Total Assets
$296M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$241M
Customer-funded liabilities
Net Loans
$202M
Outstanding loan book
Net Income
$871K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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 metrics
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
Profitability metrics
Return on Assets (ROA)
10th percentile nationally
0.30%
Return on Equity (ROE)
3.88%
Efficiency Ratio
83.32%
What the numbers say about Tri-County Bank & Trust Company
Tri-County Bank & Trust Company is an FDIC-insured institution (Certificate #210) headquartered in Roachdale, Indiana, established in 1892. It holds $296M in total assets - 2,507th of 4,313 FDIC-insured banks, $241M in customer deposits, and $202M in net loans. Looking at capital strength, Tier 1 stands at 9.59%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 5.74%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of D (41/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Indiana, Tri-County Bank & Trust Company ranks 62nd of 90 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Indiana by total assets
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.
Other banks in Indiana
All Indiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Tri-County Bank & Trust Company's health grade?▼
Tri-County Bank & Trust Company receives a health grade of D (41/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Tri-County Bank & Trust Company?▼
Tri-County Bank & Trust Company holds $296M in total assets and $241M in deposits, ranking 2,507th of 4,313 FDIC-insured banks by asset size. It is headquartered in Roachdale, Indiana.
Is my money safe at Tri-County Bank & Trust Company?▼
Yes, deposits at Tri-County Bank & Trust Company (Certificate #210) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Tri-County Bank & Trust Company's Tier 1 Capital Ratio?▼
Tri-County Bank & Trust Company has a Tier 1 Capital Ratio of 9.59%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Tri-County Bank & Trust Company?▼
Tri-County Bank & Trust Company has a Texas Ratio of 5.74%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Tri-County Bank & Trust Company?▼
Tri-County Bank & Trust Company has an Efficiency Ratio of 83.32%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Tri-County Bank & Trust Company's profile as a depositor or analyst.
- Tri-County Bank & Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Tri-County Bank & Trust Company against other Indiana banks before moving funds. Indiana 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.