Tri Counties Bank Mortgage Rates, Fees & Info

Chico, CA

LEI: 549300W0YBCUV18HSR42

Tax ID: 94-2261923

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Tri Counties Bank is a smaller bank specializing in Refi and Home Purchase loans. Tri Counties Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Chico, Sacramento, San Francisco, Redding, and Visalia among others. We have data for 35 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Tri Counties Bank has a below average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Tri Counties Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 12/16/24
    30 Year Conventional Purchase 6.20% 12/16/24
    30 Year Conventional Refi 6.36% 12/16/24
    30 Year Cash-out Refi 6.76% 12/16/24
    30 Year FHA Purchase 6.27% 12/16/24
    30 Year USDA Purchase 6.27% 12/16/24
    15 Year Conventional Purchase 5.52% 12/16/24
    15 Year Conventional Refi 5.41% 12/16/24
    15 Year Cash-out Refi 5.41% 12/16/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Tri Counties Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Tri Counties Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    2,127

    Origination Dollar Volume (All Markets)

    $621,875,000

    Employee count

    1,165 Show all (9) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    CHICO, CA (FHA|USDA|VA) 380 $125,730,000 $330,868 $3,220 4.74%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 261 $105,515,000 $404,272 $3,380 4.54%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 131 $80,845,000 $617,137 $3,886 4.79%
    REDDING, CA (FHA|USDA|VA) 341 $48,815,000 $143,152 $2,991 4.80%
    VISALIA, CA (FHA|USDA|VA) 12 $43,160,000 $3,596,667 $3,016 4.58%
    Outside of Metro Areas 269 $39,115,000 $145,409 $3,290 4.81%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 151 $29,805,000 $197,384 $3,329 4.56%
    MODESTO, CA (FHA|USDA|VA) 79 $18,395,000 $232,848 $2,660 4.88%
    YUBA CITY, CA (FHA|USDA|VA) 115 $17,095,000 $148,652 $3,417 4.81%
    BAKERSFIELD, CA (FHA|USDA|VA) 20 $12,700,000 $635,000 $4,072 4.40%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 29 $12,095,000 $417,069 $6,138 4.46%
    FRESNO, CA (FHA|USDA|VA) 23 $10,415,000 $452,826 $2,499 4.36%
    NAPA, CA (FHA|USDA|VA) 3 $8,315,000 $2,771,667 $16,728 5.04%
    BOISE CITY, ID (FHA|USDA|VA) 1 $8,305,000 $8,305,000 $0 3.75%
    STOCKTON, CA (FHA|USDA|VA) 17 $7,585,000 $446,176 $2,896 4.43%
    Eureka-Arcata, CA (FHA|USDA|VA) 58 $7,540,000 $130,000 $3,662 5.02%
    Red Bluff, CA (FHA|USDA|VA) 56 $6,930,000 $123,750 $3,250 4.90%
    SALINAS, CA (FHA|USDA|VA) 4 $5,780,000 $1,445,000 $6,373 4.00%
    Clearlake, CA (FHA|USDA|VA) 32 $4,750,000 $148,438 $3,478 5.00%
    MERCED, CA (FHA|USDA|VA) 26 $4,740,000 $182,308 $4,086 4.70%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $3,505,000 $3,505,000 $0 5.00%
    Crescent City, CA (FHA|USDA|VA) 30 $3,320,000 $110,667 $3,443 4.87%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 4 $2,620,000 $655,000 $6,786 4.09%
    Ukiah, CA (FHA|USDA|VA) 21 $2,565,000 $122,143 $3,366 4.86%
    MADERA, CA (FHA|USDA|VA) 25 $2,455,000 $98,200 $2,788 5.55%
    VALLEJO, CA (FHA|USDA|VA) 8 $2,430,000 $303,750 $3,459 4.84%
    Susanville, CA (FHA|USDA|VA) 12 $1,750,000 $145,833 $4,929 5.05%
    BEND, OR (FHA|USDA|VA) 2 $1,350,000 $675,000 $4,905 5.30%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 5 $1,305,000 $261,000 $3,414 4.30%
    RENO, NV (FHA|USDA|VA) 3 $1,035,000 $345,000 $4,371 3.88%
    HANFORD-CORCORAN, CA (FHA|USDA|VA) 2 $730,000 $365,000 $3,579 4.13%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 3 $655,000 $218,333 $0 4.58%
    Sonora, CA (FHA|USDA|VA) 1 $285,000 $285,000 $3,229 4.50%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $205,000 $205,000 $2,592 4.13%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $35,000 $35,000 $0 5.25%
    Tri Counties Bank's top markets include Chico, Sacramento, San Francisco, Redding, and Visalia among others.

