Tri-County Bank (FDIC #977): Bank Stress & Real-Estate Credit Exposure
Tri-County Bank (FDIC Cert #977): bank stress 34/100, contained, STABLE over 7 days; parent TRI-COUNTY BCORP INC.
Tri-County Bank (#977) lends in 5 counties across 1 state; Tri-County Bank (#977) reaches 113 ZIP codes: Michigan 5 counties, 113 ZIPs.
Tri-County Bank (#977) largest markets: Macomb County, MI (39 branches, 39 ZIPs) (#977), St. Clair County, MI (46 branches, 23 ZIPs) (#977), Sanilac County, MI (92 branches, 23 ZIPs) (#977), Lapeer County, MI (66 branches, 22 ZIPs) (#977), Tuscola County, MI (42 branches, 21 ZIPs) (#977).
Tri-County Bank (#977) reports $638.6 million in total assets; Tri-County Bank (#977) equity $81.9 million (12.8% of Tri-County Bank (#977) assets); Tri-County Bank (#977) domestic deposits $545.6 million; Tri-County Bank (#977) net income $7.2 million; Tri-County Bank (#977) return on assets 2.31%; Tri-County Bank (#977) return on equity 18.34%; Tri-County Bank (#977) net interest income $15.1 million; Tri-County Bank (#977) call report June 30, 2026.
Tri-County Bank (#977) noncurrent real-estate loans: none reported; Tri-County Bank (#977) net charge-offs on real estate 1.48%; Tri-County Bank (#977) residential charge-offs 2.05%.
Tri-County Bank (#977) net interest margin 5.08% against an eight-quarter Tri-County Bank (#977) average of 4.56% (Tri-County Bank (#977) compression -0.52 points); Tri-County Bank (#977) non-residential real estate 205.5% of equity; Tri-County Bank (#977) rate-exposure score 40/100, Tri-County Bank (#977) fixed-rate trap 40/100; Tri-County Bank (#977) risk type rate trapped; Tri-County Bank (#977) rate regime rates elevated, Tri-County Bank (#977) snapshot October 19, 2026.
Tri-County Bank (#977) stress score moved from 35.8 on June 22, 2026 to 34.5 on October 20, 2026; Tri-County Bank (#977) ranged 34.5 to 35.8 over 117 snapshots.
Tri-County Bank (#977) alerts: 5 counties; top Tri-County Bank (#977) alert scores: Kingston County, MI 17 (low); North Branch County, MI 17 (low); Peck County, MI 17 (low); Romeo County, MI 17 (low); Yale County, MI 17 (low).