1 star ratingAverage User Rating:
1 star rating based on 1 review.

Tri Counties Bank

Tri Counties Bank Locations
63 Constitution Drive
Chico, CA 95973
(559) 435-8089
www.tcbk.com

Tri Counties Bank is headquartered in Chico and is the 24th largest bank in the state of California. It is also the 279th largest bank in the nation. It was established in 1975 and as of March of 2012, it had grown to 740 employees at 71 locations. Tri Counties Bank has a 4-star health rating.

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3.00% Reward Checking Account at Tri Counties Bank in California - 9/24/2008

Update 1/27/09: The top rate has fallen to 3.00% APY. Refer to the bottom of the post for the rate history.Tri Counties Bank is offering a reward checking account called Perfect Choice Checking. It pays 3.00% APY on balances up to $25,000 (1.00% for...



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See Rates for: Checking | Savings | Money Market

Tri Counties Bank Checking Account Rates

ApyMinMaxProduct
0.75%-$25kPlus Checking
0.05%$2,500-Leisure Line Checking

Tri Counties Bank Savings Account Rates

ApyMinMaxProduct
0.10%$25k-Tiered Savings
0.05%--Linked Savings
0.05%--Christmas Savings

Tri Counties Bank Money Market Rates

ApyMinMaxProduct
0.25%$250k-High Yield Money Market Savings
0.20%$50k-Money Market Savings

Rates updated: 5/27/2012

Data for Q1 2012


Institution Statistics


Tri Counties Bank
FDIC Certificate #21943
BankRate ReportView
Year Established1975
Employees740
Primary RegulatorFDIC

Assets and Liabilities

Assets$2.53 billion
Loans$1.47 billion
Deposits$2.17 billion
Equity Capital$258.70 million
Loan Loss Allowance$45.45 million
Unbacked Noncurrent Loans$82.36 million
Real Estate Owned$11.50 million

Historic Data - March 2011

Assets$2.19 billion
Equity Capital$241.46 million
Loan Loss Allowance$43.22 million
Unbacked Noncurrent Loans$70.51 million
Real Estate Owned$4.47 million

Profit Margin - Quarterly

Net Interest Margin4.41%
Return on Assets0.66%
Return on Equity6.54%
Interest Income$27.16 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio2
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Tri Counties Bank had $93.86 million in non-current loans and owned real-estate with $304.15 million in equity and loan loss allowances on hand to cover it. This gives Tri Counties Bank a Texas Ratio of 30.86% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Tri Counties Bank held steady from 27.65% as of March 31, 2011 to 30.86% as of March 31, 2012, resulting in a negative change of 11.59%. This indicates that the balance sheet and financial strength for Tri Counties Bank has held steady in recent periods.
Deposit Growth5
In the past year, Tri Counties Bank has increased its total deposits by $309.85 million, resulting in 16.65% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Tri Counties Bank has shown is excellent.
Capitalization5
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Tri Counties Bank has $2.53 billion in assets with $304.15 million in equity, resulting in a capitalization level of 12.01%, which is excellent.
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Bad To Customers That Have Proven Trustworthy To Cover Account Issues.
1 stars - MARIA530 - Friday, January 13, 2012 - 3:08 PM

TRICOUNTIES BANKS ARE VERY DICRIMATIVE AND JUDGE ALL CUSTOMERS ON OTHER CUSTOMERS DOINGS....THEY DO NOT PLACE BLAME ON THE ONE WHO IS SHAMEFUL. SO IF YOU ARE WITH TRICOUTIES AND YOU MAKE GOOD AND TAKE CARE OF PAYING CREDIT OR ANY ACCOUNT YOU HAVE WITH THEM THEY WILL NOT HELP EVEN IF THEY KNOW YOU TO SHOWN YEARS OF DEDICATED COVERAGE ON PAYING OR COVERING ALL ISSUE WHEN EMERGENCY CAME UP OR NEEDS TO BE COVERED. AND YOU GET TOLD ONE THING BY MAIN CUSTOMER BRANCH AND ONE YOU BANK WITH TELLS YOU OPPOSITE. THE BANK CLAIMS THEY ARE A FAMILY ORIENTED CARING HELPING BANK THEY ARE AS MONEY HUNGRY UNFEELING BANK LIKE WELLS FARGO OR BANK OF AMERICA. JUST BE AWARE IF YOU BANK WITH TRICOUNTIES BANK YOU ARE LABEL UNTRUSTWORTHY EVEN IF YOU PROVEN YEAR OF TRUSTWORTHINESS.

3
 
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