# TRI-COUNTY BANK
CHEYENNE, WY · FDIC certificate 29608 · asset band <$300M · latest filing 2013-12 · 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 | $61.3M | |
| Deposits | $53.9M | |
| Loans and leases | $45.5M | |
| Total equity | $6.7M | |
| Loans / deposits | 82.86% (p75 of band) | 69.26% |
| Liquid assets / assets | 17.85% (p14 of band) | |
| Uninsured deposits / deposits | 5.98% (p18 of band) | 12.49% |
| Brokered deposits | 4.56% | |
| Wholesale funding | 4.56% (p65 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.56% (p55 of band) | 10.29% |
| Unrealized securities loss / equity | 0.39% (p80 of band) | -1.01% |
| AOCI / equity | -1.03% (p71 of band) | |
| ROA (annualized) | 0.80% (p53 of band) | 0.76% |
| Net interest margin | 3.89% (p65 of band) | 3.63% |
| Efficiency ratio | 69.77% (p38 of band) | |
| Noncurrent loans | 1.17% (p55 of band) | 0.94% |
| Net charge-offs (annualized) | 0.03% (p41 of band) | |
| Reserve coverage of noncurrent | 158.76% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 71.60% (p89 of band) | |
| Auto loans | $358,000 (0.79% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.0% | |
| Employees | 15 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | loans exceed deposits |  |
| 2011-09 | 0 |  | loans exceed deposits |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | reserve under noncurrent |  |
| 2013-12 | 0 |  | capital falling, reserve under noncurrent |

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

- 2026-05-16 [Tri-County Bank, Mayville State Bank to Merge - tuscolatoday.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxQamNKQ3Yxc0FISVBGWU5JbXFPcThUMkgwd2xCSkdHbEVBVzNmWm9GT01HR0VjUDIxYVg3ZVgwUk1ld01WaW1qRVJoT05YNVl6clpCeEVWWGhxYU93SWN5aTBXdlBEZTZwYndwVjByMnlJR0R4N05La1V1d3RqNzk5STUtV01DQ0wtemNRSlBIZGxuNjJyT0c3Qm5UdVpRSVloLTZVR0c4V192TmpYZlRLZW50Yjh4Um9DNEJUUHd0V3h0bERrZ0RV?oc=5) · tuscolatoday.com
- 2026-09-02 [Tri-County Bancorp Completes Merger With Mayville Financial - tuscolatoday.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPZGg0S3Y1czBVbVUzX1o1RUNlU3RMT0JzOHlqRHhjQS00VURzc0VnNDI2aS16T2ZIeXJKRmhNeXowLXl3bElLUjRZcERSXzJndUJDaXpwUlNUa0g3YUhiVFBpTGZYTGF6TmhGTkpQNEluVkVXakNqbWoxX0RxRWpJbDZ6ZHVwMVRYSUNGVWdxYTlvVEgwY3FTcWNSdV9ZUGVBaXVQbnZPU3ZOTGN2X25TVlROb3RGZTBVOVl3Q205OVh2STMtRmk3cXVzaU4ycF9hY3FLYy1pNUlyZVU?oc=5) · tuscolatoday.com
- 2023-09-27 [Wolfe to get national banking award - The Marysville Advocate](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOcHBDeTE4VlVfTERIWWpKRExNdzdISVQ1ZVBwdzVlUWtwT3pxMU5Zblh5UlZDVnU5YnRuWWhsaGMyMEd3Yk1nMnhrc1FwTUxtVmF6NHBGcll6Zi1RMklCdVJQSmg2c3UyQWI3SkkzODJ6bi10VjBpQjB3WFRWeWpHa3ZqMXhoM2hDOUJ4NTVUcUg5MDdxc1hCRXprNGFvSzZMWnRNX0x5SnNfajl0QWZPMTRyWU9DczgwUWtrNW1zc0I?oc=5) · The Marysville Advocate
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2025-08-14 [150+ Free Cash App ATMs Near Me to Avoid Fees! (No Withdrawal Limits?) - MoneyPantry.com](https://news.google.com/rss/articles/CBMiYEFVX3lxTE5pSFN6cU5DRngzM0NTTWtFM2hnNWhyS0RDME5tN2lDN3ktUGtjUnU0b0ZkWDBmZG9XNTFaVUoxcklkZXNZbXJkSDFPeC1QdzcyMlVvMmkyU3h4ajUtU3dReg?oc=5) · MoneyPantry.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29608 (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/40.json (key "29608", 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