This institution is no longer active

Operations ceased on November 20, 2006. CRA examination history below reflects the period it was active.

TRI-COUNTY BANK

TRENTON, FL · Supervised by FDIC

Est. 1987FDIC #26,966RSSD: FDIC-26966

Part ofAMERIS BCORP→ View all charters

Satisfactory Down

Current rating · Exam: August 2005

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.52%

Institution Profile

FDIC BankFind

Address

530 East Wade Street, TRENTON, FL

County

Gilchrist County

Established

May 22, 1987

Total Assets

$101M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2005

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 20 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2006Call Report / FDIC

Total Assets

$101M

Total Deposits

$91M

Net Loans

$57M

Net Income

$928K

ROA

1.52%

Above avg for Small banks. Peer avg: 0.44%

ROE

14.21%

Risk-Based Capital

14.59%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.52%Peer avg: 0.44%▲ Above avg

Risk-Based Capital14.59%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

Exam Date	Rating	Exam Type
Aug 2005	Satisfactory	Large Bank
Mar 1999	Outstanding	Small Bank
Mar 1996	Outstanding	Not Reported

2 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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