# TRI-COUNTY BANK
BROWN CITY, MI · FDIC certificate 977 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $638.6M | |
| Deposits | $545.6M | |
| Loans and leases | $514.7M | |
| Total equity | $81.9M | |
| Loans / deposits | 93.32% (p78 of band) | 82.04% |
| Liquid assets / assets | 15.77% (p18 of band) | |
| Uninsured deposits / deposits | 18.68% (p24 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.57% (p38 of band) | |
| FHLB advances / assets | 1.57% | |
| Tier 1 leverage | 13.56% (p83 of band) | 10.81% |
| Unrealized securities loss / equity | -8.46% (p49 of band) | -8.10% |
| AOCI / equity | -0.24% (p56 of band) | |
| ROA (annualized) | 2.31% (p92 of band) | 1.28% |
| Net interest margin | 5.08% (p94 of band) | 3.91% |
| Efficiency ratio | 39.52% (p5 of band) | |
| Noncurrent loans | 1.30% (p80 of band) | 0.43% |
| Net charge-offs (annualized) | -0.02% (p5 of band) | |
| Reserve coverage of noncurrent | 83.33% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 39.05% (p46 of band) | |
| Auto loans | $2.0M (0.39% of loans; DQ 0.74%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 85 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

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

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

- 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
- 2026-08-31 [Tri-County Bancorp Completes Mayville Financial Merger, Creating $734 Million-Asset Michigan Community Bank - Pulse 2.0](https://news.google.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?oc=5) · Pulse 2.0
- 2026-09-02 [Tri-County Bancorp Completes Merger With Mayville Financial - tuscolatoday.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxPZGg0S3Y1czBVbVUzX1o1RUNlU3RMT0JzOHlqRHhjQS00VURzc0VnNDI2aS16T2ZIeXJKRmhNeXowLXl3bElLUjRZcERSXzJndUJDaXpwUlNUa0g3YUhiVFBpTGZYTGF6TmhGTkpQNEluVkVXakNqbWoxX0RxRWpJbDZ6ZHVwMVRYSUNGVWdxYTlvVEgwY3FTcWNSdV9ZUGVBaXVQbnZPU3ZOTGN2X25TVlROb3RGZTBVOVl3Q205OVh2STMtRmk3cXVzaU4ycF9hY3FLYy1pNUlyZVU?oc=5) · tuscolatoday.com
- 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
- 2026-09-01 [Tri-County Bancorp Completes Merger with Mayville Financial Corp. - DBusiness Magazine](https://news.google.com/rss/articles/CBMipAFBVV95cUxPbm9fWmdsTzJrSjd3cERLUVN2NWNOb1daU09SQU8xVGswUnlNZWZ2cEczejI1bV9fTkg5NnprcjBOZDN2NTI3RTNUSU8xQzA3Y2VXaE9pY0dDN0IzWlNGRTFDWFJBNUxDbzNsaU9Cb29wRlVWd1l5X3l3RE40cEU1VkZleWhZR215QmdiU0VVQVgtWk9uazFYSUktRlhmR1RyajFPYg?oc=5) · DBusiness Magazine
- 2026-08-31 [Tri-County Bancorp, Inc. Completes Merger with Mayville Financial Corporation - PR Newswire](https://news.google.com/rss/articles/CBMiywFBVV95cUxNZFlobnZ5SDQ0NERna1hyZTl1dnpueDYtSXptUnJkOHZmUWQ5UnZoUjVoM1U4QkljbzBBY2xUV0Y1dWFLQUVvd0JndGstU0R6WnFHMFNuTUIzN2dtd3VvNFpiZUVsbUJ6VXc0c2tERHRzYVFWblI1bzZhNHR0c2o4cmJhMTF6bXhSVG5BZEJLN0ZGX3lKQWIxVUpocUt4anFIUlNYV29TcVZXNmVGcG1sRk80dXhQQnMzbzg2LXNJeHp0d05LaXRwMjNmcw?oc=5) · PR Newswire
- 2015-06-15 [Sanilac County Breakfast on the Farm scheduled for July 25 - Michigan State University](https://news.google.com/rss/articles/CBMikgFBVV95cUxOUzRWclVIRVF6UTY4b1dicjJXR2tUQTgtenBlMV9MNWpOMmE0SGhIbGVLN210aHpiZF9TMjdKVG1kMG13SEFiWjZjeFlBa0lYdERYMTR2d3NKRVd1MnFSNkJtSi1uY29yY1NERmh2V0hkV01xZTQ1UHhKd0VsdWdpQWJra2U0bEswM3FwSTFlRVZGdw?oc=5) · Michigan State University

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=977 (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/17.json (key "977", 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