    Their top states include:
  • California (FHA|USDA|VA)
  • Idaho (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Tri Counties Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Educational Employees Credit Union
    Similarity Rank: 153
    HERITAGE COMMUNITY CREDIT UNION
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    SAFEAMERICA CREDIT UNION
    Similarity Rank: 368
    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 707
    EXCITE Credit Union
    Similarity Rank: 817
    CommonWealth Central Credit Union
    Similarity Rank: 840
    Ukrainian Federal Credit Union
    Similarity Rank: 864
    SACRAMENTO Credit Union
    Similarity Rank: 1020
    Schools Financial Credit Union
    Similarity Rank: 1080
    BANK OF SAN FRANCISCO
    Similarity Rank: 1228

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 1,289 $174,155,000 $135,109 n/a 5.01%
    Conventional 825 $444,745,000 $539,085 $3,321 4.34%
    FHA 12 $2,780,000 $231,667 $7,195 3.92%
    USDA 1 $195,000 $195,000 $4,996 4.50%

    For 2019, Tri Counties Bank's most frequently originated type of loan was HELOC, with 1,289 originations. Their 2nd most popular type was Conventional, with 825 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Other 588 $65,280,000 $111,020 $2,985 4.95%
    Refi 455 $156,255,000 $343,418 $2,896 4.78%
    Home Improvement 430 $47,730,000 $111,000 $2,526 4.98%
    Home Purchase 371 $277,375,000 $747,642 $4,003 4.43%
    Cash Out Refi 283 $75,235,000 $265,848 $3,203 4.30%

    For 2019, Tri Counties Bank's most frequently cited loan purpose was Other, with 588 originations. The 2nd most popular reason was Refi, with 455 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30+ year 1,270 $160,740,000 $126,567 $6,901 4.99%
    30 Year 613 $193,285,000 $315,310 $3,502 4.37%
    15 Year 98 $20,940,000 $213,673 $2,806 3.80%
    10 Year 80 $174,220,000 $2,177,750 $2,738 4.67%
    20 Year 32 $11,390,000 $355,938 $3,276 4.29%
    5 Year 22 $15,650,000 $711,364 $0 5.45%
    Other 8 $40,700,000 $5,087,500 $0 5.22%
    1 Year 4 $4,950,000 $1,237,500 $0 6.13%

    For 2019, Tri Counties Bank's most frequently cited loan duration was 30+ year, with 1,270 originations. The 2nd most popular length was 30 Year, with 613 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 457 $148,535,000 $325,022
    $1k-2k 98 $23,330,000 $238,061
    $2k-3k 45 $10,635,000 $236,333
    $3k-4k 18 $5,050,000 $280,556
    $5k+ 13 $7,905,000 $608,077
    $4k-5k 8 $2,740,000 $342,500

    Tri Counties Bank's average total fees were $3,502, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 457 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 785 $309,115,000 $393,777
    3-4% 643 $208,285,000 $323,927
    5-6% 489 $84,525,000 $172,853
    6-7% 114 $9,690,000 $85,000
    2.5-3% 41 $5,465,000 $133,293
    7-8% 34 $3,250,000 $95,588
    Over 8% 19 $1,515,000 $79,737
    <2.5% 2 $30,000 $15,000

    During 2019, Tri Counties Bank's average interest rate for loans was 4.37%, while their most frequently originated rate bucket for loans was 4-5%, with 785 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 707 $95,565,000 $135,170 $2,899 4.65%
    $100,000 or less 650 $34,200,000 $52,615 $2,765 5.14%
    $200k-400k 530 $141,170,000 $266,358 $3,468 4.51%
    $400k-600k 126 $58,470,000 $464,048 $3,576 4.50%
    $1MM+ 59 $251,335,000 $4,259,915 $6,069 4.40%
    $600k-1MM 55 $41,135,000 $747,909 $4,917 4.40%

