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559-435-8089
63 Constitution Drive
Chico, CA 95973

Tri Counties Bank is headquartered in Chico and is the 25th 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 June of 2014, it had grown to 728 employees at 63 locations. Tri Counties Bank has a B+ health rating.

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Reviews (4)

Bad To Customers That Have Proven Trustworthy To Cover Account Issues.

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.

My Opinion !!!!!

IF YOU WANT TO GET FRUSTRATE, OR DO YOU WANT TO SEE OTHER PEOPLE GET IN TO YOUR MONEY AND HAVE A EXPECTATOR WATCHING YOUR MONEY GO AWAY ,AND NOT DO NOTHING ABOUT IT , ONLY A NOT PROFESSIONAL IM SORRY BUT IS NOTHING WE CAN DO!! GET ACCOUNT HERE, I THINK THIS IS THE MOST PATHETIC SERVICE AND UNPROFESSIONAL BANK SERVICE THAT I EVER EXPERIENCE IN MY LIFE!!! I HIGHLY RECOMEND THIS BANK TO PERSONS THAT GOT A GIANT PATIENCE AND A LOT OF MONEY TO NOT DO NOTHING ABOUT IT WHEN THEY NOTICE THAT $10000 USD ARE IN OTHER PEOPLE IS ACCOUNT!!!!!!!!! NOW AS A GOOD FRIEND OF ANY BODY THAT READ THIS POST , I THINK TO DO NOT GET YOUR MONEY ON THIS BANK!!!! I THINK YOUR MONEY WILL BE MORE SAFE ON TEN YEAR OLD BOY THAN ON THIS MOCKERY OF INSTITUTION!!!! I SPEAK NOT BECAUSE I GET PAY FOR DO THIS, I DO WRITE THIS FOR MY PERSONAL EXPERIENCE AND CARE TO OTHER PEOPLE LIKE ME ,THAT WORK HARD FOR OUR MONEY, AND PREVENT THIS FRUSTRATION BE ON THE DAILY PROGRAM OF THIS JOKE IF YOU CAN CALL THIS BANK!!!!!!!

Tricounties Bank Is The Worst Bank The Worst Bank Ever Next To Wells Fargo And B Of A....And Etc.

I can see why everyone is turning to credit unions type banks! TriCounties takes all your money and charges outrages charges. Now that they are more than a small town bank they have became as money hungrey bank like all the other big corparate d***wads! They give you so much overgraft then charge so matter if they pay it or return and ruin you even if it like a serious bill. Then you have proven to be good o covering it if they feel like it and of course due to their fees they take big chucks and then don't pay the immportant bills that can ruin you and your supoose to pay them for what they did not pay that ruined your reputation witha bill that is for your living not fun it can be seen which ones are important to have them pay they are dum if they can't read it is not a fun purchase made it is rediculous and they need their reputation ruined! I already reported them to every place I can including the FDIC and BBB I don't play and when it effects me and my kids ya they messed up Enemy list for reals. 

Go Somewhere Else

This bank has done everything it can to make sure I do not succeed . It says lending local, but it turns down every application for lending I have ever given . Even though I have been with them for almost 20 years. IMHO, save your time and apply anywhere else.



Health

Data for Q2 2014

Institution Health

B+

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Tri Counties Bank had $50.96 million in non-current loans and owned real-estate with $338.88 million in equity and loan loss allowances on hand to cover it. This gives Tri Counties Bank a Texas Ratio of 15.04% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Tri Counties Bank decreased slightly from 21.16% as of June 30, 2013 to 15.04% as of June 30, 2014, resulting in a positive change of 28.96%.This indicates that the balance sheet and financial strength for Tri Counties Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Tri Counties Bank has increased its total deposits by $118.81 million, resulting in 5.24% 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.

Capitalization

GRADE:
A+

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 $2.72 billion in assets with $338.88 million in equity, resulting in a capitalization level of 12.44%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #21943
Year Established1975
Employees728
Primary RegulatorFDIC
Assets and Liabilities
Assets$2.72 billion
Loans$1.70 billion
Deposits$2.39 billion
Equity Capital$298.91 million
Loan Loss Allowance$39.97 million
Unbacked Noncurrent Loans$45.69 million
Real Estate Owned$5.26 million
Historic Data - June 2013
Assets$2.59 billion
Equity Capital$277.49 million
Loan Loss Allowance$39.60 million
Unbacked Noncurrent Loans$45.69 million
Real Estate Owned$4.01 million
Profit Margin - Quarterly
Return on Assets0.96%
Return on Equity8.96%
Interest Income$55.58 million
Rates
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Tri Counties Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.08%$25k-Tiered Savings
0.02%--Linked Savings

Tri Counties Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.10%$25k-Money Market Savings

Tri Counties Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.03%$2,500-Leisure Line Checking
Locations

Tri Counties Bank has 68 locations. Click to view all Tri Counties Bank locations.