Tri Counties Bank
Tri Counties Bank is a California community bank and subsidiary of TriCo Bancshares, operating 67 branches across Northern and Central California to serve consumers, small businesses, agricultural operations, and commercial clients with deposits, loans, treasury management, and wealth services.
- Company typePrivate
- Founded1975
- HeadquartersChico, United States
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What Tri Counties Bank does
Tri Counties Bank is a California-based community bank and wholly-owned subsidiary of TriCo Bancshares (NASDAQ: TCBK), operating 67 branch locations across 21+ counties in Northern and Central California. The bank serves four primary customer segments — individual consumers, small business owners, agricultural operations, and commercial/institutional customers (including public sector and nonprofit entities) — through a full-service platform spanning deposits, lending, treasury management, wealth management, and merchant services. Core revenue streams include interest income on loans (mortgages, HELOCs, commercial, agricultural, and consumer loans), deposit account fees, card interchange, and treasury management fees, with product pricing structured around monthly maintenance fees (typically $5–$12) that can be waived through balance or activity thresholds.
The bank's technology architecture combines a traditional core banking platform with digital channels including online banking, iOS/Android mobile apps, the Trico Business Express small business platform, and the Trico Treasury Center commercial banking platform. Security features include MoneyPass ATM network access (~40,000 surcharge-free ATMs), debit card fraud alerts via SMS, secure email encryption, and mobile wallet integration (Apple Pay, Google Pay, Samsung Pay). Distribution is hybrid: 67 physical branches provide relationship-based banking with local decision-making, complemented by self-service digital channels for account opening, mobile deposit, bill pay, and account management. Wealth management services are delivered through a partnership with Raymond James, while the bank operates specialty verticals for food and agribusiness, public sector, and nonprofit banking. Three completed acquisitions (North Valley Bank 2014, First National Bank of Northern California 2017, Valley Republic Bank 2021) demonstrate an active inorganic growth playbook focused on California community bank consolidation, contributing to the parent company's near-$10 billion asset base and 146 consecutive quarterly cash dividends.
Tri Counties Bank firmographics
Firmographics- Name
- Tri Counties Bank
- Legal name
- Tri Counties Bank
- Website
- https://tcbk.com
- Company type
- Private
- Founded year
- 1975
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Tri Counties Bank is a California community bank and subsidiary of TriCo Bancshares, operating 67 branches across Northern and Central California to serve consumers, small businesses, agricultural operations, and commercial clients with deposits, loans, treasury management, and wealth services.
- Ownership category
- akta.pro rank
Tri Counties Bank industry classification
Industry- Product category
- Retail Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)
Keywords
Where Tri Counties Bank is headquartered
LocationHeadquarters
- HQ city
- Chico
- HQ country
- United States
- HQ region
- North America
Offices10 records
Markets served
Tri Counties Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income: The primary revenue stream comes from interest earned on loans including mortgages, commercial loans, agricultural loans, personal loans, and credit lines. Interest is earned on both fixed-rate and variable-rate products.
- Deposit Account Fees: Monthly maintenance fees on checking and savings accounts, ATM fees for out-of-network usage, paper statement fees, and check printing fees. Fee structures vary by account type with options to waive fees through balance or activity requirements.
- Card Interchange: Revenue generated from Visa debit card transactions including point-of-sale purchases and ATM withdrawals. Includes zero liability protection and 24/7 fraud monitoring services.
- Treasury Management Services: Fees for business banking services including ACH origination, wire transfers, remote deposit capture, Positive Pay, and other cash management solutions through Trico Business Express and Trico Treasury Center.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Trico Essential Checking - Basic checking for everyday users |
| Subscription | Monthly | Trico Premier Checking - Premium checking for higher balance customers |
| Subscription | Monthly | Money Smart Checking - Second-chance account for rebuilding credit |
| Subscription | Monthly | Student Smart Checking - For high school students ages 13-18 |
| Other | Pay-as-you-go | Home Equity Lines of Credit |
| One time/ perpetual license | Monthly | Personal Loans |
| Other | Pay-as-you-go | Small Farm Lines of Credit |
Go-to-market motion2 records
Distribution channels7 records
Marketing channels5 records
Tri Counties Bank product offering
Product offeringCore offering
Tri Counties Bank is a California community bank providing personal and business banking products including checking, savings, CDs, mortgages, home equity, auto and personal loans, agricultural lending, commercial banking, treasury management, and merchant services. The bank operates 67 branches across Northern and Central California with digital banking channels. It is a wholly-owned subsidiary of publicly-traded TriCo Bancshares (NASDAQ: TCBK).
Product overview
Tri Counties Bank is a California-based community bank offering a comprehensive suite of personal and business banking products. The bank operates a platform-plus-modules architecture with core banking products (checking, savings, loans) supplemented by digital banking tools (Online/Mobile Banking, Bill Pay, Alerts), treasury management services (Trico Business Express for small business, Trico Treasury Center for commercial clients), and specialized lending divisions (agriculture, food & agribusiness, public sector). Key product lines include mortgage and home equity lending, consumer loans, commercial lending, agriculture loans, merchant services, and digital account management tools. The bank also provides value-added services including financial calculators (via Dinkytown.net), fraud protection features, and secure communication tools.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts Personal checking account products including Trico Essential Checking, Trico Premier Checking, Money Smart Checking (second-chance account), and Student Smart Checking. Features include Visa Debit Cards, online banking, mobile deposit, and access to approximately 40,000 MoneyPass ATMs.
- Savings and Money Market Accounts Personal savings products including regular savings, money market accounts, Health Savings Accounts, minor savings accounts for ages 13-18, and IntraFi Cash Service (ICS) for FDIC coverage above $250,000.
- Certificates of Deposit (CDs) Personal CD products including standard CDs, retirement CDs (IRAs), education savings (CESAs), and CDARS for expanded FDIC coverage across various term lengths.
- Mortgage Loans Home purchase and refinance loans including conventional mortgages, FHA loans, and home buyer assistance programs. Features local Home Mortgage Specialists and streamlined online application via LoanPilot.
- Home Equity Lines of Credit (HELOC) Home equity credit lines allowing homeowners to access available equity. Standard HELOCs from $10,000 to $400,000 and Rental Home Equity Lines from $25,000 to $250,000.
- Auto and Vehicle Loans Financing for vehicle purchases including auto loans, truck loans, motorcycles, boats, trailers, and RVs with competitive rates for loans $5,000 and above.
- Personal Loans Unsecured personal loans for medical expenses, auto repairs, home improvements, and debt consolidation. Also includes secured lending options using CD or savings as collateral.
- Credit Cards Visa Credit Cards with zero liability protection and 24/7 monitoring to prevent unauthorized transactions.
- Business Checking Accounts Business checking products including popular business checking, specialized accounts, public funds savings, and tiered business savings. Includes Trico Business Express online banking.
- Business Loans and Credit
- Agriculture Loans Agricultural lending products including Small Farm Programs (up to $250,000), Crops and Livestock Lines of Credit, Agricultural Land loans, Agricultural Equipment financing, and USDA Business & Industry and Farm Service Agency loans.
- Treasury Management Services Cash management solutions including ACH payments, wire transfers, Remote Deposit Capture (RDC), Positive Pay, and secure messaging. Offered through Trico Business Express (small business) and Trico Treasury Center (commercial).
- Merchant Services Payment processing services for business merchants, enabling acceptance of card payments and point-of-sale transactions.
- Online and Mobile Banking Digital banking platform enabling customers to check balances, transfer funds, pay bills, deposit checks, set alerts, and manage accounts 24/7 via web or mobile app. Includes Bill Pay, Mobile Check Deposit, and credit score monitoring.
- Trico Business Express Online banking platform for small businesses offering real-time balance viewing, user management, payment scheduling, fund transfers, check image access, eStatements, ACH/Wire payments, and Remote Deposit Capture.
- Trico Treasury Center Commercial online banking platform for complex businesses with customizable dashboard, robust reporting, secure messaging, self-administration, and full treasury management services accessed via Trico Secure Browser.
- Visa Debit Cards Debit cards with Zero Liability Protection, 24/7 fraud monitoring, mobile wallet compatibility (Apple Pay, Google Pay, Samsung Pay), and access to approximately 40,000 surcharge-free MoneyPass ATMs.
- Private Banking Banking services for high-net-worth individuals and families requiring specialized financial solutions.
- Public Sector Banking Specialized banking services for government entities, nonprofits, and public funds including public funds savings and CD accounts.
- Food and Agribusiness Specialty Banking Specialty banking vertical focused on food and agriculture businesses with tailored lending and cash management solutions.
- Commercial Real Estate Lending Commercial real estate lending providing comprehensive financial solutions for businesses with superior service and flexibility.
Quantifiable outcome
- 146 consecutive quarterly cash dividends representing five decades of uninterrupted shareholder payouts
- +3 more outcomes
Companies that use Tri Counties Bank
Customer profileSegments4 records
Ideal customer profiles4 records
Tri Counties Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature5 records
Tri Counties Bank partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered minor and core.
- IRS VITA Program PartnersminorTri Counties Bank partnered with six community organizations to deliver VITA (Volunteer Income Tax Assistance) services at 15 branches across 10 California counties, helping 600+ low-income families receive $1,269,012 in tax refunds.
- Community Foundation of the North StateminorPartnership to award $110,000 in scholarships to 80 graduating high school seniors from 68 high schools across 21 Northern and Central California counties. 60 students received income-based scholarships ($1,500) and 20 received merit-based scholarships ($1,000).
- MoneyPasscorePartnership providing Tri Counties Bank customers access to approximately 40,000 surcharge-free ATMs nationwide through the MoneyPass network. Customers can locate surcharge-free ATMs using the bank's branch locator.
- Raymond JamescoreInvestment services partnership through Tri Counties Advisors and Wealth Management Group, providing wealth management and investment services to bank customers via Raymond James platform.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
Tri Counties Bank competitors and assessment
Company assessmentMarket position
Competitive moat2 records
Key risks4 records
Key highlights6 records
Customer concentration
Tri Counties Bank social profiles
Digital presenceTri Counties Bank compliance and trust
Trust signalCompliance3 records
Tri Counties Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tri Counties Bank leadership team
Management profileNumber of profiles
Profiles6 records
Tri Counties Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tri Counties Bank M&A and investment
M&A and investmentM&A3 records
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Tri Counties Bank
What does Tri Counties Bank do?
Tri Counties Bank is a California community bank providing personal and business banking products including checking, savings, CDs, mortgages, home equity, auto and personal loans, agricultural lending, commercial banking, treasury management, and merchant services. The bank operates 67 branches across Northern and Central California with digital banking channels. It is a wholly-owned subsidiary of publicly-traded TriCo Bancshares (NASDAQ: TCBK).
Is Tri Counties Bank a public or private company?
Tri Counties Bank is a private company. It is classified as public and is currently operating.
When was Tri Counties Bank founded?
Tri Counties Bank was founded in 1975. It employs 1,001 to 5,000 people.
Where is Tri Counties Bank based?
Tri Counties Bank is headquartered in Chico, United States, in the North America region.
How does Tri Counties Bank make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are deposit Account Fees, card Interchange and treasury Management Services.
Does Tri Counties Bank have an API?
No public API is recorded for Tri Counties Bank.
What industry is Tri Counties Bank in?
Tri Counties Bank's product category is Retail Banking. Its primary akta.pro industry code is FSABAAAE, Branch & In-Person Banking (Teller/ATM Networks). Its NAICS code is 52211 and its SIC code is 6022.