Side-by-side · Q2 2026 data
Tri-County Bank vs First National Bank of Michigan
Metric by metric
| Measure | Tri-County Bank | First National Bank of Michigan |
|---|---|---|
| TellerScore | 78 (stronger) | 60 |
| Capital cushion | 86 (stronger) | 45 |
| Loan quality | 57 | 73 (stronger) |
| Earnings | 100 (stronger) | 59 |
| Funding & liquidity | 63 (stronger) | 50 |
| Problem-loan coverage | 85 | 87 (stronger) |
| Peer percentile | 72nd | 19th |
| Total assets | $638.6M | $988.9M |
| Deposits / shares | $545.6M | $807.2M |
| Capital ratio | 13.56% (stronger) | 9.54% |
| Problem loans | 1.30% | 0.80% (stronger) |
| Net charge-offs | -0.02% (stronger) | -0.00% |
| Return on assets | 2.31% (stronger) | 0.98% |
| Loans ÷ deposits | 93.3% (stronger) | 100.9% |
| Uninsured deposits | 18.7% (stronger) | 23.2% |
| Offices | 10 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.9% | — |
Tri-County Bank has the higher TellerScore (78 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Tri-County Bank leads on 6 and First National Bank of Michigan on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.