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Tri Counties Bank
Chico, CA·FDIC Cert #21943·Charter: STATE·Est. 19750311.0·HC: TRICO BANCSHARES
Total Assets
$9.8B
Q4 2025
Return on Assets
1.27%
+0.04%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
55.89%
Peer avg: 56.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.27%+0.04
ROE
9.26%+0.28
Efficiency
55.89%-0.81
Equity/Assets
0.00%+0.00
NPL Ratio
0.92%-0.03
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
84.50%+1.94
Charge-offs
0.14%-0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 1.2 | 1.2 | 1.2 | 1.1 | 1.2 | 1.2 | 1.3 |
| ROE | 9.3 | 9.5 | 9.4 | 9.4 | 8.4 | 8.5 | 9.0 | 9.3 |
| Efficiency | 55.1 | 56.1 | 56.6 | 56.8 | 57.9 | 57.6 | 56.7 | 55.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.5 | 0.6 | 0.7 | 0.8 | 0.9 | 1.0 | 0.9 |
| Charge-offs | 0.1 | 0.1 | 0.0 | 0.0 | -0.0 | 0.2 | 0.2 | 0.1 |
| Loan/Deposit | 83.5 | 82.1 | 81.5 | 82.0 | 81.5 | 81.5 | 82.6 | 84.5 |
Balance Sheet
Total Assets$9.8B
Total Deposits$8.3B
Total Loans$7.0B
Total Equity$1.4B
Profitability
ROA1.27%
ROE9.26%
Efficiency Ratio55.89%
Net Income$124.4M
Risk & Asset Quality
NPL Ratio0.92%
Charge-off Rate0.14%
Loan/Deposit84.50%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans