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. Their top markets by origination volume include: San Francisco, Chico, Sacramento, Fresno, and Redding among others. We have data for 38 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% 4/28/24
    30 Year Conventional Purchase 6.20% 4/28/24
    30 Year Conventional Refi 6.36% 4/28/24
    30 Year Cash-out Refi 6.76% 4/28/24
    30 Year FHA Purchase 6.27% 4/28/24
    30 Year USDA Purchase 6.27% 4/28/24
    15 Year Conventional Purchase 5.52% 4/28/24
    15 Year Conventional Refi 5.41% 4/28/24
    15 Year Cash-out Refi 5.41% 4/28/24
    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

    2,383

    Origination Dollar Volume (All Markets)

    $918,695,000

    Employee count

    1,074 Show all (7) 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
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 173 $147,365,000 $851,821 $4,042 4.03%
    CHICO, CA (FHA|USDA|VA) 405 $123,265,000 $304,358 $3,181 3.89%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 310 $103,290,000 $333,194 $3,562 4.03%
    FRESNO, CA (FHA|USDA|VA) 44 $87,130,000 $1,980,227 $4,244 4.05%
    REDDING, CA (FHA|USDA|VA) 378 $56,770,000 $150,185 $2,788 3.89%
    Outside of Metro Areas 266 $44,130,000 $165,902 $3,042 3.82%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 22 $38,660,000 $1,757,273 $4,277 3.61%
    VISALIA, CA (FHA|USDA|VA) 23 $38,635,000 $1,679,783 $2,948 3.42%
    MODESTO, CA (FHA|USDA|VA) 72 $34,390,000 $477,639 $3,602 3.74%
    Crescent City, CA (FHA|USDA|VA) 48 $29,060,000 $605,417 $3,227 3.59%
    Truckee-Grass Valley, CA (FHA|USDA|VA) 129 $26,595,000 $206,163 $2,920 4.12%
    BAKERSFIELD, CA (FHA|USDA|VA) 36 $26,030,000 $723,056 $4,151 3.97%
    YUBA CITY, CA (FHA|USDA|VA) 101 $24,105,000 $238,663 $2,950 3.99%
    Eureka-Arcata, CA (FHA|USDA|VA) 114 $20,730,000 $181,842 $3,193 3.69%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 5 $19,135,000 $3,827,000 $0 4.47%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 9 $13,515,000 $1,501,667 $7,083 3.20%
    STOCKTON, CA (FHA|USDA|VA) 17 $11,405,000 $670,882 $3,335 4.09%
    SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 26 $9,770,000 $375,769 $3,780 3.66%
    Red Bluff, CA (FHA|USDA|VA) 57 $9,535,000 $167,281 $3,026 3.98%
    SALINAS, CA (FHA|USDA|VA) 4 $9,480,000 $2,370,000 $6,635 2.75%
    CARSON CITY, NV (FHA|USDA|VA) 4 $5,910,000 $1,477,500 $0 4.50%
    MERCED, CA (FHA|USDA|VA) 35 $5,375,000 $153,571 $3,055 3.74%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 3 $5,255,000 $1,751,667 $8,006 3.42%
    Clearlake, CA (FHA|USDA|VA) 26 $4,970,000 $191,154 $3,480 3.97%
    SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 2 $4,650,000 $2,325,000 $0 4.08%
    MADERA, CA (FHA|USDA|VA) 29 $4,065,000 $140,172 $3,301 4.35%
    Ukiah, CA (FHA|USDA|VA) 14 $3,690,000 $263,571 $3,651 3.21%
    NAPA, CA (FHA|USDA|VA) 2 $3,470,000 $1,735,000 $6,921 3.75%
    RENO, NV (FHA|USDA|VA) 3 $2,195,000 $731,667 $7,144 3.42%
    VALLEJO, CA (FHA|USDA|VA) 7 $2,055,000 $293,571 $5,128 4.13%
    SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 4 $1,180,000 $295,000 $2,864 3.81%
    Susanville, CA (FHA|USDA|VA) 7 $915,000 $130,714 $3,022 3.48%
    Brookings, OR (FHA|USDA|VA) 2 $650,000 $325,000 $2,711 3.63%
    Sonora, CA (FHA|USDA|VA) 2 $360,000 $180,000 $0 4.50%
    MEDFORD, OR (FHA|USDA|VA) 1 $345,000 $345,000 $3,868 3.38%
    BEND, OR (FHA|USDA|VA) 1 $255,000 $255,000 $0 4.75%
    Fernley, NV (FHA|USDA|VA) 1 $185,000 $185,000 $0 3.75%
    SALEM, OR (FHA|USDA|VA) 1 $175,000 $175,000 $3,590 3.88%
    Tri Counties Bank's top markets include San Francisco, Chico, Sacramento, Fresno, and Redding among others.

