Tri Counties Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 4.32 percentage points in Q2 2026, from 181.99% to 186.31%. It was the largest change from Q1 2026 among the key lines here. Within California, Tri Counties Bank is 31st of 114 on return on assets, 1.39% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Tri Counties Bank sits 0.11 points higher, at 1.39% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.69% |
| Tier 1 risk-based capital ratio | 13.69% |
| Total risk-based capital ratio | 14.94% |
| Tier 1 leverage ratio | 12.00% |
| Equity capital to assets | 13.90% |
| Tangible equity to tangible assets | 11.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.96% |
| Non-performing assets ratio | 0.77% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 6.38% |
| Allowance for credit losses to loans | 1.78% |
| Reserve coverage of non-performing loans | 186.31% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.39% |
| Return on equity | 10.21% |
| Net interest margin | 4.06% |
| Efficiency ratio | 54.96% |
| Yield on earning assets | 5.20% |
| Cost of funds | 1.27% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.34% |
| Core deposits to total deposits | 93.98% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.33% |
| Securities to assets | 17.92% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.19% | 13.19% | 14.44% | 10.98% | 1.27% |
| Q4 2023 | 13.41% | 13.41% | 14.66% | 11.12% | 1.09% |
| Q1 2024 | 13.59% | 13.59% | 14.85% | 11.34% | 1.16% |
| Q2 2024 | 13.81% | 13.81% | 15.06% | 11.50% | 1.23% |
| Q3 2024 | 14.21% | 14.21% | 15.47% | 11.91% | 1.25% |
| Q4 2024 | 14.34% | 14.34% | 15.60% | 12.02% | 1.24% |
| Q1 2025 | 14.48% | 14.48% | 15.74% | 12.08% | 1.12% |
| Q2 2025 | 14.26% | 14.26% | 15.52% | 12.16% | 1.17% |
| Q3 2025 | 13.77% | 13.77% | 15.02% | 11.63% | 1.33% |
| Q4 2025 | 13.72% | 13.72% | 14.98% | 11.78% | 1.37% |
| Q1 2026 | 13.75% | 13.75% | 15.01% | 11.85% | 1.37% |
| Q2 2026 | 13.69% | 13.69% | 14.94% | 12.00% | 1.39% |
Tri Counties Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Tri Counties Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Tri Counties Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 21943) · FFIEC NIC profile (RSSD 100562)