Tri City National Bank

What Tri City National Bank does

Tri City National Bank is a community bank headquartered in Oak Creek, Wisconsin, founded in 1963 by Dave Ulrich. Operating exclusively in Southeastern Wisconsin, the bank serves individual consumers and small-to-medium businesses through a network of 26 branches spanning Milwaukee, Waukesha, Racine, Kenosha, and Ozaukee counties. With approximately 350 employees and assets exceeding $2 billion as of 2021, Tri City positions itself as a hometown alternative to national banks, emphasizing personalized service and community involvement. The bank is the principal operating subsidiary of Tri City Bankshares Corporation (OTC: TRCY), a publicly traded holding company.

The bank operates a full-service retail and commercial banking franchise. Personal banking includes four checking tiers (Student, Everyday, Advantage, Advantage Plus), savings vehicles (Money Market, Money Market+, CDs), mortgages, auto loans, student loans, HSAs, IRAs, and Visa-branded credit and debit cards. Business banking encompasses five checking tiers (Community through Premium), treasury management services (ACH, merchant services through Clover and Commerce Control, wire transfers, Positive Pay, Remote Deposit Capture), commercial real estate lending, business lines of credit, equipment leasing, and business credit cards. Technology infrastructure includes a consolidated Tri City Mobile app (unified across personal and business in 2025), Zelle integration, a digital banking platform powered by Alkami Technology, CheckArmor fraud protection, Greenlight kids' debit cards, and municipal tax-payment processing for multiple Wisconsin municipalities.

Tri City generates revenue through three primary streams: net interest income from loan and deposit spreads (95.2% of loans originated within SE Wisconsin), fee-based services (overdraft, wire transfers, merchant services, treasury management), and credit card interchange. Distribution combines 26 physical branches—including approximately six in-store locations inside Pick 'N Save grocery stores, where Tri City pioneered in-store banking in Wisconsin in 1989—with digital channels. Customer acquisition is supplemented by a Refer-a-Friend program offering $50 Visa Reward Cards via ReferLive. The bank participates in numerous ecosystem partnerships (Greenlight, Alkami, Visa, CheckArmor) and community initiatives (Milwaukee County Zoo 30+ year partnership, WWBIC, Hunger Task Force). A 2025 OCC CRA Satisfactory rating and consecutive Milwaukee Journal Sentinel Top Choice Awards (2021–2024) underscore its community standing.

Name

Tri City National Bank

Legal name

Tri City National Bank

Website

https://tcnb.com

Company type

Private

Founded year

1963

Operating status

Operating

Headcount range

251–500 employees

Short description

Tri City National Bank is a community bank in Southeastern Wisconsin, founded in 1963 and headquartered in Oak Creek. It serves individuals and small-to-medium businesses through 26 branches and digital banking, holding over $2 billion in assets with 350 employees.

Ownership category

akta.pro rank

Headquarters

HQ city

Oak Creek

HQ country

United States

HQ region

North America

Offices27 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income: Traditional bank revenue from interest rate spreads on loans (mortgages, auto loans, personal loans, business loans, commercial real estate) and deposits
2. Fee-Based Services: Account fees, overdraft charges, wire transfer fees, merchant services, and other banking service charges
3. Credit Card Revenue: Revenue from credit card transactions and interchange fees

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Tri City National Bank is a community bank providing personal and business banking products including checking and savings accounts, credit cards, debit cards, mortgages, auto loans, personal loans, student loans, business loans, treasury management, and merchant services. The bank operates 26 branch locations across Southeastern Wisconsin, including in-store locations inside Pick 'N Save grocery stores, complemented by online and mobile digital banking.

Product overview

Tri City National Bank operates as a true community bank offering a comprehensive suite of personal and business banking products. The bank provides personal checking (Student, Everyday, Advantage, Advantage Plus), personal savings (Everyday Savings, Money Market, CDs), credit cards, debit cards, investments, HSAs, and IRAs. Business offerings include business checking (Community, Everyday, Pro, Pro Plus, Premium), business savings, business loans (commercial real estate, lines of credit, small business, auto, equipment leasing), treasury management services (ACH, online banking, merchant services, wire transfers, Positive Pay, Remote Deposit), and business credit cards. Mortgage products include home purchase loans, construction/land loans, home equity loans, and refinancing. Additional products include auto loans, student loans, personal loans, and a Credit Builder Program. Digital services encompass online and mobile banking (consolidated Tri City Mobile app), credit score monitoring, financial calculators, fraud prevention (CheckArmor), gift cards, and municipal banking services. The bank operates exclusively in southeastern Wisconsin with 26 locations.

Differentiator

Problem solved

Functional benefit

Brands

• Tri City Mobile: Mobile banking application for both personal and business banking customers
• Greenlight

Products and services

• Personal Checking
• Personal Savings
• Health Savings Accounts
• Individual Retirement Accounts
• Personal Credit Cards
• Debit Cards
• Business Checking
• Business Savings
• Business Loans
• Treasury Management
• Business Credit Cards
• Mortgages
• Auto Loans
• Student Loans
• Personal Loans
• Digital Banking
• Credit Builder Program
• Greenlight Debit Card Program
• Investments
• Municipal Banking

Quantifiable outcome

• 95.2% of loans made within Southeastern Wisconsin
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature1 record

Partnerships

Nine partnerships are on record, tiered minor and core.

• GreenlightminorGTM or Marketing PartnerGreenlight is a debit card program for kids offered through Tri City National Bank, allowing parents to give children their own debit card with tools to learn about earning, saving, and spending wisely together. Over 6 million parents and kids use the platform.
• ReferLive (CustomerStream, LLC)minorGTM or Marketing PartnerReferLive provides the referral program technology platform for Tri City's Refer-a-Friend program, enabling customers to earn up to $500 per year in Visa Reward Cards for successful referrals.
• Wisconsin Women's Business Initiative Corporation (WWBIC)coreStrategic or Co-development PartnerTri City has donated over $100,000 to WWBIC to support their mission of fueling entrepreneurs' dreams and creating jobs in Southeastern Wisconsin. WWBIC invests in others through this partnership.
• Milwaukee County ZoocoreGTM or Marketing PartnerOver 30-year partnership providing financial support to the zoo. Tri City presents Family Free Days at the zoo and has been recognized as a 25-year Serengeti Circle Member.
• Northcott Neighborhood HouseminorGTM or Marketing PartnerTri City donated $2,500 and partnered with Northcott Neighborhood House for a coat drive benefiting community members in need.
• Hunger Task ForceminorGTM or Marketing PartnerTri City team members packaged 460 stock boxes at the Hunger Task Force, providing meals to home-bound senior citizens in Southeastern Wisconsin.
• Revitalize ProjectminorGTM or Marketing PartnerAnnual participation in the Revitalize Project's Block Build events, providing life-changing home repairs for deserving neighborhood residents in the community.
• VersitiminorGTM or Marketing PartnerPartnership with Versiti to host multiple blood drives throughout the year, supporting local patients in need of lifesaving donations.
• Credit Union TimesminorGTM or Marketing PartnerCo-host partner for the 'Anticipatory Banking Starts Here: A Practical Path Forward' webinar featuring industry leaders from Tri City National Bank and other credit unions discussing anticipatory banking strategies.

Scale indicators5 records

Recent moves13 records

Expansion highlights6 records

Direct peers

• UW Credit Union: Large Wisconsin-based credit union serving the broader Madison and Milwaukee metro areas with consumer and business banking products. Competes for the same household and SMB deposit/lending relationships in overlapping Wisconsin markets.
• PyraMax Bank: SE Wisconsin community bank headquartered in Greenfield with branch locations across the Milwaukee metro. Similar community-bank profile, size, and consumer/SMB product mix in overlapping geography.
• North Shore Bank: Wisconsin-based community bank with branch presence in the Milwaukee metro and surrounding counties. Comparable community-bank profile, branch-based distribution, and consumer/SMB product offering.
• WaterStone Bank: Wisconsin-based community bank (formerly Waukesha State Bank) operating in the greater Milwaukee metro with consumer and commercial lending. Closely comparable in scale, geographic footprint, and community-banking positioning to Tri City.
• Johnson Financial Group: Wisconsin-headquartered community bank and wealth management firm with comparable size and SE Wisconsin presence, serving both consumer and business banking customers. Directly comparable community-banking peer with similar product breadth and geographic focus.
• First Bank Financial Centre: Wisconsin community bank with consumer and commercial banking services in the Milwaukee metro. Directly comparable peer in the same SE Wisconsin market with similar relationship-banking model.

Broad incumbents

• Huntington National Bank: Midwest super-regional bank with consumer and commercial banking that competes for SMB and consumer relationships across the broader Midwest, including SE Wisconsin. Comparable regional-banking positioning and product breadth.
• Associated Bank: Largest Wisconsin-headquartered bank with deep SE Wisconsin branch presence, full commercial and consumer banking, mortgage, and wealth management. Overlaps Tri City's footprint with broader scale and product depth.
• BMO Harris Bank: Major super-regional bank with significant Milwaukee metro branch presence and full-service consumer/commercial banking. Competes with Tri City for primary banking relationships across overlapping SE Wisconsin geographies.
• Town Bank (Heartland Financial USA): Wisconsin community banking franchise now part of Heartland Financial USA (HTLF), with consumer/commercial banking in the Milwaukee metro. Comparable community-banking operations inside a larger super-community banking parent.

Market position

Weaknesses4 records

Competitive moat5 records

Customer concentration

• LinkedInlinkedin.com/company/tri-city-national-bank

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tri City National Bank