Tri City National Bank
Oak Creek, Wisconsin, Milwaukee County
$2.0B in total assets, the 631st largest of 4,309 US banks and 16th of 155 headquartered in Wisconsin.
- FDIC certificate
- 18922
- Established
- 1963
- Owned by
- Tri City Bankshares Corp
- Primary regulator
- OCC
- Website
- www.tcnb.com
At a glance
Compared with 29 banks headquartered in Wisconsin with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.0B | 55% | $1.7B | |
| Loans | $1.2B | 41% | $1.4B | |
| Deposits | $1.7B | 62% | $1.4B | |
| Return on assets | 0.85% | 14% | 1.27% | |
| Net interest margin | 3.63% | 48% | 3.75% | |
| Efficiency ratio | 72.9% | 86% | 59.9% | |
| Equity to assets | 9.68% | 28% | 10.94% | |
| Loans to deposits | 67% | 2% | 94% |
Growth
Total assets grew 0.0% a year over the last 5 years and 4.1% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2009 | Bank of Elmwood Racine, WI | $327M |
| Aug 1990 | Tri City National Bank of Hales Corners Hales Corners, WI, an affiliate under the same holding company | $58M |
| Aug 1990 | Tri City National Bank of West Allis West Allis, WI, an affiliate under the same holding company | $58M |
| Aug 1990 | Tri City National Bank of Brown Deer Brown Deer, WI, an affiliate under the same holding company | $33M |
| Aug 1990 | Tri City National Bank of Brookfield Brookfield, WI, an affiliate under the same holding company | $20M |
| Aug 1990 | Tri City National Bank of Menomonee Falls Menomonee Falls, WI, an affiliate under the same holding company | $11M |
Where they operate
26 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Milwaukee County, WI | $1.1B | 2.0% | 6 of 27 |
| Waukesha County, WI | $368M | 1.9% | 15 of 34 |
| Racine County, WI | $257M | 5.7% | 7 of 13 |
| Kenosha County, WI | $34M | 0.9% | 11 of 11 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 12 branches since 2016 (38 to 26, −31.6%). 1 opened, 0 acquired, 13 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 38 | |||
| 2016 | Closed Milwaukee | 0 | 1 | −1 | 37 |
| 2018 | Opened WaukeshaClosed 3 in Wisconsin | 1 | 3 | −2 | 35 |
| 2019 | Closed Brookfield | 0 | 1 | −1 | 34 |
| 2021 | Closed Racine and Waukesha | 0 | 2 | −2 | 32 |
| 2022 | Closed 4 in Wisconsin | 0 | 4 | −4 | 28 |
| 2025 | Closed Milwaukee and West Allis | 0 | 2 | −2 | 26 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 53% | 31% | |
| Multifamily | 23% | 13% | |
| 1-4 family residential | 18% | 23% | |
| Construction and land | 4% | 8% | |
| Business (C&I) | 1% | 12% | |
| Consumer | 1% | 3% | |
| Farmland | 0% | 3% | |
| Agricultural | 0% | 4% | |
| Other | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 65% | 51% | |
| Noninterest-bearing | 24% | 19% | |
| Time deposits | 11% | 30% |
Brokered deposits are 0.0% of deposits (peers 6.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.51% | 0.34% |
| Net charge-offs, annualized | 0.04% | 0.01% |
| Reserves to loans | 1.21% | 1.05% |
| Leverage ratio | 11.10% | 10.74% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Wisconsin
Largest competitors in Milwaukee County, WI
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/tri-city