TellerScore

First Tri County Bank (FDIC certificate #8333) is based in Swanton, Nebraska. Its Q2 2026 call report shows $78.5M in total assets and $70.7M in deposits and 2 offices.

First Tri County Bank has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than only 45% of its 546 banks with under $100 million in assets. Among 139 banks headquartered in Nebraska, it ranks 87th. Problem-loan coverage contributes the most (100/100, 0.2%); capital cushion contributes the least (41/100, 9.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.07%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.04%
Earnings56/100
Return on assets (annualized): 0.89%
Funding & liquidity91/100
Loans ÷ deposits and uninsured-deposit share: 65.1% · 18.8% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.21%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (70 → 72), mostly because the earnings component improved by 11 points.

TellerScore
636872Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202464
Q3 202464
Q4 202463
Q1 202568
Q2 202570
Q3 202570
Q4 202569
Q1 202672
Q2 202672
Tier 1 leverage ratio
5.00%7.37%9.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20248.95%
Q3 20248.94%
Q4 20248.77%
Q1 20259.37%
Q2 20259.58%
Q3 20259.73%
Q4 20259.55%
Q1 20269.04%
Q2 20269.07%
Noncurrent loans
0.00%0.02%0.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.03%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.04%
Return on assets
0.10%0.50%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.16%
Q3 20240.24%
Q4 20240.10%
Q1 20250.43%
Q2 20250.62%
Q3 20250.65%
Q4 20250.46%
Q1 20260.90%
Q2 20260.89%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$78.5M9.07%0.04%0.89%65.1%
Q1 202672$75.9M9.04%0.00%0.90%67.6%
Q4 202569$74.1M9.55%0.00%0.46%75.1%
Q3 202570$72.0M9.73%0.00%0.65%79.4%
Q2 202570$72.2M9.58%0.00%0.62%78.7%
Q1 202568$71.2M9.37%0.03%0.43%75.6%
Q4 202463$75.1M8.77%0.00%0.10%81.2%
Q3 202464$76.5M8.94%0.00%0.24%85.4%
Q2 202464$74.7M8.95%0.00%0.16%81.7%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.07%
10th
Total risk-based capital0.00%
27th
Problem loans0.04%
67th
Net charge-offs-0.06%
93rd
Return on assets0.89%
45th
Net interest margin3.59%
34th
Efficiency ratio71.3%
49th
Loans to deposits65.1%
51st
Uninsured deposits18.8%
38th
Loan-loss reserves1.13%
43rd
Texas ratio0.2%
67th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank of UticaBank Utica, NE76 out of 100, Strong$77.4M14.3%0.63%vs
CerescoBankBank Ceresco, NE92 out of 100, Very strong$81.3M13.9%0.06%vs
Clarkson BankBank Clarkson, NE82 out of 100, Strong$81.4M11.0%0.19%vs
Commercial State BankBank Republican City, NE97 out of 100, Very strong$75.5M28.6%0.00%vs
Nebraska State BankBank Oshkosh, NE79 out of 100, Strong$74.1M18.1%1.40%vs
Battle Creek State BankBank Battle Creek, NE81 out of 100, Strong$71.0M14.4%0.00%vs

Deposit insurance

Is my money safe at First Tri County Bank?

Yes. First Tri County Bank is an FDIC-insured institution (FDIC certificate #8333). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.8% of deposits ($13.3M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.07%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

First Tri County Bank lists 2 offices in 2 cities. Most locations:

  • Plymouth, NE (1)
  • Swanton, NE (1)

All branch addresses and map

Identity & history

Profile

Legal name
First Tri County Bank
Former names
Bank of Swanton
Type
State-chartered bank
FDIC certificate #
8333
RSSD ID
570651
Primary regulator
FDIC
Holding company
Swanton Agency Inc
Established
April 1, 1894
Headquarters
105 Main St, Swanton, NE 68445
Employees
8

Quick answers

First Tri County Bank: common questions

Is First Tri County Bank FDIC insured?

Yes. First Tri County Bank is an FDIC-insured institution (FDIC certificate #8333). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Tri County Bank's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Tri County Bank ever failed?

There is no failure record for FDIC certificate #8333 in the FDIC failed bank list.

How many branches does First Tri County Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Swanton

InstitutionScoreAssetsCapitalProblem loansCompare
Heartland BankBank Geneva, NE80 out of 100, Strong$911.1M10.3%0.13%vs
Membersown Credit UnionCredit union Lincoln, NE80 out of 100, Strong$109.3M14.1%0.91%vs
Farmers and Merchants BankBank Milford, NE78 out of 100, Strong$1.1B10.6%0.00%vs
Farmers and Merchants BankBank Milligan, NE78 out of 100, Strong$215.4M11.1%0.19%vs
Union Bank and Trust CompanyBank Lincoln, NE76 out of 100, Strong$9.2B10.6%0.32%vs
First Bank of UticaBank Utica, NE76 out of 100, Strong$77.4M14.3%0.63%vs