Tri-County Bank: how it compares with its peers
Against 34 MI banks with half to twice its assets, Tri-County Bank's strongest measure in Q2 2026 is return on assets (2.31% vs. a 1.28% peer median). Its weakest relative measure is assets per employee ($7.5M vs. $6.0M).
| Measure | Tri-County Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.31% | 1.28% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.08% | 4.07% | Top third Ahead of 94% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 39.52% | 63.80% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.5M | $6.0M | Top third Ahead of 85% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.32% | 76.66% | Context |
What it means for lending operations
Its efficiency ratio of 39.52% is better than the 63.80% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Bank, Upper Michigan Gladstone, MI · $629M
- Range Bank Marquette, MI · $604M
- Thumb Bank and Trust Pigeon, MI · $673M
- Highpoint Community Bank Hastings, MI · $592M
- Citizens State Bank Royal Oak, MI · $581M
- Eastern Michigan Bank Croswell, MI · $554M
Questions about Tri-County Bank
How big is Tri-County Bank?
Tri-County Bank, established in 1889, is headquartered in Brown City, MI. It reported $639M in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is Tri-County Bank's return on assets?
2.31% annualized in Q2 2026, against a 1.28% median for 34 MI banks with half to twice its assets, ahead of 100% of them.
What is Tri-County Bank's efficiency ratio?
39.52% in Q2 2026: it spent about 40 cents in noninterest expense for each dollar of revenue. The peer median is 63.80%, and lower is better.
Is Tri-County Bank growing its loans?
Net loans grew 14.3% over the year to Q2 2026, while deposits grew 6.3%.
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 MI 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 Michigan bank ranked.