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

    El Dorado Savings Bank, F.S.B.
    Similarity Rank: 816
    HERITAGE COMMUNITY CREDIT UNION
    Similarity Rank: 1134
    1ST NORTHERN CALIFORNIA
    Similarity Rank: 1164
    Valley First Credit Union
    Similarity Rank: 1358
    CommonWealth Central Credit Union
    Similarity Rank: 1428
    CALLISTO GROUP, INC.
    Similarity Rank: 2150
    SAN FRANCISCO FEDERAL CREDIT UNION
    Similarity Rank: 2191
    Educational Employees Credit Union
    Similarity Rank: 2398
    SAN DIEGO COUNTY CREDIT UNION
    Similarity Rank: 2715
    SAFEAMERICA CREDIT UNION
    Similarity Rank: 2895

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,287 $735,195,000 $571,247 $3,294 3.29%
    HELOC 1,096 $183,500,000 $167,427 n/a 4.62%

    For 2021, Tri Counties Bank's most frequently originated type of loan was Conventional, with 1,287 originations. Their 2nd most popular type was HELOC, with 1,096 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 704 $405,960,000 $576,648 $3,024 3.47%
    Other 548 $84,730,000 $154,617 $3,481 4.58%
    Cash Out Refi 416 $105,690,000 $254,063 $3,037 3.31%
    Home Improvement 371 $49,485,000 $133,383 $2,838 4.61%
    Home Purchase 344 $272,830,000 $793,110 $4,388 3.65%

    For 2021, Tri Counties Bank's most frequently cited loan purpose was Refi, with 704 originations. The 2nd most popular reason was Other, with 548 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30+ year 1,080 $169,830,000 $157,250 $0 4.62%
    30 Year 883 $295,835,000 $335,034 $3,463 3.34%
    15 Year 241 $105,075,000 $435,996 $2,792 2.84%
    10 Year 113 $298,895,000 $2,645,088 $2,813 3.80%
    20 Year 38 $9,130,000 $240,263 $3,029 3.31%
    5 Year 20 $13,750,000 $687,500 $0 4.53%
    Other 8 $26,180,000 $3,272,500 $930 4.04%

    For 2021, Tri Counties Bank's most frequently cited loan duration was 30+ year, with 1,080 originations. The 2nd most popular length was 30 Year, with 883 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 714 $225,120,000 $315,294
    $<1k 175 $56,915,000 $325,229
    $2k-3k 70 $19,460,000 $278,000
    $3k-4k 32 $9,010,000 $281,563
    $5k+ 22 $10,020,000 $455,455
    $4k-5k 12 $5,560,000 $463,333

    Tri Counties Bank's average total fees were $3,463, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 714 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 1,138 $325,850,000 $286,336
    3-4% 685 $387,185,000 $565,234
    2.5-3% 403 $167,765,000 $416,290
    <2.5% 71 $29,435,000 $414,577
    5-6% 70 $7,720,000 $110,286
    6-7% 12 $610,000 $50,833
    Over 8% 1 $55,000 $55,000

    During 2021, Tri Counties Bank's average interest rate for loans was 3.34%, while their most frequently originated rate bucket for loans was 4-5%, with 1,138 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 783 $109,225,000 $139,496 $2,693 3.79%
    $200k-400k 672 $179,160,000 $266,607 $3,372 3.79%
    $100,000 or less 546 $31,180,000 $57,106 $2,402 4.35%
    $400k-600k 178 $85,360,000 $479,551 $4,121 3.76%
    $600k-1MM 103 $77,815,000 $755,485 $4,373 3.55%
    $1MM+ 101 $435,955,000 $4,316,386 $6,181 3.70%

