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Tri-County Bank

Brown City, MI · Est. 1889 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

Tri-County Bank is a bank based in Brown City, Michigan, established in 1889, with $639 million in total assets across 12 branches. By Trust Grade it ranks 21st of 73 banks we track in Michigan. Its capital ratio of 12.3% is stronger than 75% of similarly sized banks, versus a Michigan median of 9.6%. It was profitable over the most recent period, with a 2.27% return on assets. No consumer complaints against Tri-County Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$638.7M
$100M–1B institution
Deposits
$548.7M
Branches
12
Capital ratio
12.3%
Top 25% of $100M–1B peers · Michigan median 9.6%
Return on assets
2.3%
Top 8% of $100M–1B peers · Michigan median 1.15%
Rank in Michigan
#21
of 73 banks

How Tri-County Bank compares to Michigan peers

Capital ratio
Top 25% of $100M–1B peers
Tri-County Bank
12.3%
Michigan median
9.6%
Higher capital ratio = stronger financial cushion
Return on assets
Top 8% of $100M–1B peers
Tri-County Bank
2.3%
Michigan median
1.1%
Higher ROA = more profitable relative to asset base

How we graded Tri-County Bank

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (12.3% capital ratio)
  • Strongly profitable (ROA 2.27%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Tri-County Bank over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (12)

  • 6730 Newark Rd, Imlay City, MI 48444
  • 4511 Van Dyke Rd, Almont, MI 48003
  • 7514 Brockway Rd, Yale, MI 48097
  • 2 E Lapeer St, Peck, MI 48466
  • 3482 Main St, Marlette, MI 48453
  • 4436 Main St, Brown City, MI 48416
  • 6681 Bernie Kohler Dr, North Branch, MI 48461
  • 3433 Capac Rd, Capac, MI 48014
  • 5915 State St, Kingston, MI 48741
  • 209 S Main St, Romeo, MI 48065
  • 4190 Main St, Brown City, MI 48416
  • 6363 West Main Street, Cass City, MI 48726

Are deposits at Tri-County Bank insured?

Yes. Tri-County Bank is an FDIC-insured bank (FDIC certificate #977). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Tri-County Bank: frequently asked questions

Is Tri-County Bank a good bank?

Tri-County Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.3% capital ratio); Strongly profitable (ROA 2.27%).

Is Tri-County Bank FDIC-insured?

Yes. Tri-County Bank is a FDIC-insured bank (FDIC certificate #977). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Tri-County Bank?

Tri-County Bank holds $639 million in total assets, ranking 21st of 73 banks we track in Michigan. It operates 12 branches.

Does Tri-County Bank have CFPB complaints?

No CFPB complaints against Tri-County Bank appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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