TellerScore

Headquartered in Chico, California, Tri Counties Bank is a state-chartered bank with $9.9B in total assets and $8.4B in deposits as of Q2 2026. It operates 77 offices. Its charter dates back to 1975.

Tri Counties Bank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 58% of its 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 53rd. Problem-loan coverage contributes the most (90/100, 5.0%); funding & liquidity contributes the least (53/100, 86% loans-to-deposits, 34% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Tier 1 leverage ratio: 12.00%
Loan quality69/100
Noncurrent loans ÷ total loans: 0.94%
Earnings76/100
Return on assets (annualized): 1.40%
Funding & liquidity53/100
Loans ÷ deposits and uninsured-deposit share: 85.8% · 34.1% uninsured
Problem-loan coverage90/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.01%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 70).

TellerScore
697173Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202473
Q4 202472
Q1 202571
Q2 202570
Q3 202569
Q4 202569
Q1 202670
Q2 202670
Tier 1 leverage ratio
5.00%8.58%12.16%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.50%
Q3 202411.91%
Q4 202412.02%
Q1 202512.08%
Q2 202512.16%
Q3 202511.63%
Q4 202511.78%
Q1 202611.85%
Q2 202612.00%
Noncurrent loans
0.49%0.73%0.98%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.49%
Q3 20240.62%
Q4 20240.65%
Q1 20250.80%
Q2 20250.93%
Q3 20250.94%
Q4 20250.90%
Q1 20260.98%
Q2 20260.94%
Return on assets
1.14%1.27%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.22%
Q3 20241.23%
Q4 20241.23%
Q1 20251.14%
Q2 20251.16%
Q3 20251.22%
Q4 20251.27%
Q1 20261.39%
Q2 20261.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$9.9B12.00%0.94%1.40%85.8%
Q1 202670$9.9B11.85%0.98%1.39%82.6%
Q4 202569$9.8B11.78%0.90%1.27%84.5%
Q3 202569$9.9B11.63%0.94%1.22%82.6%
Q2 202570$9.9B12.16%0.93%1.16%81.5%
Q1 202571$9.8B12.08%0.80%1.14%81.5%
Q4 202472$9.7B12.02%0.65%1.23%82.0%
Q3 202473$9.8B11.91%0.62%1.23%81.5%
Q2 202473$9.7B11.50%0.49%1.22%82.1%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.00%
76th
Total risk-based capital14.94%
66th
Problem loans0.94%
28th
Net charge-offs0.03%
51st
Return on assets1.40%
63rd
Net interest margin4.16%
76th
Efficiency ratio54.4%
64th
Loans to deposits85.8%
53rd
Uninsured deposits34.1%
41st
Loan-loss reserves1.78%
93rd
Texas ratio5.0%
38th

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
First American Trust, FSBBank Santa Ana, CA67 out of 100, Moderate$9.2B7.9%0.00%vs
Poppy BankBank Santa Rosa, CA52 out of 100, Below average$8.3B9.7%1.89%vs
Hanmi BankBank Los Angeles, CA73 out of 100, Strong$8.0B11.7%0.15%vs
Preferred BankBank Los Angeles, CA58 out of 100, Moderate$7.7B10.6%1.57%vs
Mizrahi Tefahot Bank, Ltd.Bank Los Angeles, CA45 out of 100, Below average$7.4B0.0%0.12%vs
Smbc ManubankBank Los Angeles, CA54 out of 100, Below average$6.6B9.6%0.30%vs

Deposit insurance

Is my money safe at Tri Counties Bank?

Yes. Tri Counties Bank is an FDIC-insured institution (FDIC certificate #21943). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.1% of deposits ($2.9B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.00%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.94% (benchmark: 10%).

Check how much of your own balance is covered

77 locations

Branches

Tri Counties Bank lists 69 offices in 56 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Tri Counties Bank reported 2,342 home-loan applications under HMDA (LEI 549300W0YBCUV18HSR42): 1,317 originated ($460,195,000 total), 723 denied, and 231 withdrawn or closed by the applicant. Its denial rate on decided applications was 34.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Tri Counties Bank
Type
State-chartered bank
FDIC certificate #
21943
RSSD ID
100562
Primary regulator
FDIC
Holding company
Trico Bancshares
Established
March 11, 1975
Headquarters
63 Constitution Dr, Chico, CA 95973
Employees
1,115

Quick answers

Tri Counties Bank: common questions

Is Tri Counties Bank FDIC insured?

Yes. Tri Counties Bank is an FDIC-insured institution (FDIC certificate #21943). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Tri Counties Bank's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Tri Counties Bank ever failed?

There is no failure record for FDIC certificate #21943 in the FDIC failed bank list.

How many branches does Tri Counties Bank have?

77 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Chico

InstitutionScoreAssetsCapitalProblem loansCompare
First Northern Bank of DixonBank Dixon, CA74 out of 100, Strong$1.9B12.0%0.41%vs
Self-Help Federal Credit UnionCredit union Durham, NC73 out of 100, Strong$2.4B25.2%1.01%vs
Golden Valley BankBank Chico, CA72 out of 100, Strong$604.7M9.3%0.00%vs
Column National AssociationBank Salt Lake City, UT72 out of 100, Strong$1.8B8.4%0.06%vs
Banner BankBank Walla Walla, WA72 out of 100, Strong$16.6B11.2%0.46%vs
Five Star BankBank Roseville, CA68 out of 100, Moderate$5.4B10.3%0.30%vs