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Tri-County Financial Group, Inc. reported updated employment agreements for its top executives. Following the previously announced appointment of Kirk Ross as President and Chief Executive Officer after Timothy McConville’s retirement, the company and its bank subsidiary entered into an Amended and Restated Employment Agreement with Mr. Ross effective January 1, 2026. He will serve as President and Chief Executive Officer of both the company and First State Bank with an automatically renewing two-year term, an annual base salary subject to review, and eligibility for a discretionary performance bonus and standard benefit plans. If his employment is terminated without cause or for good reason, he is entitled to a lump sum severance equal to 200% of his base salary, subject to a release of claims and a 280G cutback.
The bank also entered into an Amended and Restated Employment Agreement with Lana Eddy, who will continue as Chief Financial Officer and Cashier of First State Bank on a similar two-year, automatically renewing basis. Her agreement includes an annual base salary subject to review, eligibility for a discretionary bonus and participation in benefit plans. If her employment is terminated without cause or for good reason, she is entitled to a lump sum payment equal to 100% of her base salary, also subject to a release of claims and a 280G cutback.
Tri-County Financial Group (TYFG) reported higher quarterly earnings. For Q3 2025, net income was $3.712 million versus $3.058 million a year ago, and diluted EPS was $1.53 versus $1.26. Net interest income rose to $12.969 million from $10.865 million as total interest expense declined year over year. The company recorded $156 thousand of credit loss expense on loans, compared with a recovery in the prior year quarter.
Non‑interest income was stable at $4.448 million, with mortgage banking at $2.988 million versus $3.120 million. For the nine months, net income reached $9.773 million versus $8.038 million, and diluted EPS was $4.05 versus $3.30.
On the balance sheet, total assets were $1.587 billion at September 30, 2025, up from $1.539 billion at December 31, 2024. Loans (net) increased to $1.284 billion, while total deposits were $1.253 billion, down from $1.273 billion. Federal Home Loan Bank advances and other borrowings rose to $121.917 million from $67.917 million. Stockholders’ equity improved to $153.984 million, aided by a smaller accumulated other comprehensive loss of $6.521 million. The company paid a $0.25 per‑share dividend in the quarter and repurchased 14,000 shares; shares outstanding were 2,376,518 as of November 10, 2025.
Tri-County Financial Group, Inc. (TYFG) announced a leadership change. On October 28, 2025, Timothy McConville resigned as President and CEO of the Company and as a director of the Company and First State Bank. The Company stated his resignation was not due to any disagreement regarding operations, policies, or practices.
On October 30, 2025, Kirk Ross, already President and CEO of First State Bank, was appointed President and CEO of the Company. Ross has been with the Bank since 1994, with a background in commercial lending, and previously served as Executive Vice President before becoming Bank CEO and President in 2024. The Company disclosed no changes to Ross’s compensation or benefits in connection with these appointments.
Tri-County Financial Group, Inc. furnished an 8-K announcing that it issued a press release with financial results for the quarter ended September 30, 2025. The press release is attached as Exhibit 99.1 and incorporated by reference. The information under Item 2.02 and Exhibit 99.1 is being furnished and, except as required by law, is not deemed filed for purposes of Section 18 of the Exchange Act.
Tri-County Financial Group (TYFG) reported continued core banking performance in the transition 10-Q. Total loans were $1,279,099 and deposits were $1,268,776 at June 30, 2025. Net interest income for the quarter was $12,244, up from $10,618, and the company reported a six-month net income of $6,061 with quarterly net income of $3,507. Diluted metrics show net interest margin improved to 3.31% (GAAP) and 3.40% (FTE non-GAAP) versus prior-period comparatives around 2.92%–2.94%.
Profitability metrics rose: return on average assets was 0.80% and return on average equity was 8.36% for the reported period. Common Equity Tier 1 capital was $155,252 representing 13.4% of risk-weighted assets, and total capital ratios comfortably exceeded regulatory minima. The company reported unrealized losses on available-for-sale securities (unrealized gains (losses) reported as approximately $(13,747)) and an allowance for credit losses on loans near $(14,488). Efficiency remained elevated with a reported efficiency ratio around 72.3% for the most recent period.
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