Unverified listing What this means
The Lender Report built this page from public records. Tri Counties Bank has not reviewed it. Every lender's page starts this way, and it says nothing about Tri Counties Bank itself. Each figure shows its source and date. Work at Tri Counties Bank? You can claim this page for free.
Bank, Chico, CA
Tri Counties Bank
A bank based in Chico, CA. Its commercial book is led by non-owner-occupied CRE and multifamily. Public files show recent multifamily, 1-4 unit investor and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $5.77B
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 53
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 78
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $9.93B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 800-922-8742 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.tcbk.comFrom the FDIC record, November 9, 2026.
- Commercial lending page
- tcbk.comFrom the lender's website, retrieved November 11, 2026.
- Address
- 63 Constitution Dr, Chico, CA 95973FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Tri Counties Bank originated 53 multifamily loans in 2025, versus 42 in 2024. HMDA,
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 1 opened, 2 closed, 2 relocated.FDIC structure history. | FDIC history |
| Fiscal 2026 | The holding company reported a balance of $737.5M still held on loans originated in fiscal 2026.Group level: the registrant and all of its subsidiaries together. A balance, not the amount originated. | SEC 10-Q and 10-K filings, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 5.6% to $2.6B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Multifamily balance rose 12.3% to $1.2B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 4.4% to $1B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 9.7% to $622.7M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
| 2024 | Reported making 1,247 small business loans totaling $228.6M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. | FFIEC CRA disclosure data |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Jun 2026 | California | SBA 504, Other Chemical and Allied Products Merchant Wholesalers | $1.4M | 25 yr | SBA FOIA | ||
| Jun 2026 | California | SBA 504, Offices of Mental Health Practitioners (except Physicians) | $280K | 25 yr | SBA FOIA | ||
| May 2026 | California | SBA 504, Hotels (except Casino Hotels) and Motels | $9.8M | 25 yr | SBA FOIA | ||
| May 2026 | California | SBA 504, Offices of Lawyers | $270K | 25 yr | SBA FOIA | ||
| Feb 2026 | California | SBA 504, Retail Trade | $1.6M | 25 yr | SBA FOIA | ||
| Feb 2026 | California | SBA 504, Health Care and Social Assistance | $850K | 25 yr | SBA FOIA | ||
| Jan 2026 | California | SBA 504, Professional, Scientific, and Technical Services | $430K | 25 yr | SBA FOIA | ||
| 2025 | Butte County, CA | Purchase, 50 to 99 units | $22M | 5.86% | 19.2 yr | 74% | HMDA 2025 |
| 2025 | Sacramento County, CA | Purchase, 100 to 149 units | $22M | 7.34% | 10 yr | 56% | HMDA 2025 |
| 2025 | Fresno County, CA | Purchase, 50 to 99 units | $20M | 5.9% | 5 yr | 61% | HMDA 2025 |
| 2025 | Fresno County, CA | Refinance, 100 to 149 units | $12M | 5.87% | 10 yr | 65% | HMDA 2025 |
| 2025 | Fresno County, CA | Purchase, 50 to 99 units | $11M | 6% | 10 yr | 54% | HMDA 2025 |
| 2025 | Madera County, CA | Refinance, 50 to 99 units | $7M | 5.87% | 10 yr | 63% | HMDA 2025 |
| 2025 | San Jose-Sunnyvale-Santa Clara, CA | Refinance, 25 to 49 units | $5M | 5.95% | 10 yr | 50% | HMDA 2025 |
| 2025 | Los Angeles County, CA | Refinance, 5 to 24 units | $4.3M | 5.9% | 10 yr | 70% | HMDA 2025 |
| 2025 | Alameda County, CA | Purchase, 5 to 24 units | $3.6M | 6.45% | 10 yr | 52% | HMDA 2025 |
| 2025 | Clark County, NV | Refinance, 25 to 49 units | $3.4M | 6.2% | 10 yr | 43% | HMDA 2025 |
| 2025 | Fresno County, CA | Purchase, 50 to 99 units | $3.2M | 6.33% | 10 yr | 59% | HMDA 2025 |
| 2025 | Napa County, CA | Refinance, 25 to 49 units | $3.1M | 6.25% | 10 yr | 61% | HMDA 2025 |
| 2025 | San Francisco County, CA | Refinance, 5 to 24 units | $2.7M | 5.8% | 10 yr | 64% | HMDA 2025 |
| 2025 | Fresno County, CA | Purchase, 25 to 49 units | $2.4M | 6.49% | 10 yr | 63% | HMDA 2025 |
| 2025 | Butte County, CA | Purchase, 50 to 99 units | $2.2M | 8.5% | 10.5 yr | 50% | HMDA 2025 |
| 2025 | Kern County, CA | Refinance, 5 to 24 units | $2.1M | 6.1% | 10 yr | 55% | HMDA 2025 |
| 2025 | Marin County, CA | Purchase, 5 to 24 units | $2.1M | 8% | 11 yr | 59% | HMDA 2025 |
| 2025 | San Francisco County, CA | Refinance, 5 to 24 units | $2.1M | 5.94% | 10 yr | 51% | HMDA 2025 |
| 53 multifamily loans made in 2025 | $159M | HMDA 2025 | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $1.16B | 15.8% | +12.3% |
| Construction and land development | $298M | 4.1% | -2.1% |
| Owner-occupied CRE | $1.04B | 14.2% | +4.4% |
| Non-owner-occupied CRE | $2.58B | 35.2% | +5.6% |
| Farmland | $240M | 3.3% | -9.3% |
| Commercial and industrial | $461M | 6.3% | +7.5% |
| Commercial total | $5.77B |
Reference only: $1.26B of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $5.27B |
| Q4 2023 | $5.31B |
| Q1 2024 | $5.32B |
| Q2 2024 | $5.27B |
| Q3 2024 | $5.22B |
| Q4 2024 | $5.30B |
| Q1 2025 | $5.36B |
| Q2 2025 | $5.46B |
| Q3 2025 | $5.50B |
| Q4 2025 | $5.57B |
| Q1 2026 | $5.59B |
| Q2 2026 | $5.77B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 53 | $159M | $1.43M | $22M | HMDA, |
| Multifamily, 5 or more units | 2024 | 42 | $148M | $1.05M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 54 | $18.7M | $215K | HMDA, | |
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 78 | $99.4M | $638K | $9.8M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 504 first liens: its name and state.
Programs on record: Federal Home Loan Bank member, San Francisco district (FHFA).
Small business loans reported under CRA
FFIEC CRA, 2024
- Tri Counties Bank reported making 1,247 small business loans totaling $228,629,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 776 of $100,000 or less, 174 over $100,000 up to $250,000, 297 over $250,000 up to $1 million.
- 606 of them, totaling $65,478,000, went to businesses with revenue of $1 million or less.
- Tri Counties Bank reported making 111 small farm loans totaling $16,549,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 61 of $100,000 or less, 23 over $100,000 up to $250,000, 27 over $250,000 up to $500,000.
- 75 of them, totaling $9,656,000, went to farms with revenue of $1 million or less.
| County | Loans | Total |
|---|---|---|
| Kern County, CA | 177 | $50.1M |
| Shasta County, CA | 138 | $11.8M |
| Butte County, CA | 135 | $17.7M |
| Sacramento County, CA | 109 | $24.0M |
| Placer County, CA | 67 | $8.99M |
| San Mateo County, CA | 65 | $8.79M |
| Nevada County, CA | 62 | $5.82M |
| San Francisco County, CA | 56 | $14.7M |
| Fresno County, CA | 42 | $13.2M |
| Stanislaus County, CA | 39 | $6.17M |
| County | Loans | Total |
|---|---|---|
| Glenn County, CA | 24 | $3.62M |
| Colusa County, CA | 21 | $3.61M |
| Butte County, CA | 13 | $1.72M |
| Merced County, CA | 8 | $447K |
| Shasta County, CA | 8 | $619K |
| Kern County, CA | 7 | $1.65M |
| Sutter County, CA | 7 | $709K |
In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.
Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.
How this filing was tied to this bank: FDIC certificate (respondent ID) + transmittal RSSD.
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Tri Counties Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $72,432,000 for 1-4 family residential construction and $540,417,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $646,144,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 3,019 | $34.2M |
| Over $100,000 up to $250,000 | 433 | $25.5M |
| Over $250,000 up to $1 million | 413 | $65.8M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 42 | $1.94M |
| Over $100,000 up to $250,000 | 326 | $42.5M |
| Over $250,000 up to $1 million | 1,176 | $501M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 6 | $316K |
| Over $100,000 up to $250,000 | 44 | $5.42M |
| Over $250,000 up to $500,000 | 75 | $15.6M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 37 | $1.21M |
| Over $100,000 up to $250,000 | 40 | $3.81M |
| Over $250,000 up to $500,000 | 31 | $3.54M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| California HQ | 77 | 52 | 54 | 0 | 78 |
| Nevada | 0 | 1 | 0 | 0 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| Kern County, CA | 17 | $41.1M |
| Fresno County, CA | 11 | $53.6M |
| San Francisco County, CA | 9 | $12.5M |
| Alameda County, CA | 7 | $27.7M |
| Butte County, CA | 6 | $44.7M |
| Sacramento County, CA | 6 | $24.4M |
| Los Angeles County, CA | 6 | $12.7M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Bakersfield-Delano, CA | 17 | $41.1M |
| Fresno, CA | 12 | $60.6M |
| San Francisco-San Mateo-Redwood City, CA | 12 | $17.6M |
| Oakland-Fremont-Berkeley, CA | 7 | $27.7M |
| Chico, CA | 6 | $44.7M |
| Sacramento-Roseville-Folsom, CA | 6 | $24.4M |
| Los Angeles-Long Beach-Glendale, CA | 6 | $12.7M |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Tri Counties Bank has 69 offices in 27 counties and 1 state (FDIC Summary of Deposits, June 30, 2026): 69 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Shasta County, CA | 10 | 0 |
| Butte County, CA | 8 | 0 |
| San Mateo County, CA | 8 | 0 |
| Kern County, CA | 4 | 0 |
| Humboldt County, CA | 3 | 0 |
| Nevada County, CA | 3 | 0 |
| Placer County, CA | 3 | 0 |
| Sacramento County, CA | 3 | 0 |
| Siskiyou County, CA | 3 | 0 |
| Stanislaus County, CA | 3 | 0 |
| Glenn County, CA | 2 | 0 |
| Mendocino County, CA | 2 | 0 |
| San Francisco County, CA | 2 | 0 |
