Total Assets
$62M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$48M
Customer-funded liabilities
Net Loans
$42M
Outstanding loan book
Net Income
$810K
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
65th percentile nationally
1.32%
Return on Equity (ROE)
11.57%
Efficiency Ratio
68.53%
What the numbers say about Tri-County Trust Company
Tri-County Trust Company is an FDIC-insured institution (Certificate #11465) headquartered in Glasgow, Missouri, established in 1921. It holds $62M in total assets - 4,042nd of 4,313 FDIC-insured banks, $48M in customer deposits, and $42M in net loans. On safety, its Tier 1 capital ratio of 13.81% is above the 10% well-capitalized threshold, and its Texas Ratio of 3.59% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (83/100), 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.
By assets, Tri-County Trust Company ranks 195th of 198 banks based in Missouri -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$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.
Top banks in Missouri by total assets
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.
Other banks in Missouri
All Missouri banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Tri-County Trust Company's health grade?▼
Tri-County Trust Company receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Tri-County Trust Company?▼
Tri-County Trust Company holds $62M in total assets and $48M in deposits, ranking 4,042nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Glasgow, Missouri.
Is my money safe at Tri-County Trust Company?▼
Yes, deposits at Tri-County Trust Company (Certificate #11465) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Tri-County Trust Company's Tier 1 Capital Ratio?▼
Tri-County Trust Company has a Tier 1 Capital Ratio of 13.81%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Tri-County Trust Company?▼
Tri-County Trust Company has a Texas Ratio of 3.59%. 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 Trust Company?▼
Tri-County Trust Company has an Efficiency Ratio of 68.53%. 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 Trust Company's profile as a depositor or analyst.
- Tri-County Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Tri-County Trust Company against other Missouri banks before moving funds. Missouri 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.