Tri-County Financial Group Inc
Tri-County Financial Group, Inc. operates as a bank holding company for First State Bank, providing various banking and mortgage banking services and insurance services to individuals and businesses in the United States. It operates through two segments: Commercial Banking and Mortgage Banking. The Commercial Banking segment provides loan and deposit products to individual consumers and businesse… Read more
Tri-County Financial Group Inc (TYFG) - Net Assets
Latest net assets as of December 2025: $157.77 Million USD
Based on the latest financial reports, Tri-County Financial Group Inc (TYFG) has net assets worth $157.77 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($1.60 Billion) and total liabilities ($1.44 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $157.77 Million |
| % of Total Assets | 9.89% |
| Annual Growth Rate | 5.97% |
| 5-Year Change | 24.23% |
| 10-Year Change | 94.25% |
| Growth Volatility | 11.78 |
Tri-County Financial Group Inc - Net Assets Trend (2013–2025)
This chart illustrates how Tri-County Financial Group Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Tri-County Financial Group Inc (2013–2025)
The table below shows the annual net assets of Tri-County Financial Group Inc from 2013 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $157.77 Million | +15.89% |
| 2023-12-31 | $136.14 Million | +2.30% |
| 2022-12-31 | $133.08 Million | -2.60% |
| 2021-12-31 | $136.64 Million | +7.60% |
| 2020-12-31 | $127.00 Million | +18.12% |
| 2019-12-31 | $107.51 Million | +10.76% |
| 2018-12-31 | $97.06 Million | +5.61% |
| 2017-12-31 | $91.90 Million | +31.62% |
| 2016-12-31 | $69.83 Million | -14.03% |
| 2014-12-31 | $81.22 Million | +3.28% |
| 2013-12-31 | $78.64 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Tri-County Financial Group Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 169.8% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $141.07 Million | 89.42% |
| Other Components | $16.70 Million | 10.58% |
| Total Equity | $157.77 Million | 100.00% |
Tri-County Financial Group Inc Competitors by Market Cap
The table below lists competitors of Tri-County Financial Group Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
RUMBLEON CL.B DL-001
F:4Q01
|
$69.91 Million |
|
Eastern Polymer Group Public Company Limited
BK:EPG
|
$69.91 Million |
|
Captor Therapeutics S.A.
WAR:CTX
|
$69.93 Million |
|
Premier American Uranium Inc
PINK:PAUIF
|
$69.93 Million |
|
Globalworth REIT
LSE:GWI
|
$69.85 Million |
|
PLAYWAY S.A. ZY-10
F:6P5
|
$69.84 Million |
|
ZTEST
BATS:ZTEST
|
$69.82 Million |
|
SILICOM LTD IS-01
F:S1L
|
$69.80 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Tri-County Financial Group Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2025, total equity changed from 136,143,000 to 157,771,000, a change of 21,628,000 (15.9%).
- Net income of 13,663,000 contributed positively to equity growth.
- Other factors increased equity by 7,965,000.
Equity Change Factors (2023 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $13.66 Million | +8.66% |
| Other Changes | $7.96 Million | +5.05% |
| Total Change | $- | 15.89% |
Book Value vs Market Value Analysis
This analysis compares Tri-County Financial Group Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.67x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2013-12-31 | $0.00 | $44.81 | x |
| 2014-12-31 | $0.00 | $44.81 | x |
| 2017-12-31 | $37.33 | $44.81 | x |
| 2018-12-31 | $39.42 | $44.81 | x |
| 2019-12-31 | $43.66 | $44.81 | x |
| 2020-12-31 | $51.29 | $44.81 | x |
| 2021-12-31 | $55.17 | $44.81 | x |
| 2022-12-31 | $53.43 | $44.81 | x |
| 2023-12-31 | $56.20 | $44.81 | x |
| 2025-12-31 | $66.43 | $44.81 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Tri-County Financial Group Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 8.66%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 20.29%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 10.11x
- Recent ROE (8.66%) is above the historical average (7.79%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2013 | 2.25% | 2.71% | 0.05x | 15.66x | $-4.54 Million |
| 2014 | 3.38% | 5.06% | 0.05x | 14.20x | $-4.05 Million |
| 2016 | 9.59% | 14.00% | 0.05x | 13.66x | $-287.50K |
| 2017 | 4.35% | 8.67% | 0.04x | 11.59x | $-5.20 Million |
| 2018 | 7.05% | 14.57% | 0.04x | 11.59x | $-2.87 Million |
| 2019 | 8.25% | 17.67% | 0.04x | 10.64x | $-1.88 Million |
| 2020 | 15.86% | 26.86% | 0.06x | 10.46x | $7.44 Million |
| 2021 | 9.68% | 18.26% | 0.05x | 10.27x | $-441.20K |
| 2022 | 9.19% | 20.54% | 0.04x | 11.59x | $-1.07 Million |
| 2023 | 7.38% | 17.24% | 0.04x | 11.41x | $-3.57 Million |
| 2025 | 8.66% | 20.29% | 0.04x | 10.11x | $-2.11 Million |
Industry Comparison
This section compares Tri-County Financial Group Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Tri-County Financial Group Inc (TYFG) | $157.77 Million | 2.25% | 9.11x | $69.85 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |