Headquartered in Stuart, Nebraska, The Tri-County Bank is a state-chartered bank with $299.3M in total assets and $272.8M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1945.
Based on its Q2 2026 filing, The Tri-County Bank scores 72/100, which we describe as strong. That is higher than 50% of 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 84th. Its strongest component is loan quality (100/100; 0.01%), and its lowest is capital cushion (34/100; 8.45%).
TellerScore · Q2 2026
Scorecard
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 4 points (68 → 72), mostly because the earnings component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 66 |
| Q4 2024 | 67 |
| Q1 2025 | 67 |
| Q2 2025 | 68 |
| Q3 2025 | 71 |
| Q4 2025 | 71 |
| Q1 2026 | 74 |
| Q2 2026 | 72 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.71% |
| Q3 2024 | 8.75% |
| Q4 2024 | 8.77% |
| Q1 2025 | 9.24% |
| Q2 2025 | 9.33% |
| Q3 2025 | 9.87% |
| Q4 2025 | 9.63% |
| Q1 2026 | 9.87% |
| Q2 2026 | 8.45% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.06% |
| Q3 2024 | 0.02% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.22% |
| Q2 2025 | 0.19% |
| Q3 2025 | 0.18% |
| Q4 2025 | 0.15% |
| Q1 2026 | 0.02% |
| Q2 2026 | 0.01% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.31% |
| Q3 2024 | 0.35% |
| Q4 2024 | 0.46% |
| Q1 2025 | 0.58% |
| Q2 2025 | 0.61% |
| Q3 2025 | 0.66% |
| Q4 2025 | 0.75% |
| Q1 2026 | 0.88% |
| Q2 2026 | 1.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 72 | $299.3M | 8.45% | 0.01% | 1.01% | 64.6% |
| Q1 2026 | 74 | $233.5M | 9.87% | 0.02% | 0.88% | 68.3% |
| Q4 2025 | 71 | $243.6M | 9.63% | 0.15% | 0.75% | 68.0% |
| Q3 2025 | 71 | $228.7M | 9.87% | 0.18% | 0.66% | 70.1% |
| Q2 2025 | 68 | $222.6M | 9.33% | 0.19% | 0.61% | 73.8% |
| Q1 2025 | 67 | $216.8M | 9.24% | 0.22% | 0.58% | 73.1% |
| Q4 2024 | 67 | $224.7M | 8.77% | 0.02% | 0.46% | 72.0% |
| Q3 2024 | 66 | $226.6M | 8.75% | 0.02% | 0.35% | 74.4% |
| Q2 2024 | 65 | $223.8M | 8.71% | 0.06% | 0.31% | 74.1% |
2,650 peers · $100 million – $1 billion
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).
Similar-size banks in Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Security BankBank Laurel, NE | 78 out of 100, Strong | $309.9M | 13.3% | 0.63% | vs |
| Nebraska State Bank and Trust CompanyBank Broken Bow, NE | 88 out of 100, Very strong | $285.8M | 13.0% | 0.00% | vs |
| City Bank & Trust Co.Bank Lincoln, NE | 58 out of 100, Moderate | $323.2M | 10.0% | 0.96% | vs |
| Columbus Bank and Trust CompanyBank Columbus, NE | 72 out of 100, Strong | $274.6M | 9.5% | 0.07% | vs |
| Commercial State BankBank Wausa, NE | 76 out of 100, Strong | $264.4M | 9.6% | 0.12% | vs |
| Pathway BankBank Cairo, NE | 54 out of 100, Below average | $338.1M | 12.4% | 3.85% | vs |
Deposit insurance
Is my money safe at The Tri-County Bank?
Yes. The Tri-County Bank is an FDIC-insured institution (FDIC certificate #16339). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 4.0% of deposits ($10.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.45%, 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%).
6 locations
Branches
The Tri-County Bank lists 6 offices in 6 cities. Most locations:
- Atkinson, NE (1)
- Bassett, NE (1)
- Butte, NE (1)
- Oneill, NE (1)
- Spencer, NE (1)
- Stuart, NE (1)
Identity & history
Profile
- Legal name
- The Tri-County Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16339
- RSSD ID
- 657954
- Primary regulator
- FDIC
- Holding company
- Tri-County Co
- Established
- November 17, 1945
- Headquarters
- 106 N Main St, Stuart, NE 68780
- Website
- www.tricountybank.com
- Employees
- 46
Quick answers
The Tri-County Bank: common questions
Is The Tri-County Bank FDIC insured?
Yes. The Tri-County Bank is an FDIC-insured institution (FDIC certificate #16339). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The 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 The Tri-County Bank ever failed?
There is no failure record for FDIC certificate #16339 in the FDIC failed bank list.
How many branches does The Tri-County Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Stuart
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Nebraska BankBank Dodge, NE | 73 out of 100, Strong | $551.6M | 11.4% | 0.43% | vs |
| Sandhills State BankBank North Platte, NE | 69 out of 100, Moderate | $382.8M | 8.4% | 0.16% | vs |
| Security First BankBank Lincoln, NE | 65 out of 100, Moderate | $2.3B | 8.3% | 0.17% | vs |