TellerScore

Tri-County Bank (FDIC certificate #977) is based in Brown City, Michigan. Its Q2 2026 call report shows $638.6M in total assets and $545.6M in deposits and 12 offices.

Tri-County Bank has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 72 banks headquartered in Michigan, it ranks 13th. Earnings contributes the most (100/100, 2.31%); loan quality contributes the least (57/100, 1.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion86/100
Tier 1 leverage ratio: 13.56%
Loan quality57/100
Noncurrent loans ÷ total loans: 1.30%
Earnings100/100
Return on assets (annualized): 2.31%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 93.3% · 18.7% uninsured
Problem-loan coverage85/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.65%

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 fell 6 points (84 → 78), mostly because the loan quality component weakened by 25 points.

TellerScore
778388Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202484
Q4 202481
Q1 202584
Q2 202584
Q3 202584
Q4 202588
Q1 202677
Q2 202678
Tier 1 leverage ratio
5.00%9.28%13.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.93%
Q3 202412.05%
Q4 202412.40%
Q1 202512.67%
Q2 202512.78%
Q3 202513.05%
Q4 202513.27%
Q1 202613.45%
Q2 202613.56%
Noncurrent loans
0.02%0.71%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.04%
Q4 20240.53%
Q1 20250.57%
Q2 20250.55%
Q3 20250.55%
Q4 20250.26%
Q1 20261.40%
Q2 20261.30%
Return on assets
1.68%2.00%2.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.68%
Q3 20241.69%
Q4 20241.70%
Q1 20251.94%
Q2 20252.03%
Q3 20252.11%
Q4 20252.08%
Q1 20262.27%
Q2 20262.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$638.6M13.56%1.30%2.31%93.3%
Q1 202677$638.7M13.45%1.40%2.27%89.4%
Q4 202588$604.5M13.27%0.26%2.08%90.5%
Q3 202584$603.3M13.05%0.55%2.11%88.2%
Q2 202584$594.2M12.78%0.55%2.03%86.8%
Q1 202584$593.0M12.67%0.57%1.94%83.6%
Q4 202481$577.7M12.40%0.53%1.70%85.7%
Q3 202484$583.2M12.05%0.04%1.69%85.2%
Q2 202484$576.6M11.93%0.02%1.68%85.3%

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).

Capital ratio13.56%
79th
Total risk-based capital0.00%
24th
Problem loans1.30%
21st
Net charge-offs-0.02%
93rd
Return on assets2.31%
93rd
Net interest margin5.08%
93rd
Efficiency ratio39.5%
96th
Loans to deposits93.3%
20th
Uninsured deposits18.7%
69th
Loan-loss reserves1.08%
37th
Texas ratio7.6%
24th

Similar-size banks in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank, Upper MichiganBank Gladstone, MI81 out of 100, Strong$629.5M12.7%0.63%vs
Range BankBank Marquette, MI80 out of 100, Strong$604.1M10.8%0.03%vs
Thumb Bank and TrustBank Pigeon, MI77 out of 100, Strong$673.3M9.4%0.03%vs
Highpoint Community BankBank Hastings, MI66 out of 100, Moderate$592.4M8.5%0.04%vs
Citizens State BankBank Royal Oak, MI70 out of 100, Strong$581.0M8.6%0.18%vs
Eastern Michigan BankBank Croswell, MI79 out of 100, Strong$553.6M12.0%0.63%vs

Deposit insurance

Is my money safe at Tri-County Bank?

Yes. Tri-County Bank is an FDIC-insured institution (FDIC certificate #977). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.7% of deposits ($101.9M) 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 13.56%, 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%).

Check how much of your own balance is covered

12 locations

Branches

Tri-County Bank lists 10 offices in 10 cities. Most locations:

  • Almont, MI (1)
  • Brown City, MI (1)
  • Cass City, MI (1)
  • Imlay City, MI (1)
  • Kingston, MI (1)
  • Marlette, MI (1)
  • North Branch, MI (1)
  • Peck, MI (1)
  • Romeo, MI (1)
  • Yale, MI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Tri-County Bank reported 78 home-loan applications under HMDA (LEI 549300KNV94E4Y2HSK54): 63 originated ($14,325,000 total), 14 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.9%, 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-County Bank
Former names
Brown City Savings Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
977
RSSD ID
695349
Primary regulator
FED
Holding company
Tri-County Bcorp Inc
Established
May 29, 1889
Headquarters
4190 Main St, Brown City, MI 48416
Employees
85

Quick answers

Tri-County Bank: common questions

Is Tri-County Bank FDIC insured?

Yes. Tri-County Bank is an FDIC-insured institution (FDIC certificate #977). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Tri-County Bank's TellerScore?

78 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-County Bank ever failed?

There is no failure record for FDIC certificate #977 in the FDIC failed bank list.

How many branches does Tri-County Bank have?

12 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Brown City

InstitutionScoreAssetsCapitalProblem loansCompare
Sovita Credit UnionCredit union Flint, MI90 out of 100, Very strong$592.0M16.1%0.31%vs
Eastern Michigan BankBank Croswell, MI79 out of 100, Strong$553.6M12.0%0.63%vs
Thumb Bank and TrustBank Pigeon, MI77 out of 100, Strong$673.3M9.4%0.03%vs
Elga Credit UnionCredit union Grand Blanc, MI75 out of 100, Strong$2.5B17.8%1.38%vs
Team One Credit UnionCredit union Saginaw, MI66 out of 100, Moderate$765.9M9.9%0.64%vs
Frankenmuth Credit UnionCredit union Frankenmuth, MI64 out of 100, Moderate$1.6B10.3%1.19%vs