🏦Bank Scorer

TRI COUNTIES BANK

CHICO, CA · Supervised by FDIC

Est. 1975FDIC #21,943RSSD: FDIC-21943
Part ofTRICO BANCSHARES→ View all charters
Outstanding Up

Current rating · Exam: July 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.39%

Institution Profile

FDIC BankFind

Address

63 Constitution Dr, CHICO, CA

County

Butte County

Established

March 11, 1975

Total Assets

$9.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jul 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$9.9B

Total Deposits

$8.4B

Net Loans

$6.9B

Net Income

$34M

ROA

1.39%

ROE

10.09%

Risk-Based Capital

15.01%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate27.86%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

70

Branch Deposits

$8.4B

1-Year Change

0

5-year net change: -7 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,93553.7%27.86%
20232,09950.31%31.68%
20223,60554.2%29.13%
20214,24856.1%24.46%
20203,58956.2%24.30%
20194,20150.63%32.52%
20184,42544.79%37.40%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

12 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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