Tri Counties Bank
Chico, California, Butte County
$9.9B in total assets, the 167th largest of 4,309 US banks and 11th of 120 headquartered in California.
- FDIC certificate
- 21943
- Established
- 1975
- Owned by
- Trico Bancshares
- Primary regulator
- FDIC
- Website
- www.tcbk.com
At a glance
Compared with 51 banks headquartered in California with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $9.9B | 98% | $2.7B | |
| Loans | $7.3B | 98% | $1.8B | |
| Deposits | $8.4B | 98% | $2.3B | |
| Return on assets | 1.38% | 67% | 1.21% | |
| Net interest margin | 4.16% | 76% | 3.80% | |
| Efficiency ratio | 54.4% | 51% | 53.5% | |
| Equity to assets | 13.90% | 82% | 11.31% | |
| Loans to deposits | 87% | 46% | 90% |
Growth
Total assets grew 4.0% a year over the last 5 years and 8.6% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Mar 2022 | Valley Republic Bank Bakersfield, CA | $1.4B |
| Jul 2018 | First National Bank of Northern California Daly City, CA | $1.3B |
| Oct 2014 | North Valley Bank Redding, CA | $922M |
| Sep 2011 | Citizens Bank of Northern California Nevada City, CA | $289M |
| May 2010 | Granite Community Bank, N.A. Granite Bay, CA | $103M |
| Apr 2003 | North State National Bank Chico, CA | $142M |
| Oct 1996 | Sutter Buttes Savings Bank, F.S.B. Yuba City, CA | $66M |
| Jul 1994 | Country National Bank Redding, CA | $60M |
| Mar 1981 | Shasta County Bank Redding, CA | n/a |
Where they operate
70 branches in 27 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Butte County, CA | $1.3B | 18.8% | 2 of 13 |
| Kern County, CA | $1.1B | 9.5% | 4 of 15 |
| Shasta County, CA | $1.1B | 23.8% | 1 of 11 |
| San Mateo County, CA | $905M | 2.3% | 8 of 30 |
| Placer County, CA | $385M | 2.7% | 8 of 26 |
| Glenn County, CA | $323M | 50.2% | 1 of 4 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (69 to 70, +1.4%). 10 opened, 16 acquired, 25 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 69 | |||
| 2016 | Opened 4 in CaliforniaClosed 3 in California | 4 | 3 | +1 | 70 |
| 2017 | Opened Roseville and SacramentoClosed 4 in California | 2 | 4 | −2 | 68 |
| 2018 | Acquired First National Bank of Northern CaliforniaOpened Santa Rosa, closed Santa Rosa | 13 | 1 | +12 | 80 |
| 2019 | Closed Elk Grove and Redding | 0 | 2 | −2 | 78 |
| 2020 | Closed 3 in California | 0 | 3 | −3 | 75 |
| 2021 | Opened VisaliaClosed 6 in California | 1 | 6 | −5 | 70 |
| 2022 | Acquired Valley Republic BankOpened Sacramento, closed 3 in California | 5 | 3 | +2 | 72 |
| 2023 | Closed Yuba City | 0 | 1 | −1 | 71 |
| 2024 | Closed San Francisco | 0 | 1 | −1 | 70 |
| 2025 | Opened San FranciscoClosed San Francisco | 1 | 1 | 0 | 70 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 49% | 47% | |
| 1-4 family residential | 17% | 14% | |
| Multifamily | 16% | 13% | |
| Business (C&I) | 6% | 15% | |
| Construction and land | 4% | 3% | |
| Farmland | 3% | 2% | |
| Agricultural | 2% | 1% | |
| Consumer | 0% | 2% | |
| Other | 1% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 55% | 48% | |
| Noninterest-bearing | 31% | 29% | |
| Time deposits | 14% | 23% |
Brokered deposits are 0.0% of deposits (peers 4.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.92% | 0.43% |
| Net charge-offs, annualized | 0.03% | 0.06% |
| Reserves to loans | 1.78% | 1.25% |
| Leverage ratio | 12.00% | 11.65% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in California
Largest competitors in Butte County, CA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/tri-counties