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Tri Counties Bank
Chico, CA · FDIC Certificate #21943 · Chartered 03/1
Total assets
$9.93B
Total deposits
$8.37B
Total equity
$1.38B
Net loans
$7.18B
Branches (offices)
70
Net income (YTD)
$69.29M
Rank: #162 of 4,213 U.S. banks by assets · #11 of 115 in California. Assets changed 0.1% and deposits -0.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.40% |
| Return on equity | 10.14% |
| Net interest margin (YTD) | 4.16% |
| Equity to assets | 13.90% |
| Tier 1 leverage ratio | 12.00% |
| Uninsured deposits (share of deposits) | 34.1% |
| Noncurrent loans (share of loans) | 0.94% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 85.8% |
| Real estate loans (share of loans) | 91.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $6.57B | 91.5% | |
| Commercial & industrial | $460.50M | 6.4% | |
| Consumer / individual | $30.96M | 0.4% | |
| Construction & development | $298.39M | 4.2% | |
| Agricultural | $146.19M | 2.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $10.12B | $8.76B | $53.06M | $1.13B |
| Jun 2023 | $9.85B | $8.10B | $63.48M | $1.19B |
| Jun 2024 | $9.74B | $8.06B | $59.78M | $1.26B |
| Jun 2025 | $9.92B | $8.38B | $56.78M | $1.36B |
| Jun 2026 | $9.93B | $8.37B | $69.29M | $1.38B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $8.37B | 70 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $8.37B.
Similar-sized banks
S&T Bank ($9.94B) · Byline Bank ($9.91B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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