# TRI COUNTIES BANK
CHICO, CA · FDIC certificate 21943 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $9.93B | |
| Deposits | $8.37B | |
| Loans and leases | $7.31B | |
| Total equity | $1.38B | |
| Loans / deposits | 85.79% (p47 of band) | 87.10% |
| Liquid assets / assets | 18.97% (p41 of band) | |
| Uninsured deposits / deposits | 34.12% (p59 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.11% (p15 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.00% (p76 of band) | 10.50% |
| Unrealized securities loss / equity | -12.21% (p34 of band) | -7.75% |
| AOCI / equity | -0.52% (p34 of band) | |
| ROA (annualized) | 1.40% (p63 of band) | 1.26% |
| Net interest margin | 4.16% (p76 of band) | 3.70% |
| Efficiency ratio | 54.38% (p36 of band) | |
| Noncurrent loans | 0.94% (p72 of band) | 0.51% |
| Net charge-offs (annualized) | 0.02% (p49 of band) | |
| Reserve coverage of noncurrent | 189.11% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 21.63% (p19 of band) | |
| Auto loans | $27.9M (0.38% of loans; DQ 3.43%, NCO 0.00%) | |
| Loans to nondepository financials | $38.4M (3% of equity) (p80 of band) | |
| Deposits YoY | -0.1% | |
| Employees | 1115 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | noncurrent p90 |  |
| 2015-06 | 1 |  | noncurrent p90 |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 | capital falling | reserve under noncurrent |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | capital falling |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2023-06 | 1 |  | uninsured deposits leaving |
| 2023-09 | 2 | securities losses >30% of equity |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 0 |  | deposits shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-08 [Tri Counties Bank Donates $25,000 to Bring Downtown Redding Steam Whistle to Life - Business Wire](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNdEtjTUdqNzY4Z2VGeU1EaVpPVTA2VjNrazFndTJDVk5TVktNelNPQ3J5TTUtN3d0eUJXZmF1cVZvSjFVRUZNeHYyWTRfaHhFS0x0dGp4SS1aSVd4NEtIU29iTE11dHpPa2cxUXUxNmM5TU9nS3ZDeS01SHlYWGlfYXptbDBrRXAtd0JCVVdycFp6UWhIMkwzSWxEVXlGUVdDYlpQYTRWUXpfOUI5VmlmSmJQSmdma1FLcHl4UVlmZ0pRaEtLYUZxNEZfVm9CeC1fUHlvcGR3?oc=5) · Business Wire
- 2026-09-08 [CA-TRI-COUNTIES-BANK - thefacts.com](https://news.google.com/rss/articles/CBMingFBVV95cUxOdTlVMFJBT2IyMG9hRzJwT0xmUWFGRjFnXzFqWm93QnFSY19xNVdYQXFWNGtRbXpNZ2wzSmg1V0hQTEVsa3dmRG5fQTBFdzljcHQ5T1YtdFNOeXcwVmZnVGsybV8wTkxfVE92Q2dJeHlPbG9xUmpiNlpwSWgtTlFFWVYycGEwRzBZakZpcDlFNWgtSUVMeGNhTzBfaXhvQQ?oc=5) · thefacts.com