    2019 saw Tri Counties Bank place emphasis on $100k-200k loans with 707 originations, totaling $95,565,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 372 $48,260,000 $129,731 $3,232 4.82%
    $50k or less 366 $35,970,000 $98,279 $2,903 4.89%
    $100k-150k 363 $67,025,000 $184,642 $3,426 4.75%
    $75k-100k 307 $45,995,000 $149,821 $3,259 4.82%
    $150k-250k 268 $61,850,000 $230,784 $3,907 4.70%
    $250k+ 184 $72,910,000 $396,250 $5,123 4.63%

    Tri Counties Bank lent most frequently to those with incomes in the $50k-75k range, with 372 originations. The second most popular income band? $50k or less, with 366 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 456 $74,010,000 $162,303 $3,048 4.71%
    30-36% 397 $65,845,000 $165,856 $3,243 4.76%
    <20% 297 $58,155,000 $195,808 $3,387 4.77%
    42% 107 $19,525,000 $182,477 $3,641 4.68%
    43% 91 $15,535,000 $170,714 $3,709 5.02%
    37% 87 $21,035,000 $241,782 $3,589 4.74%
    40% 78 $12,580,000 $161,282 $3,029 4.82%
    39% 76 $13,050,000 $171,711 $3,090 4.58%
    38% 74 $12,970,000 $175,270 $3,232 4.79%
    41% 73 $14,775,000 $202,397 $3,518 4.76%
    44% 68 $10,810,000 $158,971 $3,633 4.86%
    36% 66 $10,710,000 $162,273 $3,571 4.83%
    50-60% 29 $14,315,000 $493,621 $4,557 4.34%
    45% 28 $7,360,000 $262,857 $3,882 4.53%
    49% 24 $6,310,000 $262,917 $3,225 4.55%
    48% 23 $8,295,000 $360,652 $3,654 4.14%
    46% 23 $8,355,000 $363,261 $3,395 4.19%
    47% 18 $7,220,000 $401,111 $3,765 4.33%
    >60% 6 $1,830,000 $305,000 $3,478 4.42%

    Tri Counties Bank lent most frequently to those with DTI ratios of 20-30%, with 456 originations. The next most common DTI ratio? 30-36%, with 397 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,715 $352,755,000 $205,688 $3,379 4.71%
    Not applicable 55 $185,505,000 $3,372,818 $0 5.12%
    Asian 124 $40,470,000 $326,371 $3,653 4.62%
    Not provided 174 $35,200,000 $202,299 $3,418 4.95%
    American Indian 38 $4,270,000 $112,368 $3,116 5.11%
    Black 14 $2,610,000 $186,429 $3,879 4.81%
    Asian Indian 3 $565,000 $188,333 $0 4.90%
    Native Hawaiian or Islander 4 $500,000 $125,000 $0 4.97%

    Approval Rates

    Total approvals of all applications
    67.48%

    Tri Counties Bank has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    78.00%

    Tri Counties Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,127 $621,875,000 $292,372

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $2,005,000 $2,005,000
    Multifamily:Site-Built 62 $219,860,000 $3,546,129
    Single Family (1-4 Units):Manufactured 78 $9,380,000 $120,256
    Single Family (1-4 Units):Site-Built 1,986 $390,630,000 $196,692