    2021 saw Tri Counties Bank place emphasis on $100k-200k loans with 783 originations, totaling $109,225,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 401 $60,465,000 $150,786 $3,023 3.90%
    $100k-150k 389 $84,155,000 $216,337 $3,506 4.04%
    $50k or less 354 $42,820,000 $120,960 $2,763 3.93%
    $75k-100k 304 $52,230,000 $171,809 $3,319 4.01%
    $150k-250k 279 $72,665,000 $260,448 $3,456 4.17%
    $250k+ 231 $123,285,000 $533,701 $4,835 3.95%

    Tri Counties Bank lent most frequently to those with incomes in the $50k-75k range, with 401 originations. The second most popular income band? $100k-150k, with 389 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 575 $113,755,000 $197,835 $3,151 3.99%
    30-36% 445 $97,925,000 $220,056 $3,159 3.91%
    <20% 388 $83,300,000 $214,691 $3,192 4.06%
    40% 84 $16,810,000 $200,119 $3,327 3.96%
    38% 84 $18,470,000 $219,881 $3,207 4.16%
    41% 79 $18,185,000 $230,190 $3,260 3.94%
    39% 77 $16,435,000 $213,442 $3,102 3.81%
    36% 74 $16,600,000 $224,324 $3,610 3.75%
    42% 69 $13,075,000 $189,493 $3,203 3.96%
    43% 64 $19,780,000 $309,063 $3,190 3.60%
    44% 64 $17,700,000 $276,563 $3,440 3.42%
    37% 62 $12,530,000 $202,097 $3,396 4.14%
    46% 45 $18,015,000 $400,333 $3,485 3.39%
    45% 37 $14,115,000 $381,486 $3,574 3.24%
    47% 36 $10,540,000 $292,778 $3,322 3.23%
    49% 34 $13,090,000 $385,000 $3,922 3.24%
    48% 33 $8,235,000 $249,545 $3,080 3.20%
    50-60% 12 $13,660,000 $1,138,333 $5,138 2.96%
    >60% 6 $10,330,000 $1,721,667 $5,952 3.29%

    Tri Counties Bank lent most frequently to those with DTI ratios of 20-30%, with 575 originations. The next most common DTI ratio? 30-36%, with 445 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,776 $440,870,000 $248,238 $3,264 3.84%
    Not applicable 83 $326,205,000 $3,930,181 $0 4.20%
    Not provided 310 $80,300,000 $259,032 $3,390 4.14%
    Asian 153 $58,595,000 $382,974 $3,565 3.93%
    Black 20 $5,160,000 $258,000 $3,555 3.93%
    American Indian 31 $4,895,000 $157,903 $3,302 4.06%
    Native Hawaiian or Islander 7 $1,525,000 $217,857 $3,690 4.32%
    Asian Indian 1 $605,000 $605,000 $0 4.25%
    Filipino 1 $375,000 $375,000 $2,248 3.38%
    Other Pacific Islander 1 $165,000 $165,000 $3,635 2.63%

    Approval Rates

    Total approvals of all applications
    76.35%

    Tri Counties Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    77.72%

    Tri Counties Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 2,383 $918,695,000 $385,520

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    2,383 $918,695,000 $385,520

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 671 $143,745,000 $214,225 $2,858 3.89%
    40-60% 538 $262,020,000 $487,026 $3,064 3.56%
    60-80% 466 $390,300,000 $837,554 $3,740 3.65%
    80-100% 100 $40,980,000 $409,800 $4,203 3.38%
    Over 100% 1 $17,505,000 $17,505,000 $0 4.50%
    Under 20% 606 $63,910,000 $105,462 $2,575 4.50%

