Tri Counties Bank (FDIC #21943): Bank Stress & Real-Estate Credit Exposure

Tri Counties Bank (FDIC Cert #21943): bank stress 49/100, moderate, STABLE over 7 days; parent TRICO BANCSHARES.

Tri Counties Bank (#21943) lends in 27 counties across 1 state; Tri Counties Bank (#21943) reaches 684 ZIP codes: California 27 counties, 684 ZIPs.

Tri Counties Bank (#21943) largest markets: Fresno County, CA (60 branches, 60 ZIPs) (#21943), Sacramento County, CA (174 branches, 58 ZIPs) (#21943), Kern County, CA (212 branches, 53 ZIPs) (#21943), Contra Costa County, CA (49 branches, 49 ZIPs) (#21943), Tulare County, CA (45 branches, 45 ZIPs) (#21943), Sonoma County, CA (40 branches, 40 ZIPs) (#21943).

Tri Counties Bank (#21943) reports $9.93 billion in total assets; Tri Counties Bank (#21943) equity $1.38 billion (13.9% of Tri Counties Bank (#21943) assets); Tri Counties Bank (#21943) domestic deposits $8.37 billion; Tri Counties Bank (#21943) net income $69.3 million; Tri Counties Bank (#21943) return on assets 1.40%; Tri Counties Bank (#21943) return on equity 10.14%; Tri Counties Bank (#21943) net interest income $186.2 million; Tri Counties Bank (#21943) call report June 30, 2026.

Tri Counties Bank (#21943) noncurrent real-estate loans: none reported; Tri Counties Bank (#21943) net charge-offs on real estate 0.96%; Tri Counties Bank (#21943) multifamily charge-offs 0.08%; Tri Counties Bank (#21943) residential charge-offs 0.73%.

Tri Counties Bank (#21943) net interest margin 4.16% against an eight-quarter Tri Counties Bank (#21943) average of 3.95% (Tri Counties Bank (#21943) compression -0.21 points); Tri Counties Bank (#21943) real-estate loans 0.3% of equity; Tri Counties Bank (#21943) non-residential real estate 72.6% of equity; Tri Counties Bank (#21943) rate-exposure score 40/100, Tri Counties Bank (#21943) fixed-rate trap 40/100; Tri Counties Bank (#21943) risk type credit driven; Tri Counties Bank (#21943) rate regime rates elevated, Tri Counties Bank (#21943) snapshot October 19, 2026.

Tri Counties Bank (#21943) stress score moved from 48.3 on June 22, 2026 to 48.8 on October 19, 2026; Tri Counties Bank (#21943) ranged 48.3 to 48.8 over 116 snapshots.

Tri Counties Bank (#21943) alerts: 27 counties; top Tri Counties Bank (#21943) alert scores: San Francisco County, CA 39 (moderate); Sacramento County, CA 37 (moderate); Fresno County, CA 35 (low); Colusa County, CA 34 (low); Brentwood County, CA 18 (low).