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Tri-County Bank & Trust Company
Roachdale, IN · FDIC Certificate #210 · Chartered 10/0
Total assets
$313.91M
Total deposits
$259.41M
Total equity
$23.62M
Net loans
$203.75M
Branches (offices)
5
Net income (YTD)
$553.00K
Rank: #2,401 of 4,213 U.S. banks by assets · #60 of 87 in Indiana. Assets changed 4.8% and deposits 5.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.36% |
| Return on equity | 4.65% |
| Net interest margin (YTD) | 2.70% |
| Equity to assets | 7.52% |
| Tier 1 leverage ratio | 9.09% |
| Uninsured deposits (share of deposits) | 36.7% |
| Noncurrent loans (share of loans) | 3.45% |
| Net charge-offs (share of loans) | -0.06% |
| Loans to deposits | 78.5% |
| Real estate loans (share of loans) | 89.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $182.19M | 89.4% | |
| Commercial & industrial | $5.23M | 2.6% | |
| Consumer / individual | $1.27M | 0.6% | |
| Construction & development | $2.08M | 1.0% | |
| Agricultural | $13.57M | 6.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $242.00M | $214.12M | $383.00K | $20.07M |
| Jun 2023 | $277.91M | $231.30M | $704.00K | $19.75M |
| Jun 2024 | $303.61M | $240.79M | $357.00K | $20.68M |
| Jun 2025 | $299.52M | $246.60M | $120.00K | $22.07M |
| Jun 2026 | $313.91M | $259.41M | $553.00K | $23.62M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $259.40M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $259.40M.
Similar-sized banks
Citizens Independent Bank ($314.21M) · Peoples Bank ($313.76M)
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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