Tri Counties Bank
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Data as of · sourced from FFIEC call reports. How we update
Tri Counties Bank is an FDIC-insured commercial bank headquartered in Chico, CA, established in 1975 (FDIC certificate 21943), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $9.93B, up 0.1% from Q2 2025, the 11th largest of 113 banks headquartered in California. Its CET1 capital ratio was 13.69% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 21943
- Headquarters
- Chico, CA
- Established
- 1975
- Total assets, Q2 2026
- $9.93B
- Assets vs Q2 2025
- +0.1%
- CET1 ratio, Q2 2026
- 13.69%
- Domestic offices
- 77 FDIC institution directory, current count
- Routing number
- 121135045
- Holding company
- TRICO BANCSHARES
- Asset rank in state
- 11th of 113 in California
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%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Tri Counties Bank is the 11th largest of the 113 banks headquartered in California. From Q1 2026 to Q2 2026, its total assets fell 0.2% to $9.93B, loans rose 3.4% and deposits fell 0.4%. Non-owner-occupied commercial real estate loans made up 35.2% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 17.2%. The FDIC Summary of Deposits lists 70 offices for it, in 56 cities in CA; its Bakersfield 3 offices book 12% of its branch deposits. On its Q2 2026 call report, Tri Counties Bank meets every capital ratio test for well capitalized.
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
- Domestic offices
- 77 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Tri Counties Bank's total assets ran between $9.67B (Q4 2024) and $9.95B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$9.93B total assets against $9.92B; $8.55B total liabilities against $8.56B.
$7.18B net loans and leases against $6.84B; $8.37B total deposits against $8.38B.
$1.78B securities against $1.92B; $104.8M cash and balances due against $314.2M.
$121.0M total interest income against $116.4M; $26.7M total interest expense against $28.1M.
$94.3M net interest income against $88.2M.
$18.3M total noninterest income against $17.1M; $62.5M total noninterest expense against $60.7M.
$2.7M provision for credit losses against $4.7M.
$35.0M net income against $29.0M.
1.39% return on assets against 1.17%; 4.06% net interest margin against 3.86%.
13.69% CET1 capital ratio against 14.26%; 12.00% tier 1 leverage ratio against 12.16%.
Inside the full Tri Counties Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 158 of 4,196, for total assets; its furthest is 1,197 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.12% (Q1 2025) to 1.39% (Q2 2026) and its net interest margin ran from 3.67% (Q1 2025) to 4.06% (Q2 2026).
| 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
View all 70 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in CA, rank 24 of 164 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.
- Not on file
- Enforcement actions, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Tri Counties Bank headquartered?
It is headquartered in Chico, CA, United States.
When was Tri Counties Bank founded?
It was established in 1975, per the FDIC institution directory.
Is Tri Counties Bank FDIC-insured?
Yes. It 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.
What is Tri Counties Bank's CET1 capital ratio?
It 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?
It 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?
Its Texas Ratio is 6.14% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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