TYFG Tri-County Financial Group, Inc.

Overview and Growth

In fiscal 2025, Tri-County Financial Group, Inc. recorded $17.23M of revenue and net income of $13.66M. Reported revenue of $17.23M establishes the scale of the bank’s recognized income for the year and provides context for comparing earnings with the financial resources employed. Revenue was 10.2% above fiscal 2024 revenue of $15.63M, marking a year-over-year increase. On a per-share basis, diluted EPS was $5.67, which connects the reported earnings outcome with the company’s diluted share count. Diluted EPS increased by 32.5% from $4.28 in fiscal 2024, showing how the earnings change reached shareholders on a per-share basis. A diluted share base of 2.41B links the aggregate earnings figure to diluted EPS and helps frame the per-share comparison. Diluted shares moved 1.2% from 2.44B in fiscal 2024, leaving the current share base lower year over year. Total assets stood at $1.60B, defining the scale of the bank’s financial balance sheet and providing the base for evaluating earnings returns, capitalization, liquidity, and its shareholder-capital buffer.

Profitability

Bottom-line earnings totaled $13.66M for the fiscal year. Net margin was 79.3%, meaning that this portion of revenue remained as net income after all recognized expenses. The earnings statement records $18.47M of pretax income, the profit base against which the reported tax provision can be assessed. Measured against revenue, pretax income equaled 107.2%, adding a pre-tax profitability layer between revenue and net income. Income tax expense totaled $4.81M, providing the reported tax component that separates pretax and after-tax earnings. The effective relationship between income tax and positive pretax income was 26.0%, without assuming a statutory-rate comparison. Return on period-end equity was 8.7%, relating annual net income to the equity capital on the balance sheet. Return on period-end assets was 0.9%, connecting net income with the company’s total asset base. Current net income of $13.66M was above fiscal 2024 net income of $10.43M, showing the direction of the bottom-line change. For a banking business, profitability is best read through net income together with returns on the asset base and shareholder capital. Considering returns on both assets and equity distinguishes the profitability of the bank’s financial balance sheet from the result earned on shareholder capital and shows how the two perspectives differ.

Liquidity and Capital Structure

The company held $1.60B of assets against $1.44B of liabilities and $157.77M of equity, revealing how the asset base was financed. The company held $49.64M in cash and equivalents, a narrower liquidity measure than total current assets. Book equity represented 9.9% of total assets, quantifying the balance-sheet share supported by shareholder capital. The liabilities-to-assets relationship was 90.1%, placing reported obligations against the full positive asset balance. Measured against total assets, cash and equivalents represented 3.1%, a balance-sheet composition measure rather than a liquidity forecast. The asset base changed 3.7% from $1.54B in fiscal 2024, leaving current total assets higher year over year. Against $143.19M of equity in fiscal 2024, the current book-equity balance moved 10.2% and ended higher. Compared with $44.98M in fiscal 2024, the current cash balance moved 10.4% and finished higher. For a bank, the equity-to-assets relationship shows the shareholder-capital buffer supporting a balance sheet funded primarily through liabilities. Reading changes in assets and equity together shows how the bank’s operating scale and book-capital base developed over the year.

Based on the annual report for the fiscal year ending Dec 31, 2025. Analysis generated Oct 21, 2026.