BlastPoint's Banking Scorecard
Tri-County Bank
Brown City, MI
12 branches across MI
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 47 in MI.
- Deposits +6.3% year over year ($545.6M on the books).
- Delinquency rate 1.31%.
- Return on assets 2.31%.
- Efficiency ratio 39.52% vs a 64.48% peer average.
- Loan-to-deposit ratio 93.32% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Tri-County Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 26.5% in tier
- + Net Interest Margin 1.09% above tier average
- + Efficiency Ratio 24.96% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.40% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$638.6M
+7.5% YoY
-0.0% QoQ
|
+$252.0M |
$386.6M
+1.2% YoY
|
$1.0B
+6.5% YoY
|
$6.3B
+7.7% YoY
|
83% |
| Total Loans ? |
$509.1M
+14.3% YoY
+3.8% QoQ
|
+$250.8M |
$258.3M
+1.7% YoY
|
$767.2M
+9.2% YoY
|
$3.2B
+9.4% YoY
|
Top 10.7% in tier |
| Total Deposits ? |
$545.6M
+6.3% YoY
-0.6% QoQ
|
+$218.8M |
$326.7M
+0.7% YoY
|
$806.0M
+5.9% YoY
|
$4.9B
+7.3% YoY
|
84% |
| Return on Assets ? |
2.31%
+13.7% YoY
+1.8% QoQ
|
+0.99% |
1.32%
+10.8% YoY
|
1.18%
+20.1% YoY
|
1.30%
+12.1% YoY
|
Top 7.0% in tier |
| Net Interest Margin ? |
5.08%
+13.1% YoY
+0.0% QoQ
|
+1.09% |
3.99%
+5.0% YoY
|
4.06%
+4.7% YoY
|
3.95%
+4.9% YoY
|
Top 7.2% in tier |
| Efficiency Ratio ? |
39.52%
-10.0% YoY
+1.9% QoQ
|
-24.96% |
64.48%
-3.2% YoY
|
65.90%
-5.4% YoY
|
70.05%
+2.5% YoY
|
Top 3.6% in tier |
| Delinquency Rate ? |
1.31%
+137.6% YoY
-7.0% QoQ
|
+0.40% |
0.92%
+15.7% YoY
|
0.85%
+32.2% YoY
|
0.98%
+16.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
93.32%
+7.5% YoY
+4.4% QoQ
|
+15.37% |
77.95%
+1.0% YoY
|
80.02%
+3.0% YoY
|
79.03%
+2.3% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
21.76%
-5.3% YoY
-65.4% QoQ
|
-0.27% |
22.03%
-0.6% YoY
|
25.55%
-0.4% YoY
|
21.98%
-0.6% YoY
|
53% |
| Nonperforming Asset Ratio ? |
1.05%
+152.6% YoY
-3.4% QoQ
|
+0.38% |
0.67%
+16.4% YoY
|
0.65%
+27.6% YoY
|
0.69%
+15.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
13.56%
+6.1% YoY
+0.8% QoQ
|
-2.35% |
15.91%
+1.4% YoY
|
20.80%
-0.9% YoY
|
17.09%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.17%
-3.0% YoY
+104.0% QoQ
|
-0.40% |
0.57%
+7.6% YoY
|
0.38%
+3.3% YoY
|
0.66%
+5.2% YoY
|
41% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.8%
-1.2pp YoY -41.1pp QoQ |
-0.4pp | 22.1% | 25.9% | 22.2% | 53% |
| Brokered Deposits | n/a | n/a | 7.9% | 12.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.8%
-6.1pp YoY -1.5pp QoQ |
-2.8pp | 11.6% | 12.8% | 12.5% | 45% |
| CRE |
68.6%
+11.4pp YoY +2.8pp QoQ |
+29.0pp | 39.5% | 45.9% | 41.4% | 92% |
| 1-4 Family |
5.9%
-0.3pp YoY 0.0pp QoQ |
-26.7pp | 32.6% | 33.6% | 31.3% | 6% |
| Consumer |
0.7%
-0.2pp YoY 0.0pp QoQ |
-3.4pp | 4.1% | 4.6% | 5.0% | 20% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 26.9% | 19.7% | n/a |
| Leverage Ratio |
13.6%
+0.8pp YoY +0.1pp QoQ |
+1.4pp | 12.2% | 12.3% | 12.6% | 79% |
| Total Capital Ratio | n/a | n/a | 19.9% | 27.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
85
+2 (+2.4%) YoY +2 (+2.4%) QoQ |
+26 | 58 | 134 | 482 | 80% |
| Assets per Employee ($) |
$7.5M
+5.0% YoY -2.4% QoQ |
-$5K | $7.5M | $6.8M | $8.8M | 61% |
| Branch Count |
12
0 YoY 0 QoQ |
+7 | 4 | 9 | 18 | 95% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
1.3%
+0.8pp YoY -0.1pp QoQ |
+0.4pp | 0.9% | 0.8% | 1.0% | 78% |
| Allowance Coverage |
0.83x
-56.1% YoY +8.3% QoQ |
-23.32x | 24.15x | 6.79x | 20.23x | 22% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY |
-0.2pp | 0.1% | 0.1% | 0.2% | 9% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.3%
+0.2pp YoY +0.2pp QoQ |
+6.1pp | 12.2% | 11.7% | 11.6% | 83% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.5% | 1.7% | 40% |
| Net Income ($, YTD) |
$7.2M
+21.2% YoY — QoQ |
+$4.7M | $2.6M | $7.3M | $40.4M | 96% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.