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 557 $95,285,000 $171,068 $2,885 4.76%
    40-60% 394 $135,530,000 $343,985 $3,031 4.56%
    60-80% 484 $304,010,000 $628,120 $3,630 4.55%
    80-100% 119 $36,945,000 $310,462 $3,865 4.37%
    Over 100% 1 $195,000 $195,000 $4,996 4.50%
    Under 20% 570 $49,880,000 $87,509 $2,300 5.12%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Tri Counties Bank 100 East Walker Street Orland, CA 95963 Full Service B&M $92,561
    Tri Counties Bank 1020 Pleasant Grove Boulevard Roseville, CA 95678 Full Service B&M $32,628
    Tri Counties Bank 11362 Pleasant Valley Road Penn Valley, CA 95946 Full Service B&M $27,818
    Tri Counties Bank 1180 Oro Dam Boulevard Oroville, CA 95965 Full Service B&M $119,537
    Tri Counties Bank 12047 Donner Pass Road Truckee, CA 96161 Full Service B&M $23,855
    Tri Counties Bank 1250 Hilltop Drive Redding, CA 96003 Full Service B&M $136,154
    Tri Counties Bank 130 Battery Street San Francisco, CA 94111 Full Service B&M $101,778
    Tri Counties Bank 1327 South Street Redding, CA 96001 Full Service B&M $188,570
    Tri Counties Bank 1441 Colusa Avenue Yuba City, CA 95993 Full Service B&M $151,851
    Tri Counties Bank 1450 Linda Mar Shopping Center Pacifica, CA 94044 Full Service B&M $121,632
    Tri Counties Bank 150 E 3rd Ave San Mateo, CA 94401 Full Service B&M $62,414
    Tri Counties Bank 1551 El Camino Real Millbrae, CA 94030 Full Service B&M $107,709
    Tri Counties Bank 1640 Central Avenue Mckinleyville, CA 95519 Full Service B&M $31,627
    Tri Counties Bank 165 South Broadway Yreka, CA 96097 Full Service B&M $68,197
    Tri Counties Bank 17 Plaza Circle Patterson, CA 95363 Full Service B&M $64,264
    Tri Counties Bank 2001 Geer Road Turlock, CA 95382 Full Service Retail $19,880
    Tri Counties Bank 201 Lake Boulevard Redding, CA 96003 Full Service Retail $47,816
    Tri Counties Bank 204 Chestnut Street Mount Shasta, CA 96067 Full Service B&M $63,043
    Tri Counties Bank 210 North Tehama Street Willows, CA 95988 Full Service B&M $111,817
    Tri Counties Bank 21097 Calistoga Street Middletown, CA 95461 Full Service B&M $43,510
    Tri Counties Bank 211 W East Avenue Chico, CA 95926 Full Service Retail $68,714
    Tri Counties Bank 2171 Pillsbury Road Chico, CA 95926 Full Service B&M $191,882
    Tri Counties Bank 2197 Chestnut Street San Francisco, CA 94123 Full Service B&M $19,650
    Tri Counties Bank 239 Stage Road Pescadero, CA 94060 Full Service B&M $22,238
    Tri Counties Bank 2400 Sand Creek Road, Sand Creek Road Brentwood, CA 94513 Full Service Retail $20,284
    Tri Counties Bank 2483 Notre Dame Blvd, Suite 100 Chico, CA 95928 Full Service B&M $61,814
    Tri Counties Bank 25025 Blue Ravine Road Folsom, CA 95630 Full Service Retail $38,207
    Tri Counties Bank 255 South Main Street Willits, CA 95490 Full Service B&M $55,550
    Tri Counties Bank 2641 Main Street Susanville, CA 96130 Full Service B&M $27,393
    Tri Counties Bank 2686 Gateway Drive Anderson, CA 96007 Full Service B&M $80,106
    Tri Counties Bank 2844 F Street Eureka, CA 95501 Full Service B&M $96,881
    Tri Counties Bank 303 Main Street Weed, CA 96094 Full Service B&M $27,259
    Tri Counties Bank 305 Neal Street Grass Valley, CA 95945 Full Service B&M $48,403
    Tri Counties Bank 305 Railroad Avenue, Suite #1 Nevada City, CA 95959 Full Service B&M $77,960
    Tri Counties Bank 305 Trinity Avenue Chowchilla, CA 93610 Full Service B&M $84,836
    Tri Counties Bank 319 5th Street Gustine, CA 95322 Full Service B&M $62,073
    Tri Counties Bank 3349 Main Street Cottonwood, CA 96022 Full Service B&M $77,828
    Tri Counties Bank 3601 Pelandale Avenue, Suite E5 Modesto, CA 95356 Full Service Retail $53,851
    Tri Counties Bank 3700 Douglas Boulevard Roseville, CA 95661 Full Service B&M $95,939
    Tri Counties Bank 37093 State Hwy 299e Burney, CA 96013 Full Service B&M $30,421
    Tri Counties Bank 394 Main Street Ferndale, CA 95536 Full Service B&M $13,943
    Tri Counties Bank 425 S. Mathilda Ave Sunnyvale, CA 94086 Full Service B&M $18,797
    Tri Counties Bank 43308 Highway 299 East Fall River Mills, CA 96028 Full Service B&M $55,382
    Tri Counties Bank 4650 Natomas Boulevard Sacramento, CA 95835 Full Service Retail $26,500
    Tri Counties Bank 4715 Shasta Dam Boulevard Shasta Lake, CA 96019 Full Service B&M $34,881
    Tri Counties Bank 509 S. Pinkham Street, Suite B Visalia, CA 93292 Full Service B&M $15,920
    Tri Counties Bank 5201 California Avenue, Suite 102 Bakersfield, CA 93309 Full Service B&M $45,139
    Tri Counties Bank 525 Salem Street Chico, CA 95928 Full Service B&M $176,796
    Tri Counties Bank 595 Main Street Weaverville, CA 96093 Full Service B&M $58,457
    Tri Counties Bank 63 Constitution Drive Chico, CA 95973 Full Service B&M $0
    Tri Counties Bank 630 Main Street Woodland, CA 95695 Full Service B&M $67,986
    Tri Counties Bank 6392-J Westside Road Redding, CA 96001 Full Service B&M $24,847
    Tri Counties Bank 6600 Mission Street Daly City, CA 94014 Full Service B&M $116,740
    Tri Counties Bank 6848 Q Skyway Paradise, CA 95969 Full Service B&M $144,366
    Tri Counties Bank 697 8th Street Arcata, CA 95521 Full Service B&M $49,091
    Tri Counties Bank 699 Portola Drive San Francisco, CA 94127 Full Service B&M $23,297
    Tri Counties Bank 700 El Camino Real Redwood City, CA 94063 Full Service B&M $63,775
    Tri Counties Bank 700 Onstott Road Yuba City, CA 95991 Full Service Retail $30,542
    Tri Counties Bank 7020 North Marks Avenue, Suite 101 Fresno, CA 93711 Full Service B&M $40,281
    Tri Counties Bank 7061 State Highway 3 Hayfork, CA 96041 Full Service B&M $16,567
    Tri Counties Bank 709 Sutton Way, Suite A Grass Valley, CA 95945 Full Service B&M $77,449
    Tri Counties Bank 727 South Main Street Red Bluff, CA 96080 Full Service Retail $37,373
    Tri Counties Bank 756 Main Street Half Moon Bay, CA 94019 Full Service B&M $75,692
    Tri Counties Bank 76405 Covelo Road Covelo, CA 95428 Full Service B&M $16,263
    Tri Counties Bank 780 Mangrove Avenue Chico, CA 95926 Full Service B&M $324,161
    Tri Counties Bank 789 High Street Auburn, CA 95603 Full Service B&M $69,178
    Tri Counties Bank 801 K Street, Suite 110 Sacramento, CA 95814 Full Service Retail $67,550
    Tri Counties Bank 819 4th Street Santa Rosa, CA 95404 Full Service B&M $26,681
    Tri Counties Bank 838 West Harris Street Eureka, CA 95503 Full Service B&M $19,682
    Tri Counties Bank 844 Bridge Street Colusa, CA 95932 Full Service B&M $86,568
    Tri Counties Bank 880 E. Cypress Avenue Redding, CA 96002 Full Service B&M $120,419
    Tri Counties Bank 890 Fortress Street Chico, CA 95973 Full Service Cyber Office $9,392
    Tri Counties Bank 904 E Street, Suite A Marysville, CA 95901 Full Service B&M $29,561
    Tri Counties Bank 909 Main Street Fortuna, CA 95540 Full Service B&M $34,603
    Tri Counties Bank 9125 Deschutes Road Palo Cedro, CA 96073 Full Service B&M $99,064
    Tri Counties Bank 936 Third Street Crescent City, CA 95531 Full Service B&M $78,933
    Tri Counties Bank 9411 Midway Road Durham, CA 95938 Full Service B&M $118,131
    Tri Counties Bank 975 El Camino Real South San Francisco, CA 94080 Full Service B&M $175,713

    For 2019, Tri Counties Bank had 78 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $272,444
    Net interest income $260,341
    Total noninterest income $53,481
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $18,744
    Trading account gains and fees $0
    Additional Noninterest Income $34,737
    Pre-tax net operating income $130,775
    Securities gains (or losses, -) $196
    Income before extraordinary items $94,995
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $94,995
    Minority interest net income $0
    Net income $94,995
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $94,840

    Tri Counties Bank's gross interest income from loans was $272,444,000.
    Tri Counties Bank's net interest income from loans was $260,341,000.
    Tri Counties Bank's fee based income from loans was $18,744,000.
    Tri Counties Bank's net income from loans was $94,995,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $12,103
    Provision for credit losses $-1,690
    Total noninterest expense $184,737
    Salaries and employee benefits $106,065
    Premises and equipment expense $21,915
    Additional noninterest expense $56,757
    Applicable income taxes $35,976
    Net charge-offs $276
    Cash dividends $32,669

    Tri Counties Bank's interest expense for loans was $12,103,000.
    Tri Counties Bank's payroll and benefits expense were $106,065,000.
    Tri Counties Bank's property, plant and equipment expenses $21,915,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $5,372,002
    Deposits held in domestic offices $5,372,002
    Deposits by Individuals, partnerships, and corporations $5,168,888
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $202,391
    Deposits by Commercial banks and other depository institutions in U.S. $723
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,898,058
    Demand deposits $1,838,407
    Nontransaction accounts $3,473,944
    Money market deposit accounts (MMDAs) $2,493,678
    Other savings deposits (excluding MMDAs) $539,760
    Total time deposits $440,506
    Total time and savings deposits $3,533,595
    Noninterest-bearing deposits $1,838,407
    Interest-bearing deposits $3,533,595
    Retail deposits $5,247,691
    IRAs and Keogh plan accounts $50,117
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $6,469,416
    Cash & Balances due from depository institutions $276,506
    Interest-bearing balances $183,690
    Total securities $1,328,704
    Federal funds sold & reverse repurchase $0
    Net loans and leases $4,282,015
    Loan and leases loss allowance $30,616
    Trading account assets $0
    Bank premises and fixed assets $114,966
    Other real estate owned $2,541
    Goodwill and other intangibles $250,629
    All other assets $214,055

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $6,469,416
    Total Liabilities $5,511,873
    Total deposits $5,372,002
    Interest-bearing deposits $3,533,595
    Deposits held in domestic offices $5,372,002
    % insured (estimated) $77
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $45,994
    Subordinated debt $0
    All other liabilities $93,877

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $4,282,015
    Loan and leases loss allowance $30,616
    Total loans and leases (domestic) $4,312,631
    All real estate loans $3,946,268
    Real estate loans in domestic offices $3,946,268
    Construction and development loans $249,827
    Residential 1-4 family construction $46,146
    Other construction, all land development and other land $203,681
    Loans secured by nonfarm nonresidential properties $2,155,990
    Nonfarm nonresidential secured by owner-occupied properties $546,434
    Commercial real estate & other non-farm, non-residential $1,609,556
    Multifamily residential real estate $517,725
    1-4 family residential loans $877,659
    Farmland loans $145,067
    Loans held in foreign offices $0
    Farm loans $32,633
    Commercial and industrial loans $249,791
    To non-U.S. addressees $0
    Loans to individuals $81,450
    Credit card loans $290
    Related Plans $1,509
    Consumer Auto Loans $75,619
    Other loans to individuals $4,032
    All other loans & leases $2,489
    Loans to foreign governments and official institutions $0
    Other loans $1,206
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $4,616
    Loans secured by real estate to non-U.S. addressees $202
    Restructured Loans & leases $4,886
    Non 1-4 family restructured loans & leases $3,876
    Total loans and leases (foreign) $0

    Tri Counties Bank had $4,282,015,000 of loans outstanding in 2019. $3,946,268,000 of loans were in real estate loans. $249,827,000 of loans were in development loans. $517,725,000 of loans were in multifamily mortgage loans. $877,659,000 of loans were in 1-4 family mortgage loans. $32,633,000 of loans were in farm loans. $290,000 of loans were in credit card loans. $75,619,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 1,784 $557,430 $312,461
    Nonfarm, nonresidential loans - <$100k 153 $6,723 $43,941
    Nonfarm, nonresidential loans - $100-250k 487 $64,146 $131,717
    Nonfarm, nonresidential loans - $250k-1MM 1,144 $486,561 $425,316
    Commercial & Industrial, US addressed loans - <$1MM 3,578 $159,440 $44,561
    Commercial & Industrial, US addressed loans - <$100k 2,679 $46,987 $17,539
    Commercial & Industrial, US addressed loans - $100-250k 550 $43,275 $78,682
    Commercial & Industrial, US addressed loans - $250k-1MM 349 $69,178 $198,218
    Farmland loans - <$1MM 166 $30,718 $185,048
    Farmland loans - <$100k 24 $1,153 $48,042
    Farmland loans - $100-250k 58 $7,124 $122,828
    Farmland loans - $250k-1MM 84 $22,441 $267,155
    Agriculture operations loans - <$1MM 164 $10,282 $62,695
    Agriculture operations loans - <$100k 80 $1,766 $22,075
    Agriculture operations loans - $100-250k 50 $3,248 $64,960
    Agriculture operations loans - $250k-1MM 34 $5,268 $154,941