Tri Counties Bank

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.

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

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

• Retail banking services
• Community banking
• Agricultural lending
• Treasury management
• Commercial real estate loans

Headquarters

HQ city

Chico

HQ country

United States

HQ region

North America

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. 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.
2. 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.
3. 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.
4. 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

Go-to-market motion2 records

Distribution channels7 records

Marketing channels5 records

Core 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

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

Four partnerships are on record, tiered minor and core.

• IRS VITA Program PartnersminorStrategic or Co-development Partner · 15 June 2026Tri 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 StateminorStrategic or Co-development Partner · 23 February 2026Partnership 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).
• MoneyPasscoreTechnology or IntegrationPartnership 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 JamescoreChannel Partner/ Reseller/ DistributorInvestment 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

Market position

Competitive moat2 records

Key risks4 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/TriCountiesBank
• Instagraminstagram.com/tricountiesbank
• YouTubeyoutube.com/@tricountiesbank
• LinkedInlinkedin.com/company/tri-counties-bank
• TikToktiktok.com/@tricountiesbank
• Xx.com/TriCountiesBank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&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