Total Assets
$244M
Total balance-sheet footings
FDIC Cert #16339 · Stuart, Nebraska · Est. 1945
The Tri-County Bank - FDIC Bank Health Profile
A community-scale look at The Tri-County Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $244M
- Total assets
- C
- Health grade · Fair
- 0.75%
- Return on assets
- 9.6%
- Tier 1 capital
Data updated July 2026
The verdict
The Tri-County Bank earns a PlainBankData health grade of C (56/100), with 9.63% Tier 1 capital, 0.75% ROA, 76% efficiency ratio.
- #2,768
- largest of 4,313 FDIC banks by assets
- 36th
- percentile by asset size, nationally
- 9.63%
- Tier 1 ratio - below the 10% well-capitalized line
- 27th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Tri-County Bank's 56/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Tri-County Bank's composite health score
Tier 1 Capital Ratio (9.63%) 18/40
Return on Assets (ROA) (0.75%) 14/25
Texas Ratio (1.19%) 20/20
Efficiency Ratio (76.07%) 4/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$222M
Customer-funded liabilities
Net Loans
$151M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Tri-County Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Tri-County Bank's score of 56/100 falls in the highlighted band.
The Tri-County Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Tri-County Bank's $244M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.63% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.63%
Texas Ratio
1.19%
Equity Capital
$17M
Profitability metrics
Return on Assets (ROA)
27th percentile nationally
0.75%
Return on Equity (ROE)
11.42%
Efficiency Ratio
76.07%
What the numbers say about The Tri-County Bank
The Tri-County Bank is an FDIC-insured institution (Certificate #16339) headquartered in Stuart, Nebraska, established in 1945. It holds $244M in total assets - 2,768th of 4,313 FDIC-insured banks, $222M in customer deposits, and $151M in net loans. Capital-wise, the Tier 1 ratio sits at 9.63%, falling short of the federal 10% well-capitalized bar; the Texas Ratio reads 1.19%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (56 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Tri-County Bank sits 71st of 142 banks headquartered in Nebraska by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$12M
Interest Income
$935K
Non-Interest Income
$7M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Tri-County Bank reports a Texas Ratio of 1.19% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.19% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Nebraska by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Tri-County Bank (FDIC Cert #16339) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Nebraska
All Nebraska banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of OmahaOmaha | $34.6B | A | 1.51% |
| Union Bank and Trust CompanyLincoln | $9.1B | A | 1.60% |
| Pinnacle BankLincoln | $8.9B | A | 1.26% |
| American National BankOmaha | $5.2B | A | 1.32% |
| Cornerstone BankYork | $2.8B | B | 1.11% |
| Security First BankLincoln | $2.2B | B | 0.90% |
| Five Points BankGrand Island | $2.1B | A | 1.47% |
| Security National Bank of OmahaOmaha | $1.7B | A | 1.28% |
Frequently asked questions
What is The Tri-County Bank's health grade?▼
The Tri-County Bank receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is The Tri-County Bank?▼
The Tri-County Bank holds $244M in total assets and $222M in deposits, ranking 2,768th of 4,313 FDIC-insured banks by asset size. It is headquartered in Stuart, Nebraska.
Is my money safe at The Tri-County Bank?▼
Yes, deposits at The Tri-County Bank (Certificate #16339) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Tri-County Bank's Tier 1 Capital Ratio?▼
The Tri-County Bank has a Tier 1 Capital Ratio of 9.63%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for The Tri-County Bank?▼
The Tri-County Bank has a Texas Ratio of 1.19%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Tri-County Bank?▼
The Tri-County Bank has an Efficiency Ratio of 76.07%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Tri-County Bank's profile as a depositor or analyst.
- The Tri-County Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Tri-County Bank against other Nebraska banks before moving funds. Nebraska banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.