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Overview / Commentary
18 East Washington Street
Roachdale, IN 46172

Tri-County Bank & Trust Company is headquartered in Roachdale and is the 70th largest bank in the state of Indiana. It is also the 3,088th largest bank in the nation. It was established in 1892 and as of June of 2014, it had grown to 39 employees at 5 locations. Tri-County Bank & Trust Company has a A health rating.

Reviews (1)

Review For Tri Co. Bank

My husband and Ihave banked at Tri -County for about ten years. We have always had great service. From everyone we have come in contact with. They treat you like family! I do alot of commuitity service in putnam co. I can always count on Tri County to help! In way shape or form. Iknow I can always count on them for support. Tammy Folck


Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Tri-County Bank & Trust Company had $2.26 million in non-current loans and owned real-estate with $23.38 million in equity and loan loss allowances on hand to cover it. This gives Tri-County Bank & Trust Company a Texas Ratio of 9.67% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Tri-County Bank & Trust Company experienced no significant changes from 5.70% as of June 30, 2013 to 9.67% as of June 30, 2014, resulting in a negative change of 69.66%. This indicates that the balance sheet and financial strength for Tri-County Bank & Trust Company has had no significant changes in recent periods.

Deposit Growth


In the past year, Tri-County Bank & Trust Company has increased its total deposits by $7.12 million, resulting in 4.32% 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-County Bank & Trust Company has shown is excellent.



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-County Bank & Trust Company has $195.25 million in assets with $23.38 million in equity, resulting in a capitalization level of 11.98%, which is excellent.

Institution Statistics

FDIC Certificate #210
Year Established1892
Primary RegulatorFDIC
Assets and Liabilities
Assets$195.25 million
Loans$78.69 million
Deposits$172.09 million
Equity Capital$22.23 million
Loan Loss Allowance$1.16 million
Unbacked Noncurrent Loans$1.99 million
Real Estate Owned$270,000
Historic Data - June 2013
Assets$187.32 million
Equity Capital$21.50 million
Loan Loss Allowance$1.11 million
Unbacked Noncurrent Loans$1.99 million
Real Estate Owned$256,000
Profit Margin - Quarterly
Return on Assets0.64%
Return on Equity5.63%
Interest Income$2.80 million
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Tri-County Bank & Trust Company Savings Account Rates

0.18%$100-Preferred Savings
0.15%--Junior Savings
0.15%--Christmas Club

Tri-County Bank & Trust Company Money Market Rates

0.20%$2,500-Money Market Savings
0.20%$2,500-Money Market Checking

Tri-County Bank & Trust Company CD Rates

1.31%$1k-5 Year CD
1.15%$1k-4 Year CD
0.65%$1k-3 Year CD
0.60%$1k-30 Month CD
0.45%$1k-2 Year CD
0.40%$1k-18 Month CD
0.25%$1k-1 Year CD
0.20%$1k-6 Month CD
0.15%$1k-3 Month CD

Tri-County Bank & Trust Company IRA Rates

1.30%$500-5 Year Fixed IRA
0.70%$500-18 Month Variable IRA
0.45%$500-2 Year Fixed IRA
0.25%$500-1 Year Fixed IRA

Tri-County Bank & Trust Company Locations
South Boulevard Branch101 East South BoulevardCrawfordsville, IN 47933
Tri-County Bank & Trust Company18 East Washington StreetRoachdale, IN 46172
Bainbridge Branch203 East Highway 36Bainbridge, IN 46105
Russellville Branch220 South Harrison StreetRussellville, IN 46175
Main Street Crawfordsville Branch224 East Main StreetCrawfordsville, IN 47933