What is Tri Counties Bank's financial health grade?

Tri Counties Bank has a TFS Financial Health Grade of C (score: 75.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Tri Counties Bank have?

Tri Counties Bank has 77 branch locations across the United States.

Is Tri Counties Bank FDIC insured?

Yes, Tri Counties Bank is FDIC insured (Certificate #21943).

What are the total assets of Tri Counties Bank?

Tri Counties Bank has total assets of $9.8B as reported in its most recent FDIC filing.

Tri Counties Bank

BankChico, California

www.tcbk.com

Total Assets

$9.8B

Total Deposits

$8.3B

Branches

Established

1975

TFS Health Grade

75.8 / 100

Average financial health

How we grade

Tri Counties Bank is a bank headquartered in Chico, California, established in 1975. With $9.8B in total assets and 77 branch locations, it has a TFS Financial Health Grade of C (75.8/100).

Capital & Safety

Tier 1 Capital Ratio

11.78%(8%)

Total Capital Ratio

14.98%(10%)

Non-Performing Loan Ratio

0.90%

Profitability

Return on Assets (ROA)

1.27%(1%)

Return on Equity (ROE)

9.26%(10%)

Net Interest Margin

4.02%

Efficiency Ratio

55.89%(60%)

Lending & Liquidity

Total Loans

$7.1B

Loan-to-Deposit Ratio

84.50%

Net Charge-Off Ratio

0.14%

Growth

Asset Growth (YoY)

+1.54%

Deposit Growth (YoY)

+2.10%

Net Income

$124.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Tri Counties BankHQ	63 Constitution Dr	Chico	CA	11
Tri Counties Bank	2686 Gateway Dr	Anderson	CA	11
Tri Counties Bank	789 High St	Auburn	CA	11
Tri Counties Bank	5000 California Ave	Bakersfield	CA	11
Tri Counties Bank	11330 Ming Ave	Bakersfield	CA	11
Tri Counties Bank	4300 Coffee Rd Ste A6	Bakersfield	CA	11
Tri Counties Bank	2200 Sand Creek Rd	Brentwood	CA	12
Tri Counties Bank	37093 State Hwy 299e	Burney	CA	11
Tri Counties Bank	5780 Fleet St	Carlsbad	CA	24
Tri Counties Bank	211 W East Ave	Chico	CA	12
Tri Counties Bank	Fifth And Salem Streets	Chico	CA	27
Tri Counties Bank	2171 Pillsbury Rd	Chico	CA	11
Tri Counties Bank	2483 Notre Dame Blvd	Chico	CA	11
Tri Counties Bank	780 Mangrove Ave	Chico	CA	11
Tri Counties Bank	890 Fortress St	Chico	CA	13
Tri Counties Bank	305 Trinity Ave	Chowchilla	CA	11
Tri Counties Bank	600 Market St	Colusa	CA	11
Tri Counties Bank	3349 Main St	Cottonwood	CA	11
Tri Counties Bank	76405 Covelo Road	Covelo	CA	11
Tri Counties Bank	936 3rd St	Crescent City	CA	11
Tri Counties Bank	6600 Mission St	Daly City	CA	11
Tri Counties Bank	500 Woollomes Ave	Delano	CA	11
Tri Counties Bank	9411 Midway	Durham	CA	11
Tri Counties Bank	2844 F St	Eureka	CA	11
Tri Counties Bank	43308 Highway 299 East	Fall River Mills	CA	11
Tri Counties Bank	25065 Blue Ravine Rd	Folsom	CA	12
Tri Counties Bank	909 Main St	Fortuna	CA	11
Tri Counties Bank	7020 N Marks Ave	Fresno	CA	11
Tri Counties Bank	305 Neal St	Grass Valley	CA	11
Tri Counties Bank	709 Sutton Way	Grass Valley	CA	11
Tri Counties Bank	319 5th St	Gustine	CA	11
Tri Counties Bank	756 Main St	Half Moon Bay	CA	11
Tri Counties Bank	7061 State Highway 3	Hayfork	CA	11
Tri Counties Bank	2030 Main St	Irvine	CA	24
Tri Counties Bank	904 E St	Marysville	CA	11
Tri Counties Bank	1640 Central Ave	Mckinleyville	CA	11
Tri Counties Bank	21097 Calistoga Street	Middletown	CA	11
Tri Counties Bank	1551 El Camino Real	Millbrae	CA	11
Tri Counties Bank	3601 Pelandale Ave	Modesto	CA	12
Tri Counties Bank	204 Chestnut St	Mount Shasta	CA	11
Tri Counties Bank	305 Railroad Ave	Nevada City	CA	11
Tri Counties Bank	100 E Walker St	Orland	CA	11
Tri Counties Bank	1180 Oro Dam Blvd E	Oroville	CA	11
Tri Counties Bank	1450 Linda Mar Shopping Ctr	Pacifica	CA	11
Tri Counties Bank	9125 Deschutes Rd	Palo Cedro	CA	11
Tri Counties Bank	6848 Q Skyway	Paradise	CA	11
Tri Counties Bank	199 S Los Robles Ave Ste 820	Pasadena	CA	24
Tri Counties Bank	17 Plaza	Patterson	CA	11
Tri Counties Bank	239 Stage Road	Pescadero	CA	11
Tri Counties Bank	727 S Main St	Red Bluff	CA	12

Showing 50 of 77 branches

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.