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Tri-County Bank
Brown City, MI · FDIC Certificate #977 · Chartered 05/2
Total assets
$638.62M
Total deposits
$545.57M
Total equity
$81.87M
Net loans
$509.11M
Branches (offices)
12
Net income (YTD)
$7.24M
Rank: #1,483 of 4,213 U.S. banks by assets · #24 of 72 in Michigan. Assets changed 7.5% and deposits 6.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.31% |
| Return on equity | 18.34% |
| Net interest margin (YTD) | 5.08% |
| Equity to assets | 12.82% |
| Tier 1 leverage ratio | 13.56% |
| Uninsured deposits (share of deposits) | 18.7% |
| Noncurrent loans (share of loans) | 1.30% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 93.3% |
| Real estate loans (share of loans) | 87.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $444.25M | 87.3% | |
| Commercial & industrial | $44.61M | 8.8% | |
| Consumer / individual | $3.39M | 0.7% | |
| Construction & development | $31.97M | 6.3% | |
| Agricultural | $23.03M | 4.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $489.68M | $434.57M | $3.67M | $44.59M |
| Jun 2023 | $541.27M | $445.49M | $4.17M | $48.58M |
| Jun 2024 | $576.60M | $483.86M | $4.75M | $57.17M |
| Jun 2025 | $594.16M | $513.33M | $5.97M | $69.17M |
| Jun 2026 | $638.62M | $545.57M | $7.24M | $81.87M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $545.57M | 12 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $545.57M.
Similar-sized banks
Verimore Bank ($639.09M) · Oneunited Bank ($637.94M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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