BanksTRI COUNTIES BANK

TRI COUNTIES BANK

CHICO, CALargeEst. March 11, 1975, midnightFDIC #21943RSSD #100562FDIC
Latest · 2025-12-31

TRI COUNTIES BANK is an 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%. CET1 capital ratio: 13.72%, well above regulatory minimums. NPL ratio: 0.90% · Texas Ratio: 4.73%. Operates 70 domestic branches.

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 Margin4.10%
Yield on Assets5.30%
Cost of Funds1.31%

Asset Quality

NPL Ratio0.90%
Net Charge-Off Ratio0.14%
Texas Ratio4.73%
NPA Ratio0.72%
ACL / Loans1.77%

Capital & Liquidity

CET1 Ratio13.72%
Tier 1 Capital13.72%
Total Capital Ratio14.98%
Leverage Ratio11.78%
Loan-to-Deposit86.02%

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