TellerScore

Side-by-side · Q2 2026 data

Tri Counties Bank vs Five Star Bank

Bank

Tri Counties Bank

Chico, California · $1 billion – $10 billion

70of 100
Strong

Bank

Five Star Bank

Roseville, California · $1 billion – $10 billion

68of 100
Moderate

Metric by metric

MeasureTri Counties BankFive Star Bank
TellerScore70 (stronger)68
Capital cushion70 (stronger)53
Loan quality6990 (stronger)
Earnings7685 (stronger)
Funding & liquidity53 (stronger)18
Problem-loan coverage9095 (stronger)
Peer percentile58th49th
Total assets$9.9B$5.4B
Deposits / shares$8.4B$4.8B
Capital ratio12.00% (stronger)10.25%
Problem loans0.94%0.30% (stronger)
Net charge-offs0.03% (stronger)0.08%
Return on assets1.40%1.62% (stronger)
Loans ÷ deposits85.8% (stronger)93.0%
Uninsured deposits34.1% (stronger)59.2%
Offices6910
CFPB complaints (3 yrs)——
Complaints per $1B deposits——
Mortgage denial rate (HMDA)34.2%1.7%

Tri Counties Bank has the higher TellerScore (70 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Tri Counties Bank leads on 5 and Five Star Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.

Where both have branches

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