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TCB Tri-County Bank

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TCB Tri-County Bank Rates & Review October 2026

Q: How many branches does TCB Tri-County Bank operate?

TCB Tri-County Bank currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, TCB Tri-County Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, TCB Tri-County Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

TCB Tri-County Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.98%, 6-month CD rates at 2.84% and 3-month CD rates at 2.66%. Savings rates are at 0.89% and money market rates are at 1.20%. Mortgage rates on 30-year fixed loans are around 7.38%. These rates come from our rate database, not TCB Tri-County Bank, and you can see how they compare in the TCB Tri-County Bank rate tables below. MonitorBankRates evaluates the financial stability of TCB Tri-County Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.10%. Database rates last updated and verified on 10/13/2026.

TCB Tri-County Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at TCB Tri-County Bank? Share your experience about TCB Tri-County Bank by leaving a review below, or read customer reviews before you decide to use TCB Tri-County Bank.

Ranked #66 Healthiest Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.10%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

TCB Tri-County Bank

106 N Main St
Stuart, NE 68780

https://www.tricountybank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

TCB Tri-County Bank Other Rates

Product	Rate	Points	APY/APR
Kasasa Cash Checking	3.93%	-	4.00%
Min Deposit $25 Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 to $9,999.99 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
Kasasa Cash Checking	0.35%	-	0.35%
Min Deposit $25 Min Balance $10,000 Details Qualifications Required: Only debit card transactions processed by merchants and received by the bank as point-of-sale transactions count towards qualifying debit card purchases. Account transactions and activities may take one or more business days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM withdrawals and ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the last business day of the current statement cycle. "Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. "Statement Cycle" means the period of time for which The Tri-County Bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account.; Balances up to $10,000 earn 4.00% APY. Balances $10,000 and over earn 0.35% APY. Refunded ATM fees up to $4.99 per transaction. APY = Annual Percentage Yield. The interest rate(s) and APY(s) are accurate as of July 26, 2021. APY calculations are based on an assumed balance of $10,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Interest rates, APYs, rewards, and bonuses, if any, are variable and at management discretion may change after the account is opened without notice to you. There is no limit on the amount the interest rate and APY can change. No minimum balance is required to earn or receive the account's rewards. Rewards of less than a penny cannot be distributed. Fees may reduce earnings. You will automatically qualify for the account's rewards (the preferred rate of interest and ATM withdrawal fee reimbursements) during your account's first statement cycle. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
Kasasa Cash Checking	0.05%	-	0.05%
Min Deposit $25 Details Qualifications Required: Only debit card transactions processed by merchants and received by the bank as point-of-sale transactions count towards qualifying debit card purchases. Account transactions and activities may take one or more business days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM withdrawals and ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the last business day of the current statement cycle. "Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. "Statement Cycle" means the period of time for which The Tri-County Bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account.; Balances up to $10,000 earn 4.00% APY. Balances $10,000 and over earn 0.35% APY. Refunded ATM fees up to $4.99 per transaction. APY = Annual Percentage Yield. The interest rate(s) and APY(s) are accurate as of July 26, 2021. APY calculations are based on an assumed balance of $10,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Interest rates, APYs, rewards, and bonuses, if any, are variable and at management discretion may change after the account is opened without notice to you. There is no limit on the amount the interest rate and APY can change. No minimum balance is required to earn or receive the account's rewards. Rewards of less than a penny cannot be distributed. Fees may reduce earnings. You will automatically qualify for the account's rewards (the preferred rate of interest and ATM withdrawal fee reimbursements) during your account's first statement cycle. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%
Kasasa Saver Savings	1.00%	-	1.00%
Min Deposit $25 Min Balance $0 Details Balance: 0 to $14,999.99 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.10%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

TCB Tri-County Bank’s Texas Ratio stayed near 0.39% in Q3 2023 to 0.10% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 2.9 to 5.0 and its Health Grade from C+ to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$299M	0.10%	5.0	A+
March 31, 2026	$234M	0.16%	5.0	A+
December 31, 2025	$244M	1.31%	5.0	A+
September 30, 2025	$229M	1.64%	5.0	A+
June 30, 2025	$223M	1.92%	4.5	A
March 31, 2025	$217M	2.27%	4.4	A-
December 31, 2024	$225M	0.23%	3.7	B
September 30, 2024	$227M	0.22%	4.2	A-
June 30, 2024	$224M	0.66%	3.5	B
March 31, 2024	$221M	3.49%	3.5	B
December 31, 2023	$217M	0.40%	3.7	B
September 30, 2023	$206M	0.39%	2.9	C+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for TCB Tri-County Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather TCB Tri-County Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with TCB Tri-County Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name TCB Tri-County Bank

Bank Holding Company TRI-COUNTY CO

Address 106 N Main St, Stuart, NE 68780 · Holt

Website https://www.tricountybank.com

FDIC Certificate # 16339

Established 19451117

FDIC Insurance Date 19451117

Domestic Offices 6

Total Branches 6

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.10%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0061%

Return on Equity (ROE) 13.3200%

Non-Performing Loans (NPL) 0.01%

Total Assets $299,260,000

Total Deposits $272,763,000

Equity Capital $24,043,000

Net Income $1,302,000

Headquarters Stuart

Total Branches and Offices 6

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

TCB Tri-County Bank earned the Top 100 Healthiest badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/the-tri-county-bank-rates-review-16339">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026-q2.svg"
       alt="Ranked #66 in MonitorBankRates Top 100 Healthiest Small Banks Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Banks Q2 2026 ranking.

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Frequently Asked Questions About TCB Tri-County Bank

How many branches does TCB Tri-County Bank operate?

TCB Tri-County Bank currently maintains approximately 6 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, TCB Tri-County Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, TCB Tri-County Bank provides members with tools to manage their accounts and build a solid financial history.

Does TCB Tri-County Bank offer online and mobile banking?

Most modern institutions like TCB Tri-County Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.tricountybank.com.