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Tri City National Bank

$1B-$10B Specialty: Commercial WI FDIC cert 18922

Designations: ✓ Community bank

Oak Creek, WI

26 branches across WI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
  • Deposits +4.8% year over year ($1.7B on the books).
  • Delinquency rate 0.52%.
  • Return on assets 0.83%.
  • Efficiency ratio 72.86% vs a 59.73% peer average.
  • Loan-to-deposit ratio 65.86% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 30 in WI
View $1B-$10B leaderboard (WI) →

Tri City National Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.35% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 42.8% in tier
  • - ROA 0.56% below tier average
  • - Net Interest Margin 0.24% below tier average
  • - Efficiency Ratio 13.13% above tier average
Get updates when Tri City National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $2.0B
+5.3% YoY -0.9% QoQ
-$840.9M $2.8B
-0.6% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
49%
Total Loans ? $1.2B
+0.6% YoY -0.9% QoQ
-$811.8M $2.0B
-0.3% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
41%
Total Deposits ? $1.7B
+4.8% YoY -1.1% QoQ
-$570.6M $2.3B
-0.5% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
52%
Return on Assets ? 0.83%
+18.3% YoY +6.3% QoQ
-0.56% 1.39%
+17.0% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
20%
Net Interest Margin ? 3.63%
+9.7% YoY +2.2% QoQ
-0.24% 3.87%
+6.2% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
45%
Efficiency Ratio ? 72.86%
-4.1% YoY -1.4% QoQ
+13.13% 59.73%
-12.6% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
16%
Delinquency Rate ? 0.52%
-28.6% YoY +73.1% QoQ
-0.35% 0.87%
+11.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
50%
Loan-to-Deposit Ratio ? 65.86%
-4.0% YoY +0.2% QoQ
-19.17% 85.04%
-0.1% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
Top 11.4% in tier
Non-Interest-Bearing Deposit Share ? 24.32%
+0.4% YoY +2.3% QoQ
+3.05% 21.27%
-1.5% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
69%
Nonperforming Asset Ratio ? 0.40%
-9.7% YoY +62.8% QoQ
-0.27% 0.67%
+11.7% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
51%
Tier 1 Capital Ratio ? 11.10%
-1.3% YoY +1.4% QoQ
-3.75% 14.84%
-0.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
20%
Non-Interest Income / Assets ? 0.37%
-4.5% YoY +105.5% QoQ
-0.16% 0.53%
+2.5% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
66%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Noninterest-Bearing 24.3%
+0.1pp YoY
+0.5pp QoQ
 +3.0pp 21.4% 18.9% 22.2% 69%
Brokered Deposits n/a n/a 9.5% 9.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 1.4%
-0.2pp YoY
+0.1pp QoQ
 -12.6pp 14.0% 10.5% 12.5% 3%
CRE 80.8%
0.0pp YoY
-0.5pp QoQ
 +30.7pp 50.0% 46.4% 41.4% 96%
1-4 Family 17.9%
-0.3pp YoY
+0.2pp QoQ
 -8.5pp 26.4% 32.3% 31.3% 38%
Consumer 1.0%
+0.4pp YoY
+0.2pp QoQ
 -3.7pp 4.7% 2.6% 5.0% 47%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 15.5% 19.7% n/a
Leverage Ratio 11.1%
-0.1pp YoY
+0.1pp QoQ
 -0.2pp 11.3% 12.6% 12.6% 62%
Total Capital Ratio n/a n/a 16.7% 16.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 350
-1 (-0.3%) YoY
+2 (+0.6%) QoQ
 +36 313 134 482 73%
Assets per Employee ($) $5.6M
+5.6% YoY
-1.4% QoQ
 -$4.9M $10.5M $8.2M $8.8M 8%
Branch Count 26
-2 (-7.1%) YoY
0 QoQ
 +6 20 9 18 77%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.2% 0.4% 0.4% 8%
Nonaccrual 0.5%
-0.2pp YoY
+0.2pp QoQ
 -0.3pp 0.8% 0.9% 1.0% 50%
Allowance Coverage 2.37x
+36.1% YoY
-42.7% QoQ
 -16.34x 18.71x 56.89x 20.23x 56%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.0% 0.2% 49%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 8.8%
+0.7pp YoY
+0.4pp QoQ
 -3.8pp 12.6% 11.8% 11.6% 24%
Cost of Funds (YTD) 1.0%
-0.1pp YoY
0.0pp QoQ
 -1.0pp 1.9% 1.8% 1.7% 5%
Net Income ($, YTD) $8.2M
+25.0% YoY
— QoQ
 -$11.0M $19.2M $7.9M $40.4M 31%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#96 of 222 • Bottom 42.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.10%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

102
Loan-to-Deposit Ratio
liquidity
Value: 65.86%
Peer Median: 85.04%
#102 of 885 Top 11.4% in $1B-$10B

Top Weaknesses (3 metrics)

741
Efficiency Ratio
profitability
Value: 72.86%
Peer Median: 59.73%
#741 of 885 Bottom 16.4% in $1B-$10B
712
Return on Assets
profitability
Value: 0.83%
Peer Median: 1.39%
#712 of 885 Bottom 19.7% in $1B-$10B
711
Tier 1 Capital Ratio
capital
Value: 11.10%
Peer Median: 14.84%
#711 of 885 Bottom 19.8% in $1B-$10B
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