    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 $112,791
    Tri Counties Bank 1020 Pleasant Grove Boulevard Roseville, CA 95678 Full Service B&M $56,239
    Tri Counties Bank 1180 Oro Dam Boulevard Oroville, CA 95965 Full Service B&M $170,433
    Tri Counties Bank 12047 Donner Pass Road Truckee, CA 96161 Full Service B&M $26,869
    Tri Counties Bank 1250 Hilltop Drive Redding, CA 96003 Full Service B&M $188,517
    Tri Counties Bank 130 Battery Street San Francisco, CA 94111 Full Service B&M $120,331
    Tri Counties Bank 1327 South Street Redding, CA 96001 Full Service B&M $258,740
    Tri Counties Bank 1441 Colusa Avenue Yuba City, CA 95993 Full Service B&M $219,976
    Tri Counties Bank 1450 Linda Mar Shopping Center Pacifica, CA 94044 Full Service B&M $154,444
    Tri Counties Bank 150 E 3rd Ave San Mateo, CA 94401 Full Service B&M $79,281
    Tri Counties Bank 1551 El Camino Real Millbrae, CA 94030 Full Service B&M $110,298
    Tri Counties Bank 1640 Central Avenue Mckinleyville, CA 95519 Full Service B&M $103,850
    Tri Counties Bank 165 South Broadway Yreka, CA 96097 Full Service B&M $93,371
    Tri Counties Bank 255 South Main Street Willits, CA 95490 Full Service B&M $84,352
    Tri Counties Bank 17 Plaza Circle Patterson, CA 95363 Full Service B&M $82,728
    Tri Counties Bank 2001 Geer Road Turlock, CA 95382 Full Service Retail $42,985
    Tri Counties Bank 201 Lake Boulevard Redding, CA 96003 Full Service Retail $57,981
    Tri Counties Bank 204 Chestnut Street Mount Shasta, CA 96067 Full Service B&M $86,436
    Tri Counties Bank 210 North Tehama Street Willows, CA 95988 Full Service B&M $156,066
    Tri Counties Bank 21097 Calistoga Street Middletown, CA 95461 Full Service B&M $52,302
    Tri Counties Bank 211 W East Avenue Chico, CA 95926 Full Service Retail $83,595
    Tri Counties Bank 2171 Pillsbury Road Chico, CA 95926 Full Service B&M $199,834
    Tri Counties Bank 2197 Chestnut Street San Francisco, CA 94123 Full Service B&M $17,416
    Tri Counties Bank 239 Stage Road Pescadero, CA 94060 Full Service B&M $34,625
    Tri Counties Bank 2400 Sand Creek Road, Sand Creek Road Brentwood, CA 94513 Full Service Retail $38,757
    Tri Counties Bank 2483 Notre Dame Blvd, Suite 100 Chico, CA 95928 Full Service B&M $68,987
    Tri Counties Bank 25025 Blue Ravine Road Folsom, CA 95630 Full Service Retail $68,419
    Tri Counties Bank 2686 Gateway Drive Anderson, CA 96007 Full Service B&M $104,983
    Tri Counties Bank 2844 F Street Eureka, CA 95501 Full Service B&M $119,961
    Tri Counties Bank 303 Main Street Weed, CA 96094 Full Service B&M $39,267
    Tri Counties Bank 305 Neal Street Grass Valley, CA 95945 Full Service B&M $111,695
    Tri Counties Bank 305 Railroad Avenue, Suite #1 Nevada City, CA 95959 Full Service B&M $113,749
    Tri Counties Bank 305 Trinity Avenue Chowchilla, CA 93610 Full Service B&M $118,101
    Tri Counties Bank 319 5th Street Gustine, CA 95322 Full Service B&M $80,665
    Tri Counties Bank 3349 Main Street Cottonwood, CA 96022 Full Service B&M $109,650
    Tri Counties Bank 3601 Pelandale Avenue, Suite E5 Modesto, CA 95356 Full Service Retail $81,588
