Tri Counties Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Tri Counties Bank, based in Chico, California, reported $9.9 billion in assets at June 30, 2026. It pays an average of 1.27% on its deposits and borrowings, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also lost 0.1% of its deposits over the year, lower than about three-quarters of banks its size (median 5.1%).
Net income for the quarter rose 20% from a year earlier, to $35 million. Over the same year, loans grew 5.1% and deposits shrank 0.1%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.1 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Tri Counties Bank reported a CET1 capital ratio of 13.69%, a return on assets of 1.39%, a nonperforming-loan ratio of 0.94% and a Texas ratio of 6.14%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 63 Constitution Dr, Chico, CA 95973
- County
- Butte
- Metro Area
- Chico, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- March 11, 1975
- Offices
- 77 domestic
- Employees (FTE)
- 1,115
- Domestic deposits
- $8.37B
- Allowance for credit losses
- $130.2M
- Net charge-offs (YTD)
- $1.1M
- Average total assets
- $10.08B
- Average total loans
- $7.17B
- Average interest-bearing deposits
- $5.83B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- March 11, 1975
- FDIC Cert
- 21943
- Fed RSSD
- 100562
- SEC CIK
- 356171 → filed by TRICO BANCSHARES
- Website
- www.tcbk.com →
- Parent Holding Company
- TRICO BANCSHARES (RSSD 1030170) · TCBK
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Richard P Smith | CEO | CEO & President |
| Peter G Wiese | CFO | EVP Chief Financial Officer |
| John Fleshood | COO | EVP Chief Operating Officer |
| Craig B Carney | CCO | EVP Chief Credit Officer |
| Levingston Jason Todd | CIO | Chief Information Officer |
| Rudd Angela Tamara | CRO | Chief Risk Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Tri Counties Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Tri Counties Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Tri Counties Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.69% | 1.39% | 0.94% | 6.14% | 4.06% |
| Q1 2026 | 13.75% | 1.37% | 0.98% | 6.35% | 3.99% |
| Q4 2025 | 13.72% | 1.37% | 0.90% | 5.83% | 4.02% |
| Q3 2025 | 13.77% | 1.33% | 0.94% | 6.08% | 3.92% |
| Q2 2025 | 14.26% | 1.17% | 0.93% | 5.66% | 3.86% |
| Q1 2025 | 14.48% | 1.12% | 0.80% | 4.86% | 3.67% |
| Q4 2024 | 14.34% | 1.24% | 0.65% | 4.10% | 3.78% |
| Q3 2024 | 14.21% | 1.25% | 0.62% | 3.82% | 3.73% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 70 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bakersfield Main Branch | Bakersfield , CA | 93309 | $684.1M |
| Chico Park Plaza Branch | Chico , CA | 95926 | $568.6M |
| Yuba City Branch | Yuba City , CA | 95993 | $277.4M |
| South San Francisco Branch | South San Francisco , CA | 94080 | $241.5M |
| Willows Branch | Willows , CA | 95988 | $205.8M |
| Roseville Corporate Center | Roseville , CA | 95661 | $205.2M |
| Bakersfield Grand Island Village Branch | Bakersfield , CA | 93311 | $203.5M |
| Redding South Street Branch | Redding , CA | 96001 | $192.1M |
| Colusa Branch | Colusa , CA | 95932 | $191.8M |
| Chico Pillsbury Branch | Chico , CA | 95926 | $180.6M |
| Chowchilla Branch | Chowchilla , CA | 93610 | $175.1M |
| Sf West Portal Branch | San Francisco , CA | 94127 | $172.9M |
| Sacramento Downtown Branch | Sacramento , CA | 95814 | $168.3M |
| Redding Hilltop Branch | Redding , CA | 96003 | $165.1M |
| Oroville Branch | Oroville , CA | 95965 | $152.8M |
| Bakersfield Riverlakes Branch | Bakersfield , CA | 93308 | $151.5M |
| Daly City Branch | Daly City , CA | 94014 | $144.6M |
| Redding Cypress Branch | Redding , CA | 96002 | $142.7M |
| Pacifica Branch | Pacifica , CA | 94044 | $138.4M |
| San Francisco Downtown Branch | San Francisco , CA | 94104 | $137.6M |
| Durham Branch | Durham , CA | 95938 | $127.1M |
| Palo Cedro Branch | Palo Cedro , CA | 96073 | $125.5M |
| Paradise | Paradise , CA | 95969 | $123.7M |
| Henderson Center Branch | Eureka , CA | 95501 | $120.8M |
| Mckinleyville Office | Mckinleyville , CA | 95519 | $118.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 26, 2022 | Structure Change | Acquired Valley Republic Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 25, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 7, 2018 | Structure Change | Acquired First National Bank of Northern California Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 6, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 4, 2014 | Structure Change | Acquired North Valley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 3, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 24, 2011 | Structure Change | Acquired Citizens Bank of Northern California Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 23, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| May 29, 2010 | Structure Change | Acquired Granite Community Bank, N.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 28, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| April 5, 2003 | Structure Change | Acquired North State National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 4, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 17, 1996 | Structure Change | Acquired Sutter Buttes Savings Bank, FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 16, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 22, 1994 | Structure Change | Acquired Country National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 21, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 27, 1981 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 27, 1981 | Structure Change | Acquired Shasta County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 18 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Tri Counties Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in CA, rank 24 of 171 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,466 applications, 1,317 loans originated, $460.2M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $1.9M approved, $645K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 2 complaints in the last 2 full quarters. Raw counts, not adjusted for size
- Period: 2015-Q3 to 2018-Q4. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Tri Counties Bank
What are Tri Counties Bank's total assets?
As of the Q2 2026 filing, Tri Counties Bank reported total assets of $9.93 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Tri Counties Bank headquartered?
Tri Counties Bank is headquartered in Chico, CA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Tri Counties Bank founded?
Tri Counties Bank was established in 1975, per the FDIC institution directory.
Is Tri Counties Bank FDIC-insured?
Yes. Tri Counties Bank is an FDIC-insured commercial bank (FDIC Certificate #21943). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Tri Counties Bank?
Tri Counties Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Tri Counties Bank's CET1 capital ratio?
Tri Counties Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.69% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Tri Counties Bank operate?
Tri Counties Bank operates 77 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Tri Counties Bank's Texas Ratio?
Tri Counties Bank's Texas Ratio is 6.14% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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