Tri-County Financial Group, Inc. filed its Form 10-Q for the quarterly period ended September 30, 2026 with the Securities and Exchange Commission on November 13, 2026, reporting third-quarter and year-to-date financial results for the Illinois-based community bank holding company.

Key Highlights

  • Net income: $3.353 million for the three months ended September 30, 2026, compared to $3.712 million for the same period in 2025, according to the filing.
  • Nine-month net income: $11.942 million for the nine months ended September 30, 2026, up from $9.773 million for the nine months ended September 30, 2025.
  • Basic earnings per share: $1.39 for the third quarter of 2026 and $5.00 for the nine months ended September 30, 2026, as reported in the filing.
  • Total assets: $1.584713 billion as of September 30, 2026, compared to $1.595721 billion at December 31, 2025.
  • Total deposits: $1.287263 billion as of September 30, 2026, compared to $1.303923 billion at December 31, 2025.
  • Cash dividend: $0.28 per share on common stock declared during Q3 2026, compared to $0.25 per share in Q3 2025, per the statements of changes in stockholders' equity.
  • Shares outstanding: 2,454,848 shares of common stock as of November 6, 2026, as stated on the filing's cover page.

Tri-County Financial Group's Third-Quarter 2026 Income and Balance Sheet Results

According to the filing, Tri-County Financial Group, a Delaware-incorporated bank holding company headquartered at 706 Washington Street, Mendota, Illinois, reported net interest income of $14.517 million for the three months ended September 30, 2026, compared to $12.969 million for the same quarter in 2025. Total interest income rose to $21.704 million from $21.094 million in Q3 2025, while total interest expense declined to $7.187 million from $8.125 million, the filing disclosed. The company's common stock trades on the OTC Market Group, Inc. under the ticker symbol OTC:TYFG.

The filing reported total non-interest income of $3.471 million for Q3 2026, compared to $4.448 million in Q3 2025, with mortgage banking activity contributing $1.985 million in Q3 2026 versus $2.988 million a year earlier. Total non-interest expenses were $12.896 million for Q3 2026, up from $12.121 million in Q3 2025, driven in part by salaries and employee benefits of $8.392 million compared to $8.004 million in the prior-year period. Income before income taxes for Q3 2026 was $4.727 million, against $5.043 million for Q3 2025, the filing stated.

On the balance sheet, the filing reported loans net of allowance for credit losses of $1.287328 billion as of September 30, 2026, compared to $1.300302 billion at December 31, 2025. Total stockholders' equity was $166.900 million at September 30, 2026, up from $157.771 million at year-end 2025. During Q3 2026, 48,645 shares were issued through stock option exercises, raising $1.830 million in aggregate, according to the statements of changes in stockholders' equity. The company is classified as an emerging growth company and a non-accelerated filer under the Exchange Act, as indicated on the filing's cover page.

What Was Disclosed

Tri-County Financial Group filed its quarterly report covering the period ended September 30, 2026, disclosing income statement results, balance sheet figures, changes in stockholders' equity, and share count data. The filing covers consolidated operations of the Delaware-incorporated holding company and its subsidiaries.