BlastPoint's Banking Scorecard
Tri Counties Bank
Mid-Market
Specialty: Commercial
CA
FDIC cert 21943
Chico, CA
201
banks in Mid-Market tier nationally
18 in CA
View Mid-Market leaderboard (CA) →
Tri Counties Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 36% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.8B
+1.5% YoY
-0.5% QoQ
|
-$636.0M |
$10.5B
+2.9% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$7.0B
+5.2% YoY
+1.5% QoQ
|
-$143.4M |
$7.1B
+4.5% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$8.3B
+2.1% YoY
-0.8% QoQ
|
-$269.1M |
$8.5B
+3.0% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
1.27%
+2.6% YoY
+3.6% QoQ
|
+0.10% |
1.16%
+9.4% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
4.02%
+5.1% YoY
+1.4% QoQ
|
+0.62% |
3.40%
+7.9% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
55.89%
-1.5% YoY
-1.4% QoQ
|
-0.71% |
56.60%
-3.2% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
0.92%
+38.5% YoY
-3.6% QoQ
|
+0.23% |
0.68%
+12.0% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
84.50%
+3.0% YoY
+2.3% QoQ
|
-0.98% |
85.47%
+1.1% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
31.44%
-0.6% YoY
+2.8% QoQ
|
+10.80% |
20.64%
-0.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
0.72%
+48.0% YoY
-0.3% QoQ
|
+0.22% |
0.50%
+7.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
13.72%
-4.3% YoY
-0.3% QoQ
|
+0.17% |
13.55%
+1.8% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.70%
+4.7% YoY
+33.3% QoQ
|
-0.26% |
0.96%
+7.1% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
55% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#32 of 87 · Bottom 36% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 31.44% · Tier avg: 20.64%
79
79th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.40%
66
66th pctile
Total Assets
Current: $9.8B · Tier avg: $10.5B
64
64th pctile
Total Loans
Current: $7.0B · Tier avg: $7.1B
64
64th pctile
Total Deposits
Current: $8.3B · Tier avg: $8.5B
64
64th pctile
Tier 1 Capital Ratio
Current: 13.72% · Tier avg: 13.55%
60
60th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.16%
57
57th pctile
Loan-to-Deposit Ratio
Current: 84.50% · Tier avg: 85.47%
56
56th pctile
Efficiency Ratio
Current: 55.89% · Tier avg: 56.60%
55
55th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.96%
28
28th pctile
Delinquency Rate
Current: 0.92% · Tier avg: 0.68%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.72% · Tier avg: 0.50%
Top Weaknesses
26
26th pctile
Nonperforming Asset Ratio
Current: 0.72% · Tier avg: 0.50%
28
28th pctile
Delinquency Rate
Current: 0.92% · Tier avg: 0.68%
55
55th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.96%
56
56th pctile
Efficiency Ratio
Current: 55.89% · Tier avg: 56.60%
57
57th pctile
Loan-to-Deposit Ratio
Current: 84.50% · Tier avg: 85.47%
60
60th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.16%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.72% · Tier avg: 13.55%
64
64th pctile
Total Deposits
Current: $8.3B · Tier avg: $8.5B
64
64th pctile
Total Loans
Current: $7.0B · Tier avg: $7.1B
66
66th pctile
Total Assets
Current: $9.8B · Tier avg: $10.5B
79
79th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.40%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 31.44% · Tier avg: 20.64%