BlastPoint's Banking Scorecard

Tri-County Bank

$100M-$1B Specialty: Commercial MI FDIC cert 977

Brown City, MI

12 branches across MI

2664 banks in the $100M-$1B peer group nationally 46 in MI

Tri-County Bank has 3 strengths but faces 1 concern

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

+ Deposit Franchise: Top 12.5% in tier
+ Profitability Leader: Top 27.6% in tier
+ Efficiency Ratio 26.50% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.53% above tier average

Get updates when Tri-County Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$638.7M +7.7% YoY +5.7% QoQ	+$252.6M	$386.1M +0.5% YoY	$993.6M +8.4% YoY	$6.2B +9.1% YoY	83%
Total Loans ?	$490.3M +13.8% YoY +4.7% QoQ	+$234.6M	$255.7M +1.1% YoY	$752.3M +12.4% YoY	$3.2B +10.8% YoY	Top 12.0% in tier
Total Deposits ?	$548.7M +6.4% YoY +6.1% QoQ	+$220.7M	$328.0M +0.1% YoY	$797.0M +7.4% YoY	$4.8B +8.2% YoY	84%
Return on Assets ?	2.27% +16.9% YoY +9.0% QoQ	+1.00%	1.27% +12.9% YoY	1.15% +25.2% YoY	1.23% +13.4% YoY	Top 7.7% in tier
Net Interest Margin ?	5.07% +15.7% YoY +7.9% QoQ	+1.14%	3.93% +6.0% YoY	3.99% +5.8% YoY	3.89% +5.7% YoY	Top 6.1% in tier
Efficiency Ratio ?	38.79% -13.4% YoY -8.6% QoQ	-26.50%	65.29% -4.5% YoY	66.95% -6.2% YoY	66.95% -4.1% YoY	Top 3.0% in tier
Delinquency Rate ?	1.41% +144.7% YoY +440.0% QoQ	+0.53%	0.89% +18.8% YoY	0.77% +21.7% YoY	0.95% +18.8% YoY	20%
Loan-to-Deposit Ratio ?	89.36% +6.9% YoY -1.3% QoQ	+12.73%	76.64% +0.8% YoY	78.66% +4.9% YoY	76.70% +0.9% YoY	26%
Non-Interest-Bearing Deposit Share ?	62.89% +177.3% YoY +171.5% QoQ	+40.87%	22.02% -1.0% YoY	24.69% -2.1% YoY	22.01% -1.2% YoY	Top 0.4% in tier
Nonperforming Asset Ratio ?	1.08% +158.6% YoY +435.3% QoQ	+0.45%	0.64% +19.7% YoY	0.58% +27.6% YoY	0.67% +19.3% YoY	18%
Tier 1 Capital Ratio ?	13.45% +6.2% YoY +1.4% QoQ	-2.38%	15.83% +1.5% YoY	20.91% +0.5% YoY	17.06% +0.8% YoY	52%
Non-Interest Income / Assets ?	0.08% +1.7% YoY -76.4% QoQ	-0.20%	0.28% +9.3% YoY	0.19% +5.8% YoY	0.32% +4.1% YoY	41%

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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 (2)

Deposit Franchise

growth

#35 of 272 • Top 12.5% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 62.89%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.07%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ

Profitability Leader

growth

#185 of 666 • Top 27.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.27%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 (7 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 62.89%

Peer Median: 22.02%

#12 of 2664 Top 0.4% in $100M-$1B

Efficiency Ratio

profitability

Value: 38.79%

Peer Median: 65.29%

#80 of 2664 Top 3.0% in $100M-$1B

164

Net Interest Margin

profitability

Value: 5.07%

Peer Median: 3.93%

#164 of 2664 Top 6.1% in $100M-$1B

205

Return on Assets

profitability

Value: 2.27%

Peer Median: 1.27%

#205 of 2664 Top 7.7% in $100M-$1B

321

Total Loans

size

Value: $490.34M

Peer Median: $255.72M

#321 of 2664 Top 12.0% in $100M-$1B

436

Total Deposits

size

Value: $548.70M

Peer Median: $327.97M

#436 of 2664 Top 16.3% in $100M-$1B

442

Total Assets

size

Value: $638.71M

Peer Median: $386.08M

#442 of 2664 Top 16.6% in $100M-$1B

Top Weaknesses (2 metrics)

2187

Nonperforming Asset Ratio

credit_quality

Value: 1.08%

Peer Median: 0.64%

#2187 of 2664 Bottom 17.9% in $100M-$1B

2126

Delinquency Rate

credit_quality

Value: 1.41%

Peer Median: 0.89%

#2126 of 2654 Bottom 19.9% in $100M-$1B