TYFG
Tri-County Financial Group, Inc.48.80
+0.00+0%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
116.02MP/E (TTM)
10.92Basic EPS (TTM)
4.47Dividend Yield
0.02%Recent Filings
10-Q
Q3 FY2025 results
Tri-County Financial Group posted solid Q3 results ended September 30, 2025, with net income up 21% y/y to $3.7M ($1.53 diluted EPS) on net interest income surging 19% y/y to $13.0M as loan yields hit 6.00% while deposit costs fell to 2.46%. YTD net income climbed 22% y/y to $9.8M ($4.05 diluted EPS), fueled by 15% higher NII to $36.9M and mortgage banking up 11% y/y to $8.5M, though credit loss expense flipped to $641K from a $1.4M recovery. Loans grew 1.8% q/q to $1.30B, deposits dipped 1.6% to $1.25B (cash $52.8M), FHLB advances doubled to $121.9M with $423M available. OCF provided $3.6M YTD. Past dues ticked up slightly to 0.84%. Commercial real estate weighs on asset quality.
8-K
CEO resigns; Ross appointed
8-K
Q3 net income rises 21%
Tri-County Financial Group reported Q3 2025 net income of $3.7 million, up 21% from $3.1 million in Q3 2024, driven by net interest income surging 19% to $13.0 million amid loan portfolio repricing. Loans grew 3% to $1.31 billion, with nonperforming loans at 0.54%, while core deposits rose $38 million year-over-year excluding brokered funds. Asset quality stays solid. The board declared a $0.25 per share dividend, payable October 9.
10-Q
Q2 FY2025 results
Tri-County Financial Group posted solid Q2 FY2025 results, with net income jumping 52% year-over-year to $3.5 million, or $1.46 diluted EPS, fueled by net interest income up 15% to $12.2 million on a 3.40% FTE margin (derived) versus 2.94% last year, thanks to higher loan yields at 5.93% while deposit costs eased to 2.56%. Mortgage banking income surged 22% to $3.3 million, driven by stronger originations, yet the commercial banking segment carried the load with steady loan growth in real estate (up 3.7% y/y to $558.7M). Liquidity looks solid, with $47.4M in cash equivalents and $528M available from FHLB and Fed lines, while total debt of $96.8M (FHLB advances at 4.57%, subordinated notes at 3.58%) remains manageable against $149M equity. No M&A or regulatory hits noted. Still, competition in Illinois banking could squeeze margins if rates stay choppy.
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