The Tri-County Bank: how it compares with its peers
Against 59 NE banks with half to twice its assets, The Tri-County Bank's strongest measure in Q2 2026 is net interest margin (4.25% vs. a 3.95% peer median). Its weakest relative measure is efficiency ratio (69.93% vs. 57.64%).
| Measure | The Tri-County Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.01% | 1.42% | Bottom third Ahead of 19% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.25% | 3.95% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 69.93% | 57.64% | Bottom third Ahead of 7% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $8.2M | Bottom third Ahead of 19% of peers |
| Loans to deposits Net loans and leases over total deposits. | 64.59% | 85.04% | Context |
What it means for lending operations
Its efficiency ratio of 69.93% is above the 57.64% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Security Bank Laurel, NE · $310M
- Nebraska State Bank and Trust Company Broken Bow, NE · $286M
- City Bank & Trust Co. Lincoln, NE · $323M
- Columbus Bank and Trust Company Columbus, NE · $275M
- Commercial State Bank Wausa, NE · $264M
- Pathway Bank Cairo, NE · $338M
Questions about The Tri-County Bank
How big is The Tri-County Bank?
The Tri-County Bank, established in 1945, is headquartered in Stuart, NE. It reported $299M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is The Tri-County Bank's return on assets?
1.01% annualized in Q2 2026, against a 1.42% median for 59 NE banks with half to twice its assets, ahead of 19% of them.
What is The Tri-County Bank's efficiency ratio?
69.93% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 57.64%, and lower is better.
Is The Tri-County Bank growing its loans?
Net loans grew 23.0% over the year to Q2 2026, while deposits grew 40.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NE banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Nebraska bank ranked.