BlastPoint's Banking Scorecard

Tri-County Bank & Trust Company

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

Roachdale, IN

5 branches across IN

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 60 in IN.
Deposits +5.2% year over year ($259.4M on the books).
Delinquency rate 3.50%.
Return on assets 0.36%.
Efficiency ratio 83.45% vs a 64.48% peer average.
Loan-to-deposit ratio 78.55% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 60 in IN

View $100M-$1B leaderboard (IN) →

Tri-County Bank & Trust Company faces 6 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 28.9% in tier
- Return on Assets 0.96% below tier average
- Net Interest Margin 1.28% below tier average
- Delinquency Rate 2.58% above tier average
- Nonperforming Asset Ratio 1.60% above tier average
- Efficiency Ratio 18.97% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$313.9M +4.8% YoY +3.5% QoQ	-$72.7M	$386.6M +1.2% YoY	$2.5B +3.7% YoY	$6.3B +7.7% YoY	48%
Total Loans ?	$203.8M -0.6% YoY -0.3% QoQ	-$54.6M	$258.3M +1.7% YoY	$1.8B +5.7% YoY	$3.2B +9.4% YoY	49%
Total Deposits ?	$259.4M +5.2% YoY +4.3% QoQ	-$67.3M	$326.7M +0.7% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	46%
Return on Assets ?	0.36% +345.3% YoY +3.5% QoQ	-0.96%	1.32% +10.8% YoY	1.07% +3.3% YoY	1.30% +12.1% YoY	Bottom 8.9% in tier
Net Interest Margin ?	2.70% +2.9% YoY +3.2% QoQ	-1.28%	3.99% +5.0% YoY	3.70% +8.1% YoY	3.95% +4.9% YoY	Bottom 4.8% in tier
Efficiency Ratio ?	83.45% -2.6% YoY +0.1% QoQ	+18.97%	64.48% -3.2% YoY	77.20% +13.2% YoY	70.05% +2.5% YoY	Bottom 10.4% in tier
Delinquency Rate ?	3.50% +723.8% YoY +270.7% QoQ	+2.58%	0.92% +15.7% YoY	0.91% +27.8% YoY	0.98% +16.3% YoY	Bottom 4.7% in tier
Loan-to-Deposit Ratio ?	78.55% -5.5% YoY -4.5% QoQ	+0.59%	77.95% +1.0% YoY	81.91% +1.2% YoY	79.03% +2.3% YoY	52%
Non-Interest-Bearing Deposit Share ?	15.68% -9.0% YoY -7.7% QoQ	-6.35%	22.03% -0.6% YoY	16.57% -2.9% YoY	21.98% -0.6% YoY	27%
Nonperforming Asset Ratio ?	2.27% +681.2% YoY +257.1% QoQ	+1.60%	0.67% +16.4% YoY	0.69% +42.1% YoY	0.69% +15.8% YoY	Bottom 5.6% in tier
Tier 1 Capital Ratio ?	9.09% -4.6% YoY -4.3% QoQ	-6.82%	15.91% +1.4% YoY	16.20% +1.2% YoY	17.09% +0.8% YoY	Bottom 1.5% in tier
Non-Interest Income / Assets ?	0.14% -8.7% YoY +90.3% QoQ	-0.42%	0.57% +7.6% YoY	1.78% -1.3% YoY	0.66% +5.2% YoY	32%

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 (IN)	National Avg	Tier Percentile
Noninterest-Bearing	15.7% -1.5pp YoY -1.3pp QoQ	-6.5pp	22.1%	16.8%	22.2%	26%
Brokered Deposits	1.0% -1.1pp YoY 0.0pp QoQ	-6.9pp	7.9%	7.2%	8.5%	18%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
C&I	2.6% +0.2pp YoY +0.3pp QoQ	-9.0pp	11.6%	11.1%	12.5%	8%
CRE	56.8% -1.8pp YoY -3.3pp QoQ	+17.3pp	39.5%	36.2%	41.4%	81%
1-4 Family	22.4% -0.2pp YoY +0.2pp QoQ	-10.3pp	32.6%	40.0%	31.3%	35%
Consumer	0.6% -0.1pp YoY 0.0pp QoQ	-3.5pp	4.1%	3.2%	5.0%	19%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	17.5%	19.7%	n/a
Leverage Ratio	9.1% -0.4pp YoY -0.4pp QoQ	-3.1pp	12.2%	13.0%	12.6%	13%
Total Capital Ratio	n/a	n/a	19.9%	18.7%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Full-Time Employees	45 +6 (+15.4%) YoY +4 (+9.8%) QoQ	-14	58	237	482	47%
Assets per Employee ($)	$7.0M -9.2% YoY -5.7% QoQ	-$542K	$7.5M	$7.5M	$8.8M	52%
Branch Count	5 0 YoY 0 QoQ	0	4	17	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Past Due 90+ Days	2.3% +2.2pp YoY	+1.9pp	0.3%	0.2%	0.4%	98%
Nonaccrual	1.2% +0.9pp YoY +0.3pp QoQ	+0.3pp	0.9%	0.8%	1.0%	76%
Allowance Coverage	0.41x -87.6% YoY -72.1% QoQ	-23.75x	24.15x	6.71x	20.23x	6%
Net Charge-off Rate (YTD)	-0.1% 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	4%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
ROE	4.7% +3.5pp YoY +0.2pp QoQ	-7.5pp	12.2%	11.2%	11.6%	12%
Cost of Funds (YTD)	2.2% 0.0pp YoY 0.0pp QoQ	+0.5pp	1.7%	1.8%	1.7%	82%
Net Income ($, YTD)	$553,000 +360.8% YoY — QoQ	-$2.0M	$2.6M	$16.3M	$40.4M	12%

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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 (1)

Capital Thin

risk

#192 of 661 • Bottom 28.9% 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: 9.09%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2604

Tier 1 Capital Ratio

capital

Value: 9.09%

Peer Median: 15.91%

#2604 of 2643 Bottom 1.5% in $100M-$1B

2509

Delinquency Rate

credit_quality

Value: 3.50%

Peer Median: 0.92%

#2509 of 2633 Bottom 4.7% in $100M-$1B

2517

Net Interest Margin

profitability

Value: 2.70%

Peer Median: 3.99%

#2517 of 2643 Bottom 4.8% in $100M-$1B

2497

Nonperforming Asset Ratio

credit_quality

Value: 2.27%

Peer Median: 0.67%

#2497 of 2643 Bottom 5.6% in $100M-$1B

2410

Return on Assets

profitability

Value: 0.36%

Peer Median: 1.32%

#2410 of 2643 Bottom 8.9% in $100M-$1B

2368

Efficiency Ratio

profitability

Value: 83.45%

Peer Median: 64.48%

#2368 of 2643 Bottom 10.4% in $100M-$1B