TRI COUNTIES BANK

CHICO, CA | Large | Est. March 11, 1975, midnight | FDIC #21943 | RSSD #100562 | FDIC
Latest Report: 2025-12-31

TRI COUNTIES BANK is aln large FDIC-insured commercial bank headquartered in CHICO, CA, established in March 11, 1975, midnight. As of 2025-12-31, the bank reported total assets of $9.8B and total deposits of $8.3B. Profitability stands at 1.39% ROA and 10.17% ROE, with a net interest margin of 4.10%. The bank's CET1 capital ratio is 13.72%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.90% and a Texas Ratio of 4.73%. FDIC Certificate #21943.

Assets

$9.8B

Deposits

$8.3B

Loans

$7.1B

Equity

$1.4B

Profitability

Return on Assets (ROA) 1.39%
Return on Equity (ROE) 10.17%
Net Interest Margin (NIM) 4.10%
Yield on Assets 5.30%
Cost of Funds 1.92%

Asset Quality

NPL Ratio 0.90%
Net Charge-Off Ratio 0.14%
Texas Ratio 4.73%
NPA Ratio 0.72%
ACL / Loans 1.77%

Capital & Liquidity

CET1 Ratio 13.72%
Tier 1 Capital 13.72%
Total Capital Ratio 14.98%
Leverage Ratio 11.78%
Loan-to-Deposit 86.02%

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