Regulatory profile
Brown City, MI · FDIC certificate #977
TRI-COUNTY BANK is an FDIC-insured institution based in Brown City, MI (FDIC certificate #977). In its Q3 2026 Call Report it reported total assets of $642M, total deposits of $556M and net loans of $525M. Its primary federal regulator is FED.
Reported facts
TRI-COUNTY BANK (FDIC certificate #977) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $642M |
|---|---|
| Total deposits | $556M |
| Net loans and leases | $525M |
| Return on assets | 2.36% |
| Return on equity | 19.51% |
| Net interest margin | 5.15% |
| Quarterly asset change | 0.47% |
| Quarterly deposit change | 1.94% |
Plain-language readout
TRI-COUNTY BANK in Brown City, MI reported total assets of $642M, total deposits of $556M and net loans of $525M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 2.36%, a return on equity of 19.51%, a net interest margin of 5.15%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $642M | $556M | $525M | 2.36% | 19.51% | 5.15% |
| Q2 2026 | $639M | $546M | $509M | 2.31% | 18.34% | 5.08% |
| Q1 2026 | $639M | $549M | $490M | 2.27% | 18.18% | 5.07% |
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