Tri-County Bank
Brown City, MI
IDRSSD: 695349
Total Assets
$604.49M
Latest filing
Total Deposits
$517.31M
Latest filing
Net Interest Margin
4.96%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Tri-County Bank
4190 Main St
Brown City, MI 48416
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/29/1889FDIC Certificate 643
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Tri-County Bank (Main) | 4190 Main St | Brown City, MI |
| IMLAY CITY BRANCH | 6730 Newark Rd | Imlay City, MI |
| ALMONT BRANCH | 4511 Van Dyke Rd | Almont, MI |
| YALE BRANCH | 7514 Brockway Rd | Yale, MI |
| PECK BRANCH | 2 E Lapeer St | Peck, MI |
| MARLETTE BRANCH | 3482 Main St | Marlette, MI |
| BEN'S SUPERMARKET BRANCH | 4436 Main St | Brown City, MI |
| NORTH BRANCH OFFICE BRANCH | 6681 Bernie Kohler Dr | North Branch, MI |
Showing 7 of 11
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 05/29/1889 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 48416 |
| State and County Number | 26151 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 83 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.tri-countybank.bank |
| Data Updated | 01/30/2026 |
| CERT | 977 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $604.49M |
| Total Deposits | $517.31M |
| Total Liabilities | $528.21M |
| Total Equity Capital | $76.28M |
| Net Income | $2.99M |
| Net Loans and Leases | $468.16M |
| Assets Per Employee ($Millions) | $7.11M |
| Bank Premises and Fixed Assets | $7.38M |
| Cash and Balances due from Depository Institutions | $8.05M |
| Deposits Held in Domestic Offices | $517.31M |
Key Performance Ratios
| Return on Assets (ROA) | 1.98% |
| Return on Equity (ROE) | 15.98% |
| Net Interest Margin | 4.96% |
| Efficiency Ratio | 41.35% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.47% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.619% |
| Earning Assets to total Assets | 94.5% |
Income and Expense
| Total Interest Income | $9.28M |
| Total Noninterest Income | $531.00k |
| Total Interest Expense | $2.22M |
| Total Noninterest Expense | $3.14M |
| Net Interest Income | $7.06M |
| Pre-tax Net Operating Income | $3.75M |
| Provision for Credit Losses | $706.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $10.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $972.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $904.00k |
| Total Liabilities and Capital | $604.49M |
Securities
| Securities | $99.52M |
| Available-for-sale debt securities | $99.44M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $75.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Tri-County Bank?
$604.49M as of the latest filing.
How much are Tri-County Bank's total deposits?
$517.31M in total deposits.
Where is Tri-County Bank located?
Brown City, MI.
What is the Net Interest Margin?
4.96%.
How many domestic offices does it operate?
12.
When was it established?
05/29/1889.
What is the Return on Assets (ROA)?
1.98%.
How much are total loans and leases?
$468.16M (latest filing).
What is the total interest income (latest filing)?
$9.28M.