    Tri Counties Bank 3700 Douglas Boulevard Roseville, CA 95661 Full Service B&M $160,458
    Tri Counties Bank 37093 State Hwy 299e Burney, CA 96013 Full Service B&M $36,488
    Tri Counties Bank 425 S. Mathilda Ave Sunnyvale, CA 94086 Full Service B&M $14,453
    Tri Counties Bank 43308 Highway 299 East Fall River Mills, CA 96028 Full Service B&M $90,263
    Tri Counties Bank 4650 Natomas Boulevard Sacramento, CA 95835 Full Service Retail $39,883
    Tri Counties Bank 4715 Shasta Dam Boulevard Shasta Lake, CA 96019 Full Service B&M $44,949
    Tri Counties Bank 5201 California Avenue, Suite 102 Bakersfield, CA 93309 Full Service B&M $94,700
    Tri Counties Bank 595 Main Street Weaverville, CA 96093 Full Service B&M $69,331
    Tri Counties Bank 618 W. Main Street Visalia, CA 93291 Full Service B&M $25,077
    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 $100,236
    Tri Counties Bank 6600 Mission Street Daly City, CA 94014 Full Service B&M $144,693
    Tri Counties Bank 6848 Q Skyway Paradise, CA 95969 Full Service B&M $109,020
    Tri Counties Bank 699 Portola Drive San Francisco, CA 94127 Full Service B&M $37,068
    Tri Counties Bank 700 El Camino Real Redwood City, CA 94063 Full Service B&M $64,761
    Tri Counties Bank 700 Onstott Road Yuba City, CA 95991 Full Service Retail $48,143
    Tri Counties Bank 7020 North Marks Avenue, Suite 101 Fresno, CA 93711 Full Service B&M $56,945
    Tri Counties Bank 7061 State Highway 3 Hayfork, CA 96041 Full Service B&M $22,868
    Tri Counties Bank 709 Sutton Way, Suite A Grass Valley, CA 95945 Full Service B&M $137,799
    Tri Counties Bank 727 South Main Street Red Bluff, CA 96080 Full Service Retail $41,094
    Tri Counties Bank 756 Main Street Half Moon Bay, CA 94019 Full Service B&M $90,799
    Tri Counties Bank 76405 Covelo Road Covelo, CA 95428 Full Service B&M $58,887
    Tri Counties Bank 780 Mangrove Avenue Chico, CA 95926 Full Service B&M $512,756
    Tri Counties Bank 789 High Street Auburn, CA 95603 Full Service B&M $101,174
    Tri Counties Bank 801 K Street, Suite 110 Sacramento, CA 95814 Full Service Retail $105,715
    Tri Counties Bank 819 4th Street Santa Rosa, CA 95404 Full Service B&M $41,000
    Tri Counties Bank 838 West Harris Street Eureka, CA 95503 Full Service B&M $23,835
    Tri Counties Bank 844 Bridge Street Colusa, CA 95932 Full Service B&M $123,592
    Tri Counties Bank 880 E. Cypress Avenue Redding, CA 96002 Full Service B&M $152,083
    Tri Counties Bank 890 Fortress Street Chico, CA 95973 Full Service Cyber Office $53,701
    Tri Counties Bank 904 E Street, Suite A Marysville, CA 95901 Full Service B&M $37,639
    Tri Counties Bank 909 Main Street Fortuna, CA 95540 Full Service B&M $66,446
    Tri Counties Bank 9125 Deschutes Road Palo Cedro, CA 96073 Full Service B&M $142,594
    Tri Counties Bank 936 Third Street Crescent City, CA 95531 Full Service B&M $106,372
    Tri Counties Bank 9411 Midway Road Durham, CA 95938 Full Service B&M $139,932
    Tri Counties Bank 975 El Camino Real South San Francisco, CA 94080 Full Service B&M $252,824

