Tri Counties Bank

What sets Tri Counties Bank apart

How large is Tri Counties Bank?

The balance sheet of Tri Counties Bank at Q2 2026: assets $9.9 bn, deposits $8.4 bn, net loans $7.2 bn (loans equal to 85.79% of deposits). Securities make up 17.9% of total assets at Tri Counties Bank. Since Q1 2016, when Tri Counties Bank held $4.4 bn, its assets grew 126.0%. In the year to Q2 2026, deposits at Tri Counties Bank fell 0.1% while its total assets rose 0.1%. At Q2 2026, Tri Counties Bank employed 1,115 full-time equivalent staff across 77 offices, about $8.9 mn of assets per employee and $108.7 mn of deposits per office.

How much funding at Tri Counties Bank is uninsured?

At Tri Counties Bank, uninsured deposits (above the FDIC limit) made up 34.12% of domestic deposits at Q2 2026 (+0.78 pp on a year earlier); Tri Counties Bank ranks 255th of 500 on this measure. In dollars, Tri Counties Bank estimated $2.9 bn of uninsured deposits.

Key facts, Q2 2026

US rank of Tri Counties Bank: 1 = highest unless marked 1 = lowest.

The CET1 ratio of Tri Counties Bank stood at 13.69% in Q2 2026, -0.57 pp year on year. Low and high at Tri Counties Bank since Q1 2016: 12.61% (Q3 2022) to 14.48% (Q1 2025). Equity capital of Tri Counties Bank at Q2 2026: $1.4 bn, or 13.9% of total assets. Tri Counties Bank also reported a total capital ratio of 14.94% for Q2 2026, and a tier 1 leverage ratio of 12.00%.

On held-to-maturity securities, Tri Counties Bank carried an unrealized loss of $4.1 mn at Q2 2026, equal to 0.3% of equity capital. The loss narrowed by $624,000 over the year. Its deepest point: $15.0 mn in Q3 2023. The available-for-sale portfolio of Tri Counties Bank showed an unrealized loss of $161.7 mn at Q2 2026; the loss narrowed by $27.8 mn over the year.

For the year to Q2 2026, Tri Counties Bank earned a return on equity of 10.14%; return on assets: 1.40%. Net interest margin at Tri Counties Bank: 4.16%, +0.26 pp in a year. Tri Counties Bank net income: $69.3 mn, up 22.0% year on year. The efficiency ratio of Tri Counties Bank was 54.38%: about 54 cents cost per revenue dollar, against 50 cents at the median peer.

At Q2 2026, noncurrent loans were 0.94% of total loans at Tri Counties Bank; net charge-offs: 0.03% of average loans. Gross loans and leases at Tri Counties Bank: $7.3 bn, up 5.1% in a year.

The peer group of Tri Counties Bank is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 3 share the charter type of Tri Counties Bank (state nonmember bank), 4 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in California. Against them, Tri Counties Bank shows CET1 ratio 13.69% against a peer median of 14.00%, return on equity 10.14% against a peer median of 11.31% and uninsured deposit share 34.12% against a peer median of 38.01%.

The FDIC history of Tri Counties Bank, oldest first; figures before and after each event are not like for like.

1. 6 July 2018. Absorbed First National Bank of Northern California (FDIC certificate 18767).
2. 25 March 2022. Absorbed Valley Republic Bank (FDIC certificate 58828).

Large one-quarter moves at Tri Counties Bank

• Total assets at Tri Counties Bank changed by +29.9% in the quarter to 2018-09-30: Absorbtion - Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from First National Bank of Northern California.