Tri Counties Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Tri Counties Bank of Chico, CA against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.39% | 1.46% | -0.07% | 59th above |
| ROAE | 10.21% | 12.70% | -2.49% | 34th below |
| Net Interest Margin | 4.06% | 3.85% | +0.21% | 72nd above |
| Efficiency Ratio | 54.96% | 57.41% | -2.45% | 61st above |
| PPNR / Avg Assets | 1.99% | 1.88% | +0.11% | 68th above |
| Yield on Earning Assets | 5.20% | 5.72% | -0.52% | 30th below |
| Cost of Funds | 1.27% | 2.02% | -0.75% | 88th top |
| Net Interest Spread | 3.37% | 3.18% | +0.19% | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.96% | 1.00% | -0.04% | 33rd below |
| NPA / Total Assets | 0.77% | 0.76% | +0.01% | 33rd below |
| NCO / Avg Loans | 0.02% | 0.43% | -0.41% | 55th above |
| ACL / Total Loans | 1.78% | 1.31% | +0.47% | 93rd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 186.31% | 565.85% | -379.54% | 52nd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.38% | 7.39% | -1.01% | 38th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 491.59% | 619.12% | -127.53% | 76th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.69% | 17.35% | -3.66% | 54th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.69% | 17.38% | -3.69% | 53rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 14.94% | 18.43% | -3.49% | 55th above |
| Leverage Ratio | 12.00% | 11.43% | +0.57% | 76th top |
| Equity / Assets | 13.90% | 11.33% | +2.57% | 89th top |
| TCE / Tangible Assets | 11.14% | 10.50% | +0.64% | 73rd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 87.34% | 86.95% | +0.39% | 52nd above |
| Core Deposit Ratio | 93.98% | 85.52% | +8.46% | 79th top |
| Uninsured Deposit Ratio | 34.12% | 33.12% | +1.00% | 41st below |
| Wholesale Funding Ratio | 0.11% | 5.73% | -5.62% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.07% | 9.72% | -9.65% | 16th bottom |
| Loan Growth (Y/Y) | 5.06% | 8.07% | -3.01% | 47th below |
| Deposit Growth (Y/Y) | -0.14% | 7.91% | -8.05% | 18th bottom |
See Tri Counties Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Tri Counties Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Tri Counties Bank profile, how to read a UBPR, or how this data updates.