Headquartered in Oak Creek, Wisconsin, Tri City National Bank is a national bank with $2.0B in total assets and $1.7B in deposits as of Q2 2026. It operates 26 offices. Its charter dates back to 1963.
Based on its Q2 2026 filing, Tri City National Bank scores 71/100, which we describe as strong. That is higher than 63% of 897 banks with $1 billion – $10 billion. Among 154 banks headquartered in Wisconsin, it ranks 84th. Its strongest component is problem-loan coverage (92/100; 3.9%), and its lowest is earnings (53/100; 0.83%).
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 3 points (68 → 71), mostly because the loan quality component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 67 |
| Q4 2024 | 66 |
| Q1 2025 | 69 |
| Q2 2025 | 68 |
| Q3 2025 | 73 |
| Q4 2025 | 71 |
| Q1 2026 | 72 |
| Q2 2026 | 71 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.12% |
| Q3 2024 | 10.28% |
| Q4 2024 | 10.56% |
| Q1 2025 | 11.08% |
| Q2 2025 | 11.24% |
| Q3 2025 | 11.11% |
| Q4 2025 | 10.89% |
| Q1 2026 | 10.95% |
| Q2 2026 | 11.10% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.52% |
| Q3 2024 | 0.49% |
| Q4 2024 | 0.63% |
| Q1 2025 | 0.63% |
| Q2 2025 | 0.72% |
| Q3 2025 | 0.29% |
| Q4 2025 | 0.46% |
| Q1 2026 | 0.29% |
| Q2 2026 | 0.51% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.60% |
| Q3 2024 | 0.61% |
| Q4 2024 | 0.59% |
| Q1 2025 | 0.71% |
| Q2 2025 | 0.70% |
| Q3 2025 | 0.76% |
| Q4 2025 | 0.78% |
| Q1 2026 | 0.78% |
| Q2 2026 | 0.83% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $2.0B | 11.10% | 0.51% | 0.83% | 65.9% |
| Q1 2026 | 72 | $2.0B | 10.95% | 0.29% | 0.78% | 65.7% |
| Q4 2025 | 71 | $2.0B | 10.89% | 0.46% | 0.78% | 63.8% |
| Q3 2025 | 73 | $1.9B | 11.11% | 0.29% | 0.76% | 65.5% |
| Q2 2025 | 68 | $1.9B | 11.24% | 0.72% | 0.70% | 68.6% |
| Q1 2025 | 69 | $1.8B | 11.08% | 0.63% | 0.71% | 69.3% |
| Q4 2024 | 66 | $1.9B | 10.56% | 0.63% | 0.59% | 66.9% |
| Q3 2024 | 67 | $2.0B | 10.28% | 0.49% | 0.61% | 70.7% |
| Q2 2024 | 66 | $2.0B | 10.12% | 0.52% | 0.60% | 69.8% |
897 peers · $1 billion – $10 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 Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| CCFBank National AssociationBank Altoona, WI | 50 out of 100, Below average | $1.8B | 11.2% | 2.28% | vs |
| IncredibleBankBank Wausau, WI | 57 out of 100, Moderate | $2.1B | 8.3% | 0.89% | vs |
| National Bank of CommerceBank Superior, WI | 70 out of 100, Strong | $2.2B | 9.3% | 0.64% | vs |
| Horicon BankBank Horicon, WI | 63 out of 100, Moderate | $1.7B | 9.7% | 0.93% | vs |
| WaterStone Bank, SSBBank Wauwatosa, WI | 81 out of 100, Strong | $2.3B | 15.4% | 0.36% | vs |
| Waukesha State BankBank Waukesha, WI | 80 out of 100, Strong | $1.6B | 11.5% | 0.25% | vs |
Deposit insurance
Is my money safe at Tri City National Bank?
Yes. Tri City National Bank is an FDIC-insured institution (FDIC certificate #18922). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.7% of deposits ($466.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.10%, well 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%).
26 locations
Branches
Tri City National Bank lists 24 offices in 17 cities. Most locations:
- Milwaukee, WI (3)
- Oak Creek, WI (3)
- Brookfield, WI (2)
- Racine, WI (2)
- West Allis, WI (2)
- Brown Deer, WI (1)
- Franklin, WI (1)
- Greenfield, WI (1)
- Hales Corners, WI (1)
- Kenosha, WI (1)
- Menomonee Falls, WI (1)
- Saint Francis, WI (1)
HMDA 2025
Mortgage lending
In 2025, Tri City National Bank reported 737 home-loan applications under HMDA (LEI 549300OCKUW7YV0YNV03): 513 originated ($102,505,000 total), 123 denied, and 60 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Tri City National Bank
- Former names
- Tri City National Bank of Oak Creek; Tri City State Bank
- Type
- National bank
- FDIC certificate #
- 18922
- RSSD ID
- 242444
- Primary regulator
- OCC
- Holding company
- Tri City Bankshares Corp
- Established
- October 28, 1963
- Headquarters
- 6400 S 27th St, Oak Creek, WI 53154
- Website
- www.tcnb.com
- Employees
- 350
Quick answers
Tri City National Bank: common questions
Is Tri City National Bank FDIC insured?
Yes. Tri City National Bank is an FDIC-insured institution (FDIC certificate #18922). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Tri City National Bank's TellerScore?
71 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 Tri City National Bank ever failed?
There is no failure record for FDIC certificate #18922 in the FDIC failed bank list.
How many branches does Tri City National Bank have?
26 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Oak Creek
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Raleigh Co. Educators Federal Credit UnionCredit union Beckley, WV | 97 out of 100, Very strong | $21.3M | 26.3% | 0.04% | vs |
| Ferko Md Federal Credit UnionCredit union Frederick, MD | 94 out of 100, Very strong | $30.1M | 19.4% | 0.58% | vs |
| Northwestern Mutual Wealth ManagementBank Milwaukee, WI | 93 out of 100, Very strong | $557.7M | 55.0% | 0.00% | vs |
| Umatilla County Federal Credit UnionCredit union Pendleton, OR | 92 out of 100, Very strong | $47.7M | 19.0% | 0.06% | vs |
| Kbr Heritage Federal Credit UnionCredit union Houston, TX | 90 out of 100, Very strong | $76.4M | 22.6% | 0.39% | vs |
| Rome Kraft Employees Credit UnionCredit union Coosa, GA | 89 out of 100, Very strong | $23.0M | 24.7% | 0.49% | vs |