| Trinity County, CA | 2 | 0 |
| Colusa County, CA | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $195M | $84.7M to $343M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 309.4% | 210.3% to 537.4% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 22.9% | 1.4% to 75.5% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 87.3% | 73.2% to 97.0% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $623M | $140M to $991M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn, up 9.7% from a year earlier. | FDIC call report, |
| Loans to assets | 73.7% | 56.4% to 84.1% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Poppy Bank | CA | $8.32B | $4.74B |
| Hanmi Bank | CA | $7.95B | $5.30B |
| Farmers and Merchants Bank of Long Beach | CA | $11.8B | $5.35B |
| Community West Bank | CA | $5.02B | $2.66B |
| Five Star Bank | CA | $5.38B | $4.02B |
| Preferred Bank | CA | $7.73B | $5.50B |
| Fremont Bank | CA | $5.97B | $2.18B |
| Citizens Business Bank, National Association | CA | $21.2B | $10.8B |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Tri Counties Bank, FDIC certificate 21943. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $9.93B in total assets and $5.77B in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 227 recorded loans from HMDA and SBA files, through September 30, 2026: 53 HMDA multifamily 2025, 42 HMDA multifamily 2024, 54 HMDA 1-4 unit investor 2025, 78 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Tri Counties Bank]
- Phone and website. Phone 800-922-8742, from the lender's website on November 9, 2026. Website tcbk.com, from the FDIC record. [How to reach them]
- Small business loans reported under CRA. 1,247 small business loans reported in its CRA filing for 2024. [Source]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- FDIC
- FDIC certificate
- 21943
- RSSD
- 100562
- LEI
- 549300W0YBCUV18HSR42
- The Lender Report ID
- lr_000192
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- Chico, CA
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $9.9B in total assets as of June 30, 2026 (FDIC call report).
- Held $5.8B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $2.6B of non-owner-occupied commercial real estate loans as of June 30, 2026, up 5.6% from a year earlier (FDIC call report).
- Held $1.2B of multifamily loans as of June 30, 2026, up 12.3% from a year earlier (FDIC call report).
- Held $1B of owner-occupied commercial real estate loans as of June 30, 2026, up 4.4% from a year earlier (FDIC call report).
- Originated 53 multifamily loans totaling $159.3M in 2025 (HMDA).
10 more sentences
- Originated 42 multifamily loans totaling $147.6M in 2024 (HMDA).
- Originated 54 1-4 unit investor or business-purpose loans totaling $18.7M in 2025 (HMDA).
- Provided the first lien on 80 SBA 504 projects with $99.9M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 2 were later cancelled (SBA).
- Listed 77 offices in 1 state (FDIC).
- Reported making 1,247 small business loans totaling $228.6M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Reported making 111 small farm loans totaling $16.5M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Trico Bancshares / reported in its 10-Q for the period ended 2026-09-30 that the company and all of its subsidiaries together still held $737.5M of loans originated in fiscal 2026 (SEC filing).
- Held 3,865 commercial and industrial loans that were $1 million or less when made, with a balance of $125.4M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 1,544 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $545.3M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $72.4M for 1-4 family and $540.4M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, Tri Counties Bank, https://lender.report/lender/tri-counties-bank-ca/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FFIEC CRA disclosure data, 2024
- SEC 10-Q and 10-K filings, September 30, 2026
- FDIC Summary of Deposits, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
See something wrong? Write to desk@lender.report or use the correction form. We reply within 2 business days and fix confirmed errors within 10. We correct our own mistakes at once. Where the public record itself is wrong, we show the lender's correction beside it and tell you how to ask the agency to fix the source. Correction form. Names identify institutions and imply no affiliation.
We publish data about lenders and sell advertising. We are not a bank or lender, and we do not make credit decisions, take applications, negotiate terms or arrange loans through this site. Using this site creates no broker, advisory or fiduciary relationship. Commercial-purpose loans only. Nothing here is an offer to lend or a promise that any lender will offer you a loan.
Work at Tri Counties Bank? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem