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™
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    • 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. Their top markets by origination volume include: Chico, San Francisco, Sacramento, Redding, and Bakersfield among others. We have data for 40 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Tri Counties Bank has an 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

    2,017

    Origination Dollar Volume (All Markets)

    $693,065,000

    Employee count

    1,039 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) 413 $122,075,000 $295,581 $2,836 3.84%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 114 $100,380,000 $880,526 $4,248 3.89%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 237 $89,675,000 $378,376 $3,505 3.82%
    REDDING, CA (FHA|USDA|VA) 301 $47,115,000 $156,528 $2,721 3.95%
    BAKERSFIELD, CA (FHA|USDA|VA) 33 $42,335,000 $1,282,879 $3,350 3.98%
    Outside of Metro Areas 223 $39,875,000 $178,812 $2,881 3.86%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 5 $34,845,000 $6,969,000 $2,970 4.40%
    Eureka-Arcata, CA (FHA|USDA|VA) 82 $25,460,000 $310,488 $3,043 3.59%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 114 $24,900,000 $218,421 $3,187 3.89%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 8 $24,560,000 $3,070,000 $6,505 4.08%
    MODESTO, CA (FHA|USDA|VA) 76 $21,550,000 $283,553 $2,978 3.84%
    YUBA CITY, CA (FHA|USDA|VA) 94 $19,020,000 $202,340 $2,950 3.94%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 34 $15,890,000 $467,353 $4,262 3.53%
    FRESNO, CA (FHA|USDA|VA) 27 $10,685,000 $395,741 $2,788 3.73%
    SALINAS, CA (FHA|USDA|VA) 6 $10,010,000 $1,668,333 $5,246 3.54%
    Red Bluff, CA (FHA|USDA|VA) 55 $7,735,000 $140,636 $2,826 4.04%
    MERCED, CA (FHA|USDA|VA) 26 $6,400,000 $246,154 $2,689 4.02%
    Crescent City, CA (FHA|USDA|VA) 40 $5,760,000 $144,000 $3,348 4.28%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 9 $5,745,000 $638,333 $3,571 3.69%
    STOCKTON, CA (FHA|USDA|VA) 11 $5,745,000 $522,273 $5,210 3.94%
    Ukiah, CA (FHA|USDA|VA) 15 $4,475,000 $298,333 $4,791 4.12%
    Clearlake, CA (FHA|USDA|VA) 21 $4,425,000 $210,714 $3,162 3.72%
    VALLEJO, CA (FHA|USDA|VA) 7 $3,735,000 $533,571 $3,283 3.64%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $3,570,000 $1,785,000 $5,419 3.75%
    MADERA, CA (FHA|USDA|VA) 18 $3,100,000 $172,222 $3,000 4.02%
    Susanville, CA (FHA|USDA|VA) 16 $2,090,000 $130,625 $2,948 3.69%
    VISALIA, CA (FHA|USDA|VA) 8 $1,650,000 $206,250 $5,041 3.92%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 4 $1,620,000 $405,000 $3,259 3.69%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $1,505,000 $1,505,000 $0 5.25%
    RENO, NV (FHA|USDA|VA) 2 $1,440,000 $720,000 $3,955 3.56%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 4 $1,210,000 $302,500 $2,484 3.41%
    Fernley, NV (FHA|USDA|VA) 1 $1,205,000 $1,205,000 $0 5.25%
    COLUMBIA, SC (FHA|USDA|VA) 2 $910,000 $455,000 $0 4.50%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $535,000 $535,000 $5,468 3.88%
    Brookings, OR (FHA|USDA|VA) 1 $485,000 $485,000 $4,300 2.63%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $425,000 $425,000 $3,580 3.38%
    SALEM, OR (FHA|USDA|VA) 2 $320,000 $160,000 $2,822 3.31%
    Sonora, CA (FHA|USDA|VA) 1 $285,000 $285,000 $3,390 3.50%
    GRANTS PASS, OR (FHA|USDA|VA) 1 $235,000 $235,000 $2,724 4.88%
    Klamath Falls, OR (FHA|USDA|VA) 1 $85,000 $85,000 $2,596 2.63%
    Tri Counties Bank's top markets include Chico, San Francisco, Sacramento, Redding, and Bakersfield among others.

    Their top states include:
  • California (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
  • Texas (FHA|USDA|VA)
  • Oregon (FHA|USDA|VA)
  • South Carolina (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.

    ROGUE
    Similarity Rank: 144
    HERITAGE COMMUNITY CREDIT UNION
    Similarity Rank: 330
    INFINITY EQUITY GROUP, INC.
    Similarity Rank: 744
    1ST NORTHERN CALIFORNIA
    Similarity Rank: 1120
    BNB FINANCIAL INC.
    Similarity Rank: 1184
    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 1904
    COMMUNITY FIRST CREDIT UNION
    Similarity Rank: 1972
    SACRAMENTO Credit Union
    Similarity Rank: 2256
    Educational Employees Credit Union
    Similarity Rank: 2680
    CommonWealth Central Credit Union
    Similarity Rank: 2916

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,263 $566,885,000 $448,840 $3,144 3.46%
    HELOC 754 $126,180,000 $167,347 n/a 4.56%

    For 2020, Tri Counties Bank's most frequently originated type of loan was Conventional, with 1,263 originations. Their 2nd most popular type was HELOC, with 754 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 656 $246,630,000 $375,960 $2,805 3.54%
    Cash Out Refi 432 $107,240,000 $248,241 $2,969 3.48%
    Other 324 $47,110,000 $145,401 $4,509 4.61%
    Home Purchase 314 $252,330,000 $803,599 $4,237 3.74%
    Home Improvement 291 $39,755,000 $136,615 $3,613 4.51%

    For 2020, Tri Counties Bank's most frequently cited loan purpose was Refi, with 656 originations. The 2nd most popular reason was Cash Out Refi, with 432 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 896 $295,260,000 $329,531 $3,266 3.49%
    30+ year 733 $109,195,000 $148,970 $0 4.56%
    15 Year 217 $46,765,000 $215,507 $2,700 3.07%
    10 Year 81 $109,655,000 $1,353,765 $2,527 4.13%
    20 Year 59 $32,395,000 $549,068 $3,115 3.53%
    5 Year 26 $23,530,000 $905,000 $0 3.98%
    Other 5 $76,265,000 $15,253,000 $0 4.72%

    For 2020, Tri Counties Bank's most frequently cited loan duration was 30 Year, with 896 originations. The 2nd most popular length was 30+ year, with 733 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 730 $242,050,000 $331,575
    $1k-2k 207 $49,065,000 $237,029
    $2k-3k 51 $14,395,000 $282,255
    $3k-4k 26 $8,170,000 $314,231
    $5k+ 23 $11,365,000 $494,130
    $4k-5k 19 $6,305,000 $331,842

    Tri Counties Bank's average total fees were $3,266, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 730 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 1,039 $347,845,000 $334,788
    4-5% 558 $250,330,000 $448,620
    2.5-3% 284 $77,100,000 $271,479
    5-6% 75 $11,195,000 $149,267
    <2.5% 25 $3,045,000 $121,800
    6-7% 20 $1,930,000 $96,500
    7-8% 10 $800,000 $80,000
    Over 8% 6 $820,000 $136,667

    During 2020, Tri Counties Bank's average interest rate for loans was 3.49%, while their most frequently originated rate bucket for loans was 3-4%, with 1,039 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 699 $99,245,000 $141,981 $2,643 3.77%
    $200k-400k 578 $157,710,000 $272,855 $3,089 3.72%
    $100,000 or less 406 $22,730,000 $55,985 $2,473 4.34%
    $400k-600k 157 $75,555,000 $481,242 $3,832 3.61%
    $600k-1MM 101 $77,425,000 $766,584 $4,700 3.90%
    $1MM+ 76 $260,400,000 $3,426,316 $5,699 3.93%

    2020 saw Tri Counties Bank place emphasis on $100k-200k loans with 699 originations, totaling $99,245,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 325 $45,165,000 $138,969 $2,849 4.04%
    $100k-150k 316 $67,920,000 $214,937 $3,356 3.94%
    $50k or less 289 $32,115,000 $111,125 $2,691 3.92%
    $75k-100k 261 $47,495,000 $181,973 $2,834 3.83%
    $150k-250k 210 $62,380,000 $297,048 $3,553 3.99%
    $250k+ 169 $96,725,000 $572,337 $4,282 3.97%

    Tri Counties Bank lent most frequently to those with incomes in the $50k-75k range, with 325 originations. The second most popular income band? $100k-150k, with 316 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 517 $120,885,000 $233,820 $3,065 3.80%
    30-36% 395 $90,135,000 $228,190 $3,047 3.83%
    <20% 308 $76,170,000 $247,305 $2,971 3.93%
    40% 79 $17,925,000 $226,899 $3,246 3.83%
    39% 67 $14,405,000 $215,000 $3,023 3.75%
    38% 67 $16,665,000 $248,731 $3,192 3.84%
    43% 63 $15,265,000 $242,302 $2,884 4.17%
    42% 62 $14,850,000 $239,516 $3,801 3.87%
    37% 62 $13,360,000 $215,484 $3,128 3.92%
    44% 57 $13,955,000 $244,825 $3,411 4.00%
    41% 53 $13,935,000 $262,925 $3,379 4.06%
    36% 52 $8,450,000 $162,500 $2,440 3.79%
    47% 32 $13,400,000 $418,750 $3,937 3.46%
    45% 27 $9,055,000 $335,370 $2,940 3.51%
    46% 26 $7,710,000 $296,538 $3,606 3.46%
    48% 20 $7,820,000 $391,000 $2,963 3.48%
    49% 16 $5,240,000 $327,500 $3,442 3.59%
    50-60% 14 $11,710,000 $836,429 $4,680 3.77%

    Tri Counties Bank lent most frequently to those with DTI ratios of 20-30%, with 517 originations. The next most common DTI ratio? 30-36%, with 395 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,604 $400,510,000 $249,695 $3,116 3.82%
    Not applicable 69 $202,435,000 $2,933,841 $0 4.32%
    Not provided 206 $43,100,000 $209,223 $3,141 4.04%
    Asian 95 $39,285,000 $413,526 $3,862 3.92%
    Black 8 $3,020,000 $377,500 $3,206 3.59%
    American Indian 24 $2,550,000 $106,250 $2,787 4.11%
    Native Hawaiian or Islander 8 $1,100,000 $137,500 $2,507 4.05%
    Asian Indian 2 $900,000 $450,000 $2,245 4.13%
    Other Asian 1 $165,000 $165,000 $0 4.50%

    Approval Rates

    Total approvals of all applications
    75.71%

    Tri Counties Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    75.61%

    Tri Counties Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,017 $693,065,000 $343,612

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 1 $205,000 $205,000
    Multifamily:Site-Built 65 $207,705,000 $3,195,462
    Single Family (1-4 Units):Manufactured 86 $12,550,000 $145,930
    Single Family (1-4 Units):Site-Built 1,865 $472,605,000 $253,408

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 452 $105,240,000 $232,832 $2,830 3.93%
    40-60% 512 $202,430,000 $395,371 $2,793 3.60%
    60-80% 564 $310,980,000 $551,383 $3,448 3.77%
    80-100% 124 $45,490,000 $366,855 $3,838 3.60%
    Under 20% 365 $28,925,000 $79,247 $2,361 4.42%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Tri Counties Bank 697 8th Street Arcata, CA 95521 Full Service B&M $50,467
    Tri Counties Bank 100 East Walker Street Orland, CA 95963 Full Service B&M $100,504
    Tri Counties Bank 1020 Pleasant Grove Boulevard Roseville, CA 95678 Full Service B&M $44,755
    Tri Counties Bank 11362 Pleasant Valley Road Penn Valley, CA 95946 Full Service B&M $31,481
    Tri Counties Bank 1180 Oro Dam Boulevard Oroville, CA 95965 Full Service B&M $133,689
    Tri Counties Bank 12047 Donner Pass Road Truckee, CA 96161 Full Service B&M $27,779
    Tri Counties Bank 1250 Hilltop Drive Redding, CA 96003 Full Service B&M $161,408
    Tri Counties Bank 130 Battery Street San Francisco, CA 94111 Full Service B&M $116,846
    Tri Counties Bank 1327 South Street Redding, CA 96001 Full Service B&M $210,304
    Tri Counties Bank 1441 Colusa Avenue Yuba City, CA 95993 Full Service B&M $183,219
    Tri Counties Bank 1450 Linda Mar Shopping Center Pacifica, CA 94044 Full Service B&M $137,109
    Tri Counties Bank 150 E 3rd Ave San Mateo, CA 94401 Full Service B&M $68,811
    Tri Counties Bank 1551 El Camino Real Millbrae, CA 94030 Full Service B&M $110,538
    Tri Counties Bank 1640 Central Avenue Mckinleyville, CA 95519 Full Service B&M $36,857
    Tri Counties Bank 165 South Broadway Yreka, CA 96097 Full Service B&M $78,723
    Tri Counties Bank 17 Plaza Circle Patterson, CA 95363 Full Service B&M $75,377
    Tri Counties Bank 2001 Geer Road Turlock, CA 95382 Full Service Retail $31,478
    Tri Counties Bank 201 Lake Boulevard Redding, CA 96003 Full Service Retail $53,305
    Tri Counties Bank 204 Chestnut Street Mount Shasta, CA 96067 Full Service B&M $73,382
    Tri Counties Bank 210 North Tehama Street Willows, CA 95988 Full Service B&M $141,755
    Tri Counties Bank 21097 Calistoga Street Middletown, CA 95461 Full Service B&M $47,989
    Tri Counties Bank 211 W East Avenue Chico, CA 95926 Full Service Retail $76,446
    Tri Counties Bank 2171 Pillsbury Road Chico, CA 95926 Full Service B&M $187,409
    Tri Counties Bank 2197 Chestnut Street San Francisco, CA 94123 Full Service B&M $21,227
    Tri Counties Bank 239 Stage Road Pescadero, CA 94060 Full Service B&M $26,220
    Tri Counties Bank 2400 Sand Creek Road, Sand Creek Road Brentwood, CA 94513 Full Service Retail $27,373
    Tri Counties Bank 2483 Notre Dame Blvd, Suite 100 Chico, CA 95928 Full Service B&M $62,033
    Tri Counties Bank 25025 Blue Ravine Road Folsom, CA 95630 Full Service Retail $57,176
    Tri Counties Bank 255 South Main Street Willits, CA 95490 Full Service B&M $58,995
    Tri Counties Bank 2641 Main Street Susanville, CA 96130 Full Service B&M $27,900
    Tri Counties Bank 2686 Gateway Drive Anderson, CA 96007 Full Service B&M $92,404
    Tri Counties Bank 2844 F Street Eureka, CA 95501 Full Service B&M $110,520
    Tri Counties Bank 303 Main Street Weed, CA 96094 Full Service B&M $31,695
    Tri Counties Bank 305 Neal Street Grass Valley, CA 95945 Full Service B&M $64,822
    Tri Counties Bank 305 Railroad Avenue, Suite #1 Nevada City, CA 95959 Full Service B&M $98,286
    Tri Counties Bank 305 Trinity Avenue Chowchilla, CA 93610 Full Service B&M $96,604
    Tri Counties Bank 319 5th Street Gustine, CA 95322 Full Service B&M $72,949
    Tri Counties Bank 3349 Main Street Cottonwood, CA 96022 Full Service B&M $95,502
    Tri Counties Bank 3601 Pelandale Avenue, Suite E5 Modesto, CA 95356 Full Service Retail $77,568
    Tri Counties Bank 3700 Douglas Boulevard Roseville, CA 95661 Full Service B&M $134,447
    Tri Counties Bank 37093 State Hwy 299e Burney, CA 96013 Full Service B&M $44,378
    Tri Counties Bank 394 Main Street Ferndale, CA 95536 Full Service B&M $16,249
    Tri Counties Bank 425 S. Mathilda Ave Sunnyvale, CA 94086 Full Service B&M $17,440
    Tri Counties Bank 43308 Highway 299 East Fall River Mills, CA 96028 Full Service B&M $50,977
    Tri Counties Bank 4650 Natomas Boulevard Sacramento, CA 95835 Full Service Retail $31,185
    Tri Counties Bank 4715 Shasta Dam Boulevard Shasta Lake, CA 96019 Full Service B&M $39,262
    Tri Counties Bank 509 S. Pinkham Street, Suite B Visalia, CA 93292 Full Service B&M $17,585
    Tri Counties Bank 5201 California Avenue, Suite 102 Bakersfield, CA 93309 Full Service B&M $73,329
    Tri Counties Bank 595 Main Street Weaverville, CA 96093 Full Service B&M $63,281
    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 $89,053
    Tri Counties Bank 6392-J Westside Road Redding, CA 96001 Full Service B&M $28,584
    Tri Counties Bank 6600 Mission Street Daly City, CA 94014 Full Service B&M $144,112
    Tri Counties Bank 6848 Q Skyway Paradise, CA 95969 Full Service B&M $124,151
    Tri Counties Bank 699 Portola Drive San Francisco, CA 94127 Full Service B&M $31,317
    Tri Counties Bank 700 El Camino Real Redwood City, CA 94063 Full Service B&M $65,132
    Tri Counties Bank 700 Onstott Road Yuba City, CA 95991 Full Service Retail $38,130
    Tri Counties Bank 7020 North Marks Avenue, Suite 101 Fresno, CA 93711 Full Service B&M $49,294
    Tri Counties Bank 7061 State Highway 3 Hayfork, CA 96041 Full Service B&M $21,528
    Tri Counties Bank 709 Sutton Way, Suite A Grass Valley, CA 95945 Full Service B&M $102,354
    Tri Counties Bank 727 South Main Street Red Bluff, CA 96080 Full Service Retail $38,674
    Tri Counties Bank 756 Main Street Half Moon Bay, CA 94019 Full Service B&M $84,793
    Tri Counties Bank 76405 Covelo Road Covelo, CA 95428 Full Service B&M $44,847
    Tri Counties Bank 780 Mangrove Avenue Chico, CA 95926 Full Service B&M $531,691
    Tri Counties Bank 789 High Street Auburn, CA 95603 Full Service B&M $91,231
    Tri Counties Bank 801 K Street, Suite 110 Sacramento, CA 95814 Full Service Retail $99,679
    Tri Counties Bank 819 4th Street Santa Rosa, CA 95404 Full Service B&M $42,421
    Tri Counties Bank 838 West Harris Street Eureka, CA 95503 Full Service B&M $20,784
    Tri Counties Bank 844 Bridge Street Colusa, CA 95932 Full Service B&M $110,647
    Tri Counties Bank 880 E. Cypress Avenue Redding, CA 96002 Full Service B&M $130,408
    Tri Counties Bank 890 Fortress Street Chico, CA 95973 Full Service Cyber Office $11,967
    Tri Counties Bank 904 E Street, Suite A Marysville, CA 95901 Full Service B&M $34,867
    Tri Counties Bank 909 Main Street Fortuna, CA 95540 Full Service B&M $38,172
    Tri Counties Bank 9125 Deschutes Road Palo Cedro, CA 96073 Full Service B&M $118,304
    Tri Counties Bank 936 Third Street Crescent City, CA 95531 Full Service B&M $94,115
    Tri Counties Bank 9411 Midway Road Durham, CA 95938 Full Service B&M $135,648
    Tri Counties Bank 975 El Camino Real South San Francisco, CA 94080 Full Service B&M $242,277

    For 2020, Tri Counties Bank had 77 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $267,183
    Net interest income $260,281
    Total noninterest income $55,290
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $15,939
    Trading account gains and fees $0
    Additional Noninterest Income $39,351
    Pre-tax net operating income $90,766
    Securities gains (or losses, -) $71
    Income before extraordinary items $67,270
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $67,270
    Minority interest net income $0
    Net income $67,270
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $67,213

    Tri Counties Bank's gross interest income from loans was $267,183,000.
    Tri Counties Bank's net interest income from loans was $260,281,000.
    Tri Counties Bank's fee based income from loans was $15,939,000.
    Tri Counties Bank's net income from loans was $67,270,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,902
    Provision for credit losses $42,813
    Total noninterest expense $181,992
    Salaries and employee benefits $112,122
    Premises and equipment expense $20,232
    Additional noninterest expense $49,638
    Applicable income taxes $23,567
    Net charge-offs $-130
    Cash dividends $63,419

    Tri Counties Bank's interest expense for loans was $6,902,000.
    Tri Counties Bank's payroll and benefits expense were $112,122,000.
    Tri Counties Bank's property, plant and equipment expenses $20,232,000.

    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 1.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 1.0%
    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 1.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $6,510,754
    Deposits held in domestic offices $6,510,754
    Deposits by Individuals, partnerships, and corporations $6,276,772
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $232,220
    Deposits by Commercial banks and other depository institutions in U.S. $1,762
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $2,644,108
    Demand deposits $2,586,337
    Nontransaction accounts $3,866,646
    Money market deposit accounts (MMDAs) $2,838,882
    Other savings deposits (excluding MMDAs) $683,197
    Total time deposits $344,567
    Total time and savings deposits $3,924,417
    Noninterest-bearing deposits $2,586,337
    Interest-bearing deposits $3,924,417
    Retail deposits $6,440,607
    IRAs and Keogh plan accounts $51,058
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $7,629,234
    Cash & Balances due from depository institutions $661,074
    Interest-bearing balances $592,297
    Total securities $1,701,851
    Federal funds sold & reverse repurchase $0
    Net loans and leases $4,677,548
    Loan and leases loss allowance $91,847
    Trading account assets $0
    Bank premises and fixed assets $111,577
    Other real estate owned $2,844
    Goodwill and other intangibles $243,797
    All other assets $230,543

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $7,629,234
    Total Liabilities $6,661,284
    Total deposits $6,510,754
    Interest-bearing deposits $3,924,417
    Deposits held in domestic offices $6,510,754
    % insured (estimated) $73
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $26,914
    Subordinated debt $0
    All other liabilities $123,616

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $4,677,548
    Loan and leases loss allowance $91,847
    Total loans and leases (domestic) $4,769,395
    All real estate loans $4,117,088
    Real estate loans in domestic offices $4,117,088
    Construction and development loans $284,842
    Residential 1-4 family construction $29,901
    Other construction, all land development and other land $254,941
    Loans secured by nonfarm nonresidential properties $2,159,930
    Nonfarm nonresidential secured by owner-occupied properties $624,375
    Commercial real estate & other non-farm, non-residential $1,535,555
    Multifamily residential real estate $639,480
    1-4 family residential loans $880,344
    Farmland loans $152,492
    Loans held in foreign offices $0
    Farm loans $44,164
    Commercial and industrial loans $526,327
    To non-U.S. addressees $0
    Loans to individuals $77,700
    Credit card loans $400
    Related Plans $1,085
    Consumer Auto Loans $70,603
    Other loans to individuals $5,612
    All other loans & leases $4,116
    Loans to foreign governments and official institutions $0
    Other loans $332
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $9,410
    Loans secured by real estate to non-U.S. addressees $189
    Restructured Loans & leases $5,078
    Non 1-4 family restructured loans & leases $4,364
    Total loans and leases (foreign) $0

    Tri Counties Bank had $4,677,548,000 of loans outstanding in 2020. $4,117,088,000 of loans were in real estate loans. $284,842,000 of loans were in development loans. $639,480,000 of loans were in multifamily mortgage loans. $880,344,000 of loans were in 1-4 family mortgage loans. $44,164,000 of loans were in farm loans. $400,000 of loans were in credit card loans. $70,603,000 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 1,667 $546,541 $327,859
    Nonfarm, nonresidential loans - <$100k 115 $5,025 $43,696
    Nonfarm, nonresidential loans - $100-250k 421 $54,791 $130,145
    Nonfarm, nonresidential loans - $250k-1MM 1,131 $486,725 $430,349
    Commercial & Industrial, US addressed loans - <$1MM 5,970 $328,713 $55,061
    Commercial & Industrial, US addressed loans - <$100k 4,433 $89,472 $20,183
    Commercial & Industrial, US addressed loans - $100-250k 962 $88,735 $92,240
    Commercial & Industrial, US addressed loans - $250k-1MM 575 $150,506 $261,750
    Farmland loans - <$1MM 157 $29,914 $190,535
    Farmland loans - <$100k 19 $900 $47,368
    Farmland loans - $100-250k 57 $7,725 $135,526
    Farmland loans - $250k-1MM 81 $21,289 $262,827
    Agriculture operations loans - <$1MM 172 $10,518 $61,151
    Agriculture operations loans - <$100k 75 $1,767 $23,560
    Agriculture operations loans - $100-250k 58 $3,593 $61,948
    Agriculture operations loans - $250k-1MM 39 $5,158 $132,256