    For 2021, Tri Counties Bank had 72 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $277,006
    Net interest income $273,667
    Total noninterest income $64,422
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $16,140
    Trading account gains and fees $0
    Additional Noninterest Income $48,282
    Pre-tax net operating income $166,903
    Securities gains (or losses, -) $-87
    Income before extraordinary items $119,860
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $119,860
    Minority interest net income $0
    Net income $119,860
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $119,928

    Tri Counties Bank's gross interest income from loans was $277,006,000.
    Tri Counties Bank's net interest income from loans was $273,667,000.
    Tri Counties Bank's fee based income from loans was $16,140,000.
    Tri Counties Bank's net income from loans was $119,860,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,339
    Provision for credit losses $-6,775
    Total noninterest expense $177,961
    Salaries and employee benefits $106,351
    Premises and equipment expense $20,277
    Additional noninterest expense $51,333
    Applicable income taxes $46,956
    Net charge-offs $-694
    Cash dividends $31,571

    Tri Counties Bank's interest expense for loans was $3,339,000.
    Tri Counties Bank's payroll and benefits expense were $106,351,000.
    Tri Counties Bank's property, plant and equipment expenses $20,277,000.

    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 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    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 $7,372,109
    Deposits held in domestic offices $7,372,109
    Deposits by Individuals, partnerships, and corporations $7,127,630
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $241,248
    Deposits by Commercial banks and other depository institutions in U.S. $3,231
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $3,041,070
    Demand deposits $2,984,832
    Nontransaction accounts $4,331,039
    Money market deposit accounts (MMDAs) $3,191,603
    Other savings deposits (excluding MMDAs) $841,800
    Total time deposits $297,636
    Total time and savings deposits $4,387,277
    Noninterest-bearing deposits $2,984,832
    Interest-bearing deposits $4,387,277
    Retail deposits $7,328,457
    IRAs and Keogh plan accounts $50,357
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $8,608,715
    Cash & Balances due from depository institutions $768,421
    Interest-bearing balances $711,389
    Total securities $2,406,401
    Federal funds sold & reverse repurchase $0
    Net loans and leases $4,834,714
    Loan and leases loss allowance $85,376
    Trading account assets $0
    Bank premises and fixed assets $104,352
    Other real estate owned $2,594
    Goodwill and other intangibles $239,115
    All other assets $253,118

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $8,608,715
    Total Liabilities $7,561,137
    Total deposits $7,372,109
    Interest-bearing deposits $4,387,277
    Deposits held in domestic offices $7,372,109
    % insured (estimated) $70
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $50,087
    Subordinated debt $0
    All other liabilities $138,941

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $4,834,714
    Loan and leases loss allowance $85,376
    Total loans and leases (domestic) $4,920,090
    All real estate loans $4,536,274
    Real estate loans in domestic offices $4,536,274
    Construction and development loans $222,281
    Residential 1-4 family construction $23,740
    Other construction, all land development and other land $198,541
    Loans secured by nonfarm nonresidential properties $2,309,448
    Nonfarm nonresidential secured by owner-occupied properties $706,307
    Commercial real estate & other non-farm, non-residential $1,603,141
    Multifamily residential real estate $823,500
    1-4 family residential loans $1,007,939
    Farmland loans $173,106
    Loans held in foreign offices $0
    Farm loans $50,811
    Commercial and industrial loans $255,706
    To non-U.S. addressees $0
    Loans to individuals $65,013
    Credit card loans $471
    Related Plans $691
    Consumer Auto Loans $59,903
    Other loans to individuals $3,948
    All other loans & leases $12,286
    Loans to foreign governments and official institutions $0
    Other loans $2,065
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $2,345
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $9,060
    Non 1-4 family restructured loans & leases $8,075
    Total loans and leases (foreign) $0

    Tri Counties Bank had $4,834,714,000 of loans outstanding in 2021. $4,536,274,000 of loans were in real estate loans. $222,281,000 of loans were in development loans. $823,500,000 of loans were in multifamily mortgage loans. $1,007,939,000 of loans were in 1-4 family mortgage loans. $50,811,000 of loans were in farm loans. $471,000 of loans were in credit card loans. $59,903,000 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 1,612 $537,325 $333,328
    Nonfarm, nonresidential loans - <$100k 96 $3,459 $36,031
    Nonfarm, nonresidential loans - $100-250k 392 $50,355 $128,457
    Nonfarm, nonresidential loans - $250k-1MM 1,124 $483,511 $430,170
    Commercial & Industrial, US addressed loans - <$1MM 3,860 $154,886 $40,126
    Commercial & Industrial, US addressed loans - <$100k 2,868 $37,146 $12,952
    Commercial & Industrial, US addressed loans - $100-250k 572 $38,954 $68,101
    Commercial & Industrial, US addressed loans - $250k-1MM 420 $78,786 $187,586
    Farmland loans - <$1MM 134 $25,081 $187,172
    Farmland loans - <$100k 14 $711 $50,786
    Farmland loans - $100-250k 53 $6,798 $128,264
    Farmland loans - $250k-1MM 67 $17,572 $262,269
    Agriculture operations loans - <$1MM 132 $10,876 $82,394
    Agriculture operations loans - <$100k 48 $1,220 $25,417
    Agriculture operations loans - $100-250k 48 $3,344 $69,667
    Agriculture operations loans - $250k-1MM 36 $6,312 $175,333