- 2026-07-13 [TriCo, First Hawaiian merge in $2B deal | Tri Counties Bank - thebusinessjournal.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQV0NtV3R0TTdlVS1iVVkxcG1LV3JYRGcyMFBXNzAzcnk4NUh3VFBZTmlZWEl3alUtbm9VcGU2UEVxQlRtZ2FTX0Yxb3ptb3EzN1FVa0pZcG9MOG1qaU9za2RXQUpDSncyV2ZPOUV1ek82X25Fai1iWGMyRWJneXZVUldMWFQ4Q3JNUkZSVHpjSnRMQQ?oc=5) · thebusinessjournal.com
- 2026-09-08 [CA-TRI-COUNTIES-BANK - Black Hills Pioneer](https://news.google.com/rss/articles/CBMirAFBVV95cUxQTjZpcmFfTjFROFg1ekFYMVJjdllOOUdGdmh0c0RFOEtaeF9ZXzFfRkdZbWdYdFJJUWVIMFRYNzhXSVFKM1JGZnRtZjc2RDI1aTVXcHk2NDlHVEFlbG9hMjI2OEJPcFdnb0E1eEVMdjM3Tnd5S0VzbUtVb2NuUlpZZlRhZ01RTm1aaHluMWRjYXY4cjF0N1BXTmhZZVhyeDAzdmFnUnBISTczQ2x6?oc=5) · Black Hills Pioneer
- 2026-07-17 [Tri Counties Bank says Aloha to First Hawaiian Bank - midvalleytimes.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxQd1p0MEQ4YndSTWdiNjRMTFJDeC1ZTVNFeV9MRGpzcXpfYkJBTnpCM0tHX0g0dHBQNmdaNWlEdVJYb0hieHpkVzZmaTVJbmoyTVVZcXVmSFdxMV9jRkRjSzczQXFzcFVBVEVHaUlvOGQza0ZmNVZmSE9kT0FzajBPcEJRbHRnTzBYV2xtUUdnZlRZUUlaVV84cG5ZUGtwbGhkZjN6VmVB?oc=5) · midvalleytimes.com
- 2026-09-08 [Tri Counties Bank Donates $25,000 to Bring Downtown Redding Steam Whistle to Life - Eagle-Tribune](https://news.google.com/rss/articles/CBMi-gFBVV95cUxNcjMzOUQ4UDQ2UnZtMkc2SmNSWnlxNEJOcW5sbUM0bEp3Q3ZaeHdYQk96MmQ1aFNVUVl2OXViWmV2LUxXUmxtelBEelk4WE1ubHVMT3dIOWxDUUxWTEpXVHJlaTg4dWFXNU53aHVRZmJZRTdESEU4eWV3bm1XVXVTcUVkcGN2RlhaMGU1MEZiaDczV1huYlh4enVVQVh0bjlCT3JjNXRHRkw2eVJzbHhHeHREVkYwaG04M29hdkc3Q1NZSkl0dnBiTU9YdjV1MWdBTFN5UWpTbnhJU3pqWWRhY2ctN2xkR0YweTJhX3ZRUzJiX09HMWJOTjB3?oc=5) · Eagle-Tribune
- 2026-07-13 [First Hawaiian Bank to acquire Tri Counties Bank - Hawaii News Now](https://news.google.com/rss/articles/CBMikAFBVV95cUxQcjQ5ckwtWl9pNkp5Q0dUeTdJYUxYS25GZTExbWk3bDZJaVJDNHBTTWxiMkdfVXdTWF8tXzlVTTlESkNyeDNOOVJSTHRjdkV2WWhuTUNrZGNRa0x5dG05U1ROWVdpb1pRc3NFb2FXZDVRUzN2dEw4MGplMUdhNlo2TnZJWUpVQUZCN3JYOHk0b3DSAaQBQVVfeXFMUEFoV09BRVkxZzVMNzFrVWNWZ2ZpZWFqTEVkS3dMc3Q5Tm1Gcjc4Z0RVZ2lLM0JTaWYweV9Pc1VRTnJ0OE9aeHJoc3hmbmFpRGJEcHh3UDRPVHRkSUNjV1FRRHhJQXpKQk00Y1FUS2NMMEdkTTZWVVBiNDRjQWthT2tabm8yZGZhU2dnenh4ZXJMMFQxcExUTVJRRkVUN2JId1ZvOWg?oc=5) · Hawaii News Now
- 2026-07-13 [Tri Counties Bank to be acquired by 168-year-old Hawaiian bank in $2 billion deal - The Press Democrat](https://news.google.com/rss/articles/CBMipgFBVV95cUxQQW56N1pUQmVSU1lDR1RhVDJlVEJLUHdGaG1VdGdjRjRnNU5jbFlBLUEwMlUyOWxFSlFNLWo2STMtRHQ3cG1qYXhUajF5TE5qVDU1cm5wX1N0YjFZMjdQRlJ2QVlkbEZvTW95aE52U1NxblBIeFo4NUZ2czBOYk9PUDU5WkduTS1ZaTBuWENoRjNoV0FsS3JneW5fdEU5VmhEa2tuWHBB?oc=5) · The Press Democrat

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21943 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/55.json (key "21943", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide