FDIC Cert #11465 · Glasgow, Missouri · Est. 1921

Tri-County Trust Company - FDIC Bank Health Profile

A community-scale look at Tri-County Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$62M
Total assets
A
Health grade · Excellent
1.32%
Return on assets
13.8%
Tier 1 capital

Data updated July 2026

The verdict

Tri-County Trust Company earns a PlainBankData health grade of A (83/100), with well-capitalized at 13.81% Tier 1, profitable at 1.32% ROA, 69% efficiency ratio.

#4,042
largest of 4,313 FDIC banks by assets
6th
percentile by asset size, nationally
13.81%
Tier 1 ratio - above the 10% well-capitalized line
65th
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.

FDIC Call Report plate

Cert 11465 · MO A · 83/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-A A (83/100)
  • MID-PACK #1713/4307
  • PHOTO-FINISH First State Bank of… · TX
  • TIER1-WELL 13.8% Tier 1
  • TEXAS-CLEAN 3.6% Texas
  • ROA-STRONG 1.32% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Missouri: First State Bank of Burnet, TX (±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 Trust Company

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

Morgan Stanley Bank,… · UT ·…100/100Community First Bank · WI · …83/100Fairview State Banki… · IL ·…83/100First State Bank of… · TX · …83/100McClave State Bank · CO · ne…83/100Tri-County Trust Com… · MO ·…83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Tri-County Trust Company · July 2026

Call Report read for Tri-County Trust Company in a high-failure state

Tri-County Trust Company (FDIC Cert #11465) carries a PlainBankData health grade of A at 83/100, 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 #1,713 of 4,307. Tier 1 capital prints at 13.81%, clearing the 10% well-capitalized line. The Texas Ratio is 3.59%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.32%. Balance-sheet scale is $62M, 4,042nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First State Bank of Burnet (TX), 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 Trust Company

16 FAILURE resolutions in Missouri since 2000, heavy vs the state corpus

Tri-County Trust Company sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about Tri-County Trust Company's current Call Report.

  • TRUMAN BANK ST. LOUIS, MO 2012 → SIMMONS FIRST NATIONAL BANK
  • GLASGOW SAVINGS BANK GLASGOW, MO 2012 → REGIONAL MISSOURI BANK
  • COMMUNITY BANK OF THE OZARKS SUNRISE, MO 2012 → BANK OF SULLIVAN

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

How Tri-County Trust Company's 83/100 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 avg77/10083/100
Tri-County Trust Company's composite health score
Tier 1 Capital Ratio (13.81%) 35/40
Return on Assets (ROA) (1.32%) 20/25
Texas Ratio (3.59%) 20/20
Efficiency Ratio (68.53%) 8/15

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

Balance sheet at a glance

Total Assets

$62M

Total balance-sheet footings

Total Deposits

$48M

Customer-funded liabilities

Net Loans

$42M

Outstanding loan book

Net Income

$810K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.41% 13.81% 15.21%
Basel III capital ratios - Tri-County Trust Company

Where Tri-County Trust Company ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Tri-County Trust Company's score of 83/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

83 Top 40% higher than 60% 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%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Tri-County 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 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 Trust Company's $62M falls in the highlighted band.

Capital & credit buffers at Tri-County Trust Company

Tier 1 capital ratio
Well-capitalized 10%

13.81% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.81%
Texas Ratio
3.59%
Equity Capital
$8M

What these ratios mean →

Earnings posture at Tri-County Trust Company

Return on Assets (ROA)
65th percentile nationally
1.32%
Return on Equity (ROE)
11.57%
Efficiency Ratio
68.53%

What these mean →

Income & expense at Tri-County Trust Company

$4M
Interest Income
$96K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Tri-County Trust Company reports a Texas Ratio of 3.59% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.59% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

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

Top banks in Missouri by total assets

Largest banks headquartered in Missouri
  1. 1
    UMB Bank $72.8B

    Kansas City, MO · Grade A

  2. 2
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

  3. 3
    The Central Trust Bank $20.8B

    Jefferson City, MO · Grade A

  4. 4
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

  5. 5
    Enterprise Bank & Trust $17.3B

    Clayton, MO · Grade B

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($62M here), outside Missouri so the neighborhood is not state containment.

First National Bank in Frankfort $62M · KS Commerce Bank Texas $61M · TX Lamont Bank of St. John $61M · WA Stanton State Bank $61M · NE

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Tri-County Trust Company (FDIC Cert #11465) - 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 Trust Company Call Report profile · FDIC Failed Bank List · Missouri FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Missouri

All Missouri banks →
BankAssetsGradeROA
UMB Bank, National AssociationKansas City $72.8B A 1.01%
Commerce BankKansas City $32.7B A 1.74%
The Central Trust BankJefferson City $20.8B A 1.82%
Stifel Bank and TrustSaint Louis $19.4B A 1.82%
Enterprise Bank & TrustClayton $17.3B B 1.29%
Stifel BankSaint Louis $11.7B A 1.49%
First BankSt. Louis $6.7B B 0.51%
Great Southern BankReeds Spring $5.6B A 1.31%