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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Roachdale, IN · FDIC certificate #210
TRI-COUNTY BANK&TRUST CO is an FDIC-insured institution based in Roachdale, IN (FDIC certificate #210). In its Q3 2026 Call Report it reported total assets of $302M, total deposits of $261M and net loans of $202M. Its primary federal regulator is FDIC.
Plain-language readout
TRI-COUNTY BANK&TRUST CO has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $314M in Q2 2026 and were lowest at $302M in Q3 2026.
Total deposits were highest at $261M in Q3 2026 and lowest at $249M in Q1 2026.
Over the whole period total assets fell 0.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $302M | $261M | $202M | 0.16% | 2.06% | 2.74% |
| Q2 2026 | $314M | $259M | $204M | 0.36% | 4.65% | 2.70% |
| Q1 2026 | $303M | $249M | $204M | 0.35% | 4.41% | 2.62% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $6.1M | $6.6M | -$526K | -8.0% |
| Federal funds sold | $34.3M | $26.9M | +$7.4M | +27.5% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $56.0M | $51.8M | +$4.2M | +8.2% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $203.8M | $204.4M | -$653K | -0.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $1.8M | $1.8M | +$13K | +0.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $12.0M | $12.0M | +$61K | +0.5% |
| Total assets | $313.9M | $303.4M | +$10.5M | +3.5% |
| Liabilities | ||||
| Total deposits | $259.4M | $248.6M | +$10.8M | +4.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $30.0M | $30.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $889K | $747K | +$142K | +19.0% |
| Total liabilities | $290.3M | $279.4M | +$10.9M | +3.9% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $700K | $700K | $0K | 0.0% |
| Surplus | $2.3M | $2.3M | $0K | 0.0% |
| Retained earnings | $25.2M | $25.5M | -$304K | -1.2% |
| Accumulated other comprehensive income | -$4.6M | -$4.4M | -$133K | -3.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $23.6M | $24.1M | -$437K | -1.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $7.1M | $1.9M | +$5.2M | +269.5% |
| Adjusted nonperforming assets | $7.1M | $1.9M | +$5.2M | +269.5% |
| Tangible equity plus allowance | $26.5M | $26.9M | -$351K | -1.3% |
| Texas ratio (gross) | 26.88% | 7.18% | +19.70 pts | See points |
| Texas ratio (adjusted) | 26.88% | 7.18% | +19.70 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 27.01% | 7.34% | +19.67 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.09% | 9.50% | -0.41 pts | See points |
| Construction and land loans to total capital | 6.67% | 5.61% | +1.07 pts | See points |
| Commercial real estate to total capital | 134.38% | 154.76% | -20.38 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -21.56% | -20.72% | -0.85 pts | See points |
| Liquidity | ||||
| Core deposits | $241.7M | $231.3M | +$10.4M | +4.5% |
| Non-core funding | $47.7M | $47.4M | +$349K | +0.7% |
| Loans to core deposits | 85.50% | 89.61% | -4.11 pts | See points |
| Loans to deposits | 79.67% | 83.35% | -3.69 pts | See points |
| Brokered deposits share of deposits | 0.96% | 1.01% | -0.04 pts | See points |
| Pledged securities share of securities | 15.99% | 17.93% | -1.94 pts | See points |
| Loans pledged, share of loans | 38.32% | 28.15% | +10.17 pts | See points |
| Volatile liabilities | $47.7M | $47.4M | +$349K | +0.7% |
| Earnings | ||||
| Earnings before provision, year to date | $718K | $346K | +$372K | +107.5% |
| Earnings before provision, single quarter | $372K | $346K | +$26K | +7.5% |
| Provision for credit losses, year to date | $82K | $45K | +$37K | +82.2% |
| Yield and cost | ||||
| Yield on loans and leases | 5.67% | 5.44% | +0.24 pts | See points |
| Yield on interest-bearing balances due from banks | 2.79% | 2.53% | +0.26 pts | See points |
| Total interest income to average assets | 4.73% | 4.57% | +0.16 pts | See points |
| Cost of interest-bearing transaction accounts | 0.20% | 0.21% | -0.02 pts | See points |
| Cost of savings and money market deposits | 2.51% | 2.48% | +0.03 pts | See points |
| Cost of time deposits | 3.06% | 3.12% | -0.06 pts | See points |
| Total interest expense to average assets | 2.10% | 2.10% | +0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $302M | $261M | $202M | 0.16% | 2.06% | 2.74% |
| 2026-06-30 | $314M | $259M | $204M | 0.36% | 4.65% | 2.70% |
| 2026-03-31 | $303M | $249M | $204M | 0.35% | 4.41% | 2.62% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IN | $246.6M | 0.12% | 81 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.