Tri Counties Bank
Chico, CA · Cert 21943 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Trico Bancshares
State charter, non-member · FDIC · 70 branches
Q2 2026
$9.9BAssets
$7.3BLoans
$8.4BDeposits
$1.4BEquity
Executive Summary
- Strongest standing: equity / assets outperforms 90% of banks $1B-$10B in assets operating in a single state (rank 25 of 258).
- Widest gap: nonperforming loans / loans trails 76% of banks $1B-$10B in assets operating in a single state (rank 198 of 258).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.40%
Rank 87 of 258
Net Interest Margin
3.81%
Rank 73 of 258
Efficiency Ratio
54.76%
Rank 85 of 257
Equity / Assets
13.90%
Rank 25 of 258
Non-interest income vs. expense
Unfavorable gap of $172.0M · efficiency ratio beats 67% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.40% | 0.93% | 1.23% | 1.54% | Beats 66% | 87 / 258 | | |
| Return on Equity | 10.04% | 9.26% | 11.84% | 14.74% | Beats 34% | 171 / 258 | | |
| Net Interest Margin | 3.81% | 3.16% | 3.49% | 3.88% | Beats 72% | 73 / 258 | | |
| Efficiency Ratio | 54.76% | 51.71% | 60.30% | 69.65% | Beats 67% | 85 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.94% | 0.19% | 0.46% | 0.90% | Beats 24% | 198 / 258 | | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 53% | 121 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 13.69% | 11.41% | 12.98% | 15.12% | Beats 61% | 101 / 258 | | |
| Total Risk-Based Capital Ratio | 14.94% | 12.10% | 13.91% | 16.08% | Beats 63% | 95 / 258 | | |
| Equity / Assets | 13.90% | 9.09% | 10.24% | 11.72% | Beats 90% | 25 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.34% | 73.24% | 86.34% | 95.95% | 55th pctl | 117 / 258 | | |
| Loans / Assets | 73.65% | 63.01% | 72.27% | 78.40% | 55th pctl | 116 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |