BlastPoint's Banking Scorecard

Tri-County Bank & Trust Company

$100M-$1B Specialty: Commercial IN FDIC cert 210

Roachdale, IN

5 branches across IN

2664 banks in the $100M-$1B peer group nationally 60 in IN

Tri-County Bank & Trust Company faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 27.0% in tier
- Efficiency Drag: Bottom 30.9% in tier
- Return on Assets 0.92% below tier average
- Net Interest Margin 1.31% below tier average
- Delinquency Rate 0.06% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$303.4M +4.3% YoY +2.6% QoQ	-$82.7M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	47%
Total Loans ?	$204.4M -3.3% YoY +1.4% QoQ	-$51.3M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	50%
Total Deposits ?	$248.6M +4.4% YoY +3.0% QoQ	-$79.4M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	44%
Return on Assets ?	0.35% +15.8% YoY +18.4% QoQ	-0.92%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	Bottom 9.3% in tier
Net Interest Margin ?	2.62% +0.1% YoY -2.9% QoQ	-1.31%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	Bottom 4.4% in tier
Efficiency Ratio ?	83.37% -1.9% YoY +0.1% QoQ	+18.09%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	Bottom 11.7% in tier
Delinquency Rate ?	0.94% +190.1% YoY +25.4% QoQ	+0.06%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	29%
Loan-to-Deposit Ratio ?	82.22% -7.4% YoY -1.6% QoQ	+5.58%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	41%
Non-Interest-Bearing Deposit Share ?	16.99% -9.2% YoY -9.0% QoQ	-5.03%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	32%
Nonperforming Asset Ratio ?	0.64% +169.0% YoY +23.9% QoQ	+0.00%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	32%
Tier 1 Capital Ratio ?	9.50% -0.3% YoY -1.0% QoQ	-6.33%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	Bottom 4.4% in tier
Non-Interest Income / Assets ?	0.08% -4.5% YoY -76.5% QoQ	-0.20%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	35%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (2)

Capital Thin

risk

#181 of 666 • Bottom 27.0% 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: 9.50%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Efficiency Drag

risk

#129 of 414 • Bottom 30.9% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 83.37%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank declining

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

2549

Tier 1 Capital Ratio

capital

Value: 9.50%

Peer Median: 15.83%

#2549 of 2664 Bottom 4.4% in $100M-$1B

2547

Net Interest Margin

profitability

Value: 2.62%

Peer Median: 3.93%

#2547 of 2664 Bottom 4.4% in $100M-$1B

2417

Return on Assets

profitability

Value: 0.35%

Peer Median: 1.27%

#2417 of 2664 Bottom 9.3% in $100M-$1B

2353

Efficiency Ratio

profitability

Value: 83.37%

Peer Median: 65.29%

#2353 of 2664 Bottom 11.7% in $100M-$1B