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Tri Counties Bank

$1B-$10B Specialty: Commercial CA FDIC cert 21943

Chico, CA

76 branches across CA

884 banks in the $1B-$10B peer group nationally 49 in CA
View $1B-$10B leaderboard (CA) →

Tri Counties Bank has 2 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.30% above tier average
  • + Efficiency Ratio 7.47% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 19.3% in tier
Get updates when Tri Counties Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $9.9B
+1.3% YoY +1.3% QoQ
+$7.1B $2.8B
-0.1% YoY
$4.7B
+7.7% YoY
$6.2B
+9.1% YoY
Top 0.1% in tier
Total Loans ? $6.9B
+3.7% YoY -0.6% QoQ
+$5.0B $2.0B
+0.6% YoY
$3.2B
+8.4% YoY
$3.2B
+10.8% YoY
Top 1.1% in tier
Total Deposits ? $8.4B
+2.4% YoY +1.7% QoQ
+$6.1B $2.3B
-0.3% YoY
$3.9B
+7.0% YoY
$4.8B
+8.2% YoY
Top 0.3% in tier
Return on Assets ? 1.39%
+21.9% YoY +9.7% QoQ
+0.02% 1.37%
+19.6% YoY
1.80%
+29.4% YoY
1.23%
+13.4% YoY
63%
Net Interest Margin ? 4.11%
+7.2% YoY +2.3% QoQ
+0.30% 3.82%
+6.9% YoY
3.85%
+3.8% YoY
3.89%
+5.7% YoY
76%
Efficiency Ratio ? 53.59%
-7.5% YoY -4.1% QoQ
-7.47% 61.06%
-4.6% YoY
68.78%
-8.1% YoY
66.95%
-4.1% YoY
68%
Delinquency Rate ? 1.00%
+22.1% YoY +8.8% QoQ
+0.11% 0.89%
+14.1% YoY
1.17%
+69.3% YoY
0.95%
+18.8% YoY
27%
Loan-to-Deposit Ratio ? 82.59%
+1.3% YoY -2.3% QoQ
-1.62% 84.20%
+0.3% YoY
85.13%
+2.0% YoY
76.70%
+0.9% YoY
60%
Non-Interest-Bearing Deposit Share ? 30.49%
-1.6% YoY -3.0% QoQ
+9.20% 21.29%
-2.5% YoY
25.15%
-3.9% YoY
22.01%
-1.2% YoY
85%
Nonperforming Asset Ratio ? 0.77%
+31.1% YoY +7.1% QoQ
+0.09% 0.67%
+15.6% YoY
0.91%
+65.9% YoY
0.67%
+19.3% YoY
29%
Tier 1 Capital Ratio ? 13.75%
-5.1% YoY +0.2% QoQ
-1.41% 15.16%
+2.0% YoY
21.08%
-3.4% YoY
17.06%
+0.8% YoY
59%
Non-Interest Income / Assets ? 0.17%
-1.6% YoY -75.5% QoQ
-0.09% 0.26%
+1.6% YoY
0.70%
+11.6% YoY
0.32%
+4.1% YoY
61%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk
#82 of 420 • Bottom 19.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (5 metrics)

1
Total Assets
size
Value: $9.95B
Peer Median: $2.82B
#1 of 884 Top 0.1% in $1B-$10B
4
Total Deposits
size
Value: $8.41B
Peer Median: $2.34B
#4 of 884 Top 0.3% in $1B-$10B
11
Total Loans
size
Value: $6.94B
Peer Median: $1.96B
#11 of 884 Top 1.1% in $1B-$10B
135
Non-Interest-Bearing Deposit Share
funding
Value: 30.49%
Peer Median: 21.29%
#135 of 884 Top 15.2% in $1B-$10B
209
Net Interest Margin
profitability
Value: 4.11%
Peer Median: 3.82%
#209 of 884 Top 23.5% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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