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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

Tri Counties Bank

Chico, California · $9.93B in assets · beside the 11 other California banks between $3B and $10B

The filing

13.9%
Equity / assets
1st of 11
55.1%
CRE / loans
9th of 11
54.8%
Efficiency
9th of 11

Tri Counties Bank is the largest of the 12 California banks nearest its size between $3B and $10B, with $9.93B in assets at 30 June 2026. Loans are 87.3% of deposits, 7th of 12 against a median of 86.5%, and equity is 13.9% of assets, the highest in the cohort. Loans grew +5.1% in the year, 5th of 11, and deposits fell 0.1%; the cohort's median loan growth is +3.1%.

Noncurrent loans are 0.94% of the book, 8th of 11 against a median of 0.30%; 0.34% is 30 to 89 days past due, and the allowance covers them 1.9 times. Commercial real estate is 55.1% of loans, 9th of 11 against a median of 47.4%, and 315% of capital, above the 300% screen, with construction at 23% against the 100% screen.

Return on assets is 1.38%, 4th of 11 against a median of 1.32%, on an efficiency ratio of 54.8%, 9th of 11. Five years ago it was 1.56%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 14.2% of loans).

Equity as a share of assetsCA banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 10.5% TC Tri Counties Bank 13.9% CB CTBC Bank Corp. USA 13.4% FM Farmers & Merchants Bank Central California 11.8% SM SMBC Manubank 11.5% HB Hanmi Bank 11.2% WB Westamerica Bank 10.5% PB Preferred Bank 10.3% RC River City Bank 9.4% PB Poppy Bank 8.9% FB Fremont Bank 7.8% FA First American Trust FSB 5.6%
Loans, year over yearCA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.1% MT Mizrahi Tefahot Bank LTD +56.9% PB Poppy Bank +10.8% PB Preferred Bank +9.3% RC River City Bank +7.3% TC Tri Counties Bank +5.1% FB Fremont Bank +3.1% HB Hanmi Bank +3.1% CB CTBC Bank Corp. USA +2.2% FM Farmers & Merchants Bank Central California +2.2% WB Westamerica Bank -10.6% SM SMBC Manubank -40.2%

SBA 7(a), FY2008 to FY2026

Tri Counties Bank is the 95th largest 7(a) lender into California of 512, with $101M across 336 loans, 0.2% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 35 of its 37 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Sacramento, CA$20M26th of 1700.9%quiet FY2021
Butte, CA$13M2nd of 766.5%+1.0 pts
Sonoma, CA$9M20th of 1121.0%quiet FY2018
Yolo, CA$7M14th of 912.0%quiet FY2020
Stanislaus, CA$6M22nd of 1051.0%quiet FY2021
Shasta, CA$5M13th of 621.8%quiet FY2022
El Dorado, CA$5M22nd of 1011.4%quiet FY2016
Mendocino, CA$5M11th of 463.4%quiet FY2018
Nevada, CA$5M12th of 592.9%quiet FY2019
Placer, CA$4M45th of 1220.5%quiet FY2022
San Mateo, CA$3M51st of 1290.3%quiet FY2014
San Francisco, CA$3M72nd of 1400.2%quiet FY2020
Curry, OR$3M5th of 325.4%quiet FY2013
24 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services35$21M20.2%0.03%377th of 2,596
Retail trade33$12M12.0%0.02%430th of 2,589
Manufacturing36$12M11.9%0.03%403rd of 2,246
Construction47$12M11.3%0.04%333rd of 2,063
Transportation & warehousing79$8M7.7%0.06%240th of 1,563
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Tri Counties Bank
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans TC Tri Counties Bank 0.2% $101M · 336 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Tri Counties BankRankCohort median
Total CRE against capital, the 300% screen315%7th of 11217%
Construction against capital, the 100% screen23%8th of 1116%
Construction and land development, share of loans4.1%8th of 112.2%
Non-owner-occupied nonfarm nonresidential, share of loans35.2%6th of 1032.2%
Total CRE, the guidance definition, share of loans55.1%9th of 1147.4%
CRE growth over 36 months, the third prong+19.5%8th of 11+5.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Tri Counties Bank$9.93B1.4%54.8%0.94%0.03%1.8%87.3%13.9%
First American Trust FSB$9.23B1.4%32.8%no recordno recordno record0.0%5.6%
Poppy Bank$8.32B1.3%43.2%1.89%0.38%1.4%92.8%8.9%
Hanmi Bank$7.95B1.3%51.1%0.15%0.12%1.1%94.1%11.2%
Preferred Bank$7.73B1.7%33.0%1.57%0.17%1.2%97.0%10.3%
Mizrahi Tefahot Bank LTD$7.39Bno recordno record0.12%no recordno record79.0%no record
SMBC Manubank$6.60B-3.4%16.5%0.30%4.97%0.0%48.2%11.5%
River City Bank$6.04B1.2%30.6%0.00%0.00%2.3%85.7%9.4%
Fremont Bank$5.97B1.2%73.4%0.39%0.01%1.6%90.6%7.8%
CTBC Bank Corp. USA$5.87B0.9%59.2%1.55%0.06%1.1%88.0%13.4%
Farmers & Merchants Bank Central California$5.83B1.7%44.3%0.13%0.01%2.1%72.7%11.8%
Westamerica Bank$5.77B1.8%42.5%0.12%0.14%1.6%14.0%10.5%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Tri Counties BankCohort median
20212026Change20212026Change
Loans$4.95B$7.31B+48%$2.89B$4.51B+56%
Deposits$7.00B$8.37B+20%$4.61B$5.47B+19%
NPA / loans0.66%0.94%+0.28 pts0.37%0.30%-0.07 pts
Efficiency51.3%54.8%+3.5 pts49.6%43.2%-6.4 pts
ROA1.56%1.38%-0.18 pts1.38%1.32%-0.06 pts

This read was prepared for Tri Counties Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Tri Counties Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $3B to $10B
Institution www.tcbk.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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