FDIC Cert #210 · Roachdale, Indiana · Est. 1892

Tri-County Bank & Trust Company - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$296M
Total assets
D
Health grade · Weak
0.30%
Return on assets
9.6%
Tier 1 capital

Data updated July 2026

The verdict

Tri-County Bank & Trust Company earns a PlainBankData health grade of D (41/100), with 9.59% Tier 1 capital, 0.30% ROA, 83% efficiency ratio.

#2,507
largest of 4,313 FDIC banks by assets
42nd
percentile by asset size, nationally
9.59%
Tier 1 ratio - below the 10% well-capitalized line
10th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 210 · IN D · 41/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-D D (41/100)
  • BOTTOM-DECILE #4229/4307
  • PHOTO-FINISH Bison State Bank · KS
  • TIER1-ADEQ 9.6% Tier 1
  • TEXAS-CLEAN 5.7% Texas
  • ROA-THIN 0.30% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Indiana: Bison State Bank, KS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Tri-County Bank & Trust Company

Lowest and highest poles plus nearest scored peers outside Indiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bison State Bank · KS · near41/100Methuen Co-operative… · MA ·…41/100The Farmers State Bank · KS …41/100Tri-County Bank & Tr… · IN ·…41/100Whitesville State Bank · WV …41/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Tri-County Bank & Trust Company · July 2026

What Tri-County Bank & Trust Company's Call Report plate shows

Tri-County Bank & Trust Company (FDIC Cert #210) carries a PlainBankData health grade of D at 41/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,229 of 4,307. Tier 1 capital prints at 9.59%, missing the 10% well-capitalized line. The Texas Ratio is 5.74%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.30%. Balance-sheet scale is $296M, 2,507th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bison State Bank (KS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Tri-County Bank & Trust Company

3 FAILURE resolutions in Indiana since 2000 (3 since 2008)

Tri-County Bank & Trust Company's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Tri-County Bank & Trust Company remains an active FDIC-insured reporter.

  • SCB BANK SHELBYVILLE, IN 2012 → FIRST MERCHANTS BANK, NATIONAL ASSOCIATION
  • INTEGRA BANK NATIONAL ASSOCIATION EVANSVILLE, IN 2011 → OLD NATIONAL BANK
  • IRWIN UNION BANK AND TRUST COMPANY COLUMBUS, IN 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Indiana banks.

How Tri-County Bank & Trust Company's 41/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10041/100
Tri-County Bank & Trust Company's composite health score
Tier 1 Capital Ratio (9.59%) 18/40
Return on Assets (ROA) (0.30%) 7/25
Texas Ratio (5.74%) 16/20
Efficiency Ratio (83.32%) 0/15

41 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$296M

Total balance-sheet footings

Total Deposits

$241M

Customer-funded liabilities

Net Loans

$202M

Outstanding loan book

Net Income

$871K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.19% 9.59% 10.99%
Basel III capital ratios - Tri-County Bank & Trust Company

Where Tri-County Bank & Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Tri-County Bank & Trust Company's score of 41/100 falls in the highlighted band.

Tri-County Bank & Trust Company: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

41 2nd percentile higher than 2% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). This entry sits in this band. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Tri-County Bank & Trust Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Tri-County Bank & Trust Company'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). Tri-County Bank & Trust Company's $296M falls in the highlighted band.

Safety ratios for Tri-County Bank & Trust Company

Tier 1 capital ratio
Well-capitalized 10%

9.59% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.59%
Texas Ratio
5.74%
Equity Capital
$24M

What these ratios mean →

Profitability metrics: Tri-County Bank & Trust Company

Return on Assets (ROA)
10th percentile nationally
0.30%
Return on Equity (ROE)
3.88%
Efficiency Ratio
83.32%

What these mean →

Income & expense at Tri-County Bank & Trust Company

$14M
Interest Income
$946K
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. Tri-County Bank & Trust Company reports a Texas Ratio of 5.74% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.74% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Tri-County Bank & Trust Company

Tri-County Bank & Trust Company's grade of D reflects specific pressure points in the FDIC Call Report. Its Tier 1 capital ratio of 9.59% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Tri-County Bank & Trust Company up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Tri-County Bank & Trust Company on FDIC BankFind →

Top banks in Indiana by total assets

Largest banks headquartered in Indiana
  1. 1
    Old National Bank $71.8B

    Evansville, IN · Grade B

  2. 2
    Merchants Bank of Indiana $19.4B

    Carmel, IN · Grade A

  3. 3
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  4. 4
    Centier Bank $9.7B

    Whiting, IN · Grade A

  5. 5
    1st Source Bank $9.1B

    South Bend, IN · Grade A

Top 5 banks in Indiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($296M here), outside Indiana so the neighborhood is not state containment.

First Federal Savings and Loan Associ… $295M · OH Washington State Bank $296M · LA The Payne County Bank $295M · OK Redstone Bank $296M · CO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Tri-County Bank & Trust Company (FDIC Cert #210) - 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.

Tri-County Bank & Trust Company Call Report profile · FDIC Failed Bank List · Indiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Indiana

All Indiana banks →
BankAssetsGradeROA
Old National BankEvansville $71.8B B 1.16%
Merchants Bank of IndianaCarmel $19.4B A 1.20%
First Merchants BankMuncie $19.0B A 1.27%
Centier BankWhiting $9.7B A 1.67%
1st Source BankSouth Bend $9.1B A 1.84%
German American BankJasper $8.4B A 1.46%
Lake City BankWarsaw $7.0B A 1.61%
Horizon BankMichigan City $6.4B C -1.96%