Tri City Bankshares Corp
Tri City Bankshares Corp provides banking and financial services, including commercial and retail banking, wealth management, and loan origination.
Business. Tri City Bankshares Corp (TRCY.PK) is a bank headquartered in the United States that operates within the Banking & Investment Services industry. The company generates revenue primarily through interest income, consistent with standard banking operations. It is listed on the OTC market under the ticker symbol TRCY.PK. Specific details regarding operating segments and geographic breakdowns are not available.
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- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
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Tri City Bankshares Corp (TRCY.PK) is a bank headquartered in the United States that operates within the Banking & Investment Services industry. The company generates revenue primarily through interest income, consistent with standard banking operations. It is listed on the OTC market under the ticker symbol TRCY.PK. Specific details regarding operating segments and geographic breakdowns are not available.
Tri City Bankshares Corp maintains a strong liquidity position, with a debt-to-equity ratio of 0.0, indicating no long-term debt obligations. The company's total equity of $184.9 million supports a robust capital base, and its total assets of $2.0 billion suggest a well-capitalized balance sheet. However, the company's net cash position is negative after subtracting total debt, signaling potential liquidity constraints.
Profitability metrics show a return on equity (ROE) of 7.92% and a return on assets (ROA) of 0.73%. These figures are below the industry median for banks, which typically report ROE in the 10-15% range and ROA in the 1-2% range. The company's net income of $14.6 million on revenue of $61.7 million indicates a net margin of 23.7%, which is relatively strong but may not be sustainable without asset growth or cost optimization.
The company's revenue is concentrated in a single business segment, with no disclosed geographic diversification. This lack of diversification increases exposure to regional economic downturns and regulatory changes affecting the banking sector. No material revenue is attributed to international operations, and the company does not report segment-specific performance metrics.
Growth trajectory is constrained by the company's current financial structure. With no long-term debt and limited equity growth, the company may struggle to scale operations or expand into new markets. The outlook for the current fiscal year shows no significant revenue growth, and the next fiscal year is expected to follow a similar trend.
Risk factors include medium liquidity risk due to the negative net cash position and the absence of long-term debt, which may limit flexibility in capital deployment. The company's dilution risk is low, as there is no indication of share buybacks or new equity issuance in the near term. However, the lack of debt could also signal a conservative capital strategy that may hinder growth.
Recent filings and transcripts do not indicate any material events or strategic shifts. The company has not disclosed any major capital projects, mergers, or acquisitions in the latest financial reports.
- Tri City Bankshares Corp has a strong equity base but lacks long-term debt, which may limit growth opportunities.
- The company's ROE and ROA are below industry medians, suggesting room for improvement in asset utilization and profitability.
- Revenue is concentrated in a single segment, increasing exposure to regional economic risks.
- Growth is constrained by the absence of debt and limited equity expansion.
- Liquidity risk is moderate, and dilution risk is low in the near term.
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- Net cash is negative after subtracting total debt.
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- Tri City Bankshares Corp Market data — financials · 2026-05-29