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Overview / Commentary
414-874-2489
6400 South 27th Street
Oak Creek, WI 53154

Tri City National Bank is headquartered in Oak Creek and is the 10st largest bank in the state of Wisconsin. It is also the 562nd largest bank in the nation. It was established in 1963 and as of December of 2013, it had grown to 416 employees at 41 locations. Tri City National Bank has a B health rating.

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Health

Data for Q4 2013

Institution Health

B

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Tri City National Bank had $24.57 million in non-current loans and owned real-estate with $128.82 million in equity and loan loss allowances on hand to cover it. This gives Tri City National Bank a Texas Ratio of 19.07% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A

The Texas Ratio for Tri City National Bank decreased dramatically from 30.45% as of December 31, 2012 to 19.07% as of December 31, 2013, resulting in a positive change of 37.35%.This indicates that the balance sheet and financial strength for Tri City National Bank has improved dramatically in recent periods.

Deposit Growth

GRADE:
D

In the past year, Tri City National Bank has decreased its total deposits by -$60.52 million, resulting in -5.41% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Tri City National Bank has shown is below average.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Tri City National Bank has $1.18 billion in assets with $128.82 million in equity, resulting in a capitalization level of 10.92%, which is above average.

Institution Statistics

Overall
FDIC Certificate #18922
Year Established1963
Employees416
Primary RegulatorOCC
Assets and Liabilities
Assets$1.18 billion
Loans$670.78 million
Deposits$1.06 billion
Equity Capital$116.45 million
Loan Loss Allowance$12.37 million
Unbacked Noncurrent Loans$18.86 million
Real Estate Owned$5.71 million
Historic Data - December 2012
Assets$1.23 billion
Equity Capital$107.61 million
Loan Loss Allowance$12.20 million
Unbacked Noncurrent Loans$18.86 million
Real Estate Owned$8.55 million
Profit Margin - Quarterly
Net Interest Margin3.53%
Return on Assets0.75%
Return on Equity8.01%
Interest Income$40.42 million
Rates

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Tri City National Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.50%$25k-Health Savings Account
0.02%--Savings
0.02%--Christmas Club
0.02%--Dream Savings

Tri City National Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$100k-CESA Money Market
0.20%$100k-Roth IRA Money Market
0.20%$100k-IRA Money Market
0.15%$100k-Money Market Investor

Tri City National Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%$2,500-Investor Checking
0.02%--50+ Checking
0.02%--VIP Checking

Tri City National Bank CD Rates

DetailsAPYMINMAXPRODUCT
0.75%$500-60 Month CD
0.50%$500-48 Month CD
0.40%$500-36 Month CD
0.35%$500-30 Month CD
0.30%$500-24 Month CD
0.25%$500-18 Month CD
0.20%$500-12 Month CD
0.10%$500-6 Month CD
0.05%$500-3 Month CD

Tri City National Bank IRA Rates

DetailsAPYMINMAXPRODUCT
0.85%$500-60 Month Non-contributory IRA (Traditional,Roth,CESA)
0.60%$500-48 Month Non-contributory IRA (Traditional,Roth,CESA)
0.55%$500-18 Month Contributory IRA (Variable) (Traditional,Roth,CESA)
0.50%$500-36 Month Non-contributory IRA (Traditional,Roth,CESA)
0.45%$500-30 Month Non-contributory IRA (Traditional,Roth,CESA)
0.40%$500-24 Month Non-contributory IRA (Traditional,Roth,CESA)
0.35%$500-18 Month Contributory IRA (Fixed) (Traditional,Roth,CESA)
0.35%$500-18 Month Non-contributory IRA (Traditional,CESA,Roth)
0.30%$500-12 Month Non-contributory IRA (Traditional,Roth,CESA)
Locations

Tri City National Bank has 43 locations. Click to view all Tri City National Bank locations.