpBVQ?oc=5) · Maresh-Meredith & Acklam Funeral Home
- 2025-12-30 [These Wisconsin banks are set to grow with acquisitions in 2026 - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxOU2hlU19JMzdxQmQtRnk3aW1RQ3M0YVA1Ykh5clV5Z3F0SUJQUHhrX29ERng4eE9mNVYydERuaWFRd3F5YUd3TkF3dEVYaDluZU1vOGN6amxfbVVvWVNZRkRKb0pNdXJzZFdzenNaendMbEFDV1FmOW5SSmFhdkp6TFAwX20tUnZGWFBpRjItT3ZoU0c4MFUzOU1XRzUwYmxSd2Iw?oc=5) · The Business Journals
- 2023-12-05 [Northcott Neighborhood House and Tri City National Bank hold coat drive - TMJ4 News](https://news.google.com/rss/articles/CBMirAFBVV95cUxPYkhmaU0zVkNMS1ZpbWhMeEVqNXczOVRqcXd3Mnd2U0s5bzdNQVFMYTRSMW9VMDRSRlk3bHpONVZleE1EME9ITW1US1dQSDZqTTRPc1ZXSkNIaGpxWnhkel8wR2xFVGFKQmRfX2VtU3BXcTVyRTdJaTBITWpFQ25Ic2pmWDduWDV3TlEzdUE2elUyYmJqOG5rZFlMNHVKU01tdGI2TjdZZkMtWmxk?oc=5) · TMJ4 News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18922 (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/42.json (key "18922", 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