Tri Counties Bank Launches Latest Branch in San Francisco's West Portal Area
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Sep 12 2025
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Should l Buy TCBK?
Source: Newsfilter
New Branch Opening: Tri Counties Bank has opened a new full-service branch in the West Portal neighborhood of San Francisco, aimed at providing personalized financial solutions to local businesses and residents.
Customer-Centric Services: The West Portal branch features dedicated customer parking, relationship desks for personalized banking experiences, and a 24/7 walk-up ATM, emphasizing the bank's commitment to exceptional service and community engagement.
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Analyst Views on TCBK
Wall Street analysts forecast TCBK stock price to rise
4 Analyst Rating
2 Buy
2 Hold
0 Sell
Moderate Buy
Current: 49.950
Low
46.00
Averages
50.00
High
57.00
Current: 49.950
Low
46.00
Averages
50.00
High
57.00
About TCBK
TriCo Bancshares is a bank holding company. The Company’s principal business is to serve as the holding company for its subsidiary, Tri Counties Bank, a California-chartered commercial bank (the Bank). The Bank provides a breadth of personal, small business and commercial financial services, including accepting demand, savings and time deposits and making small business, commercial, real estate, and consumer loans, as well as a range of treasury management services and other customary banking services, including safe deposit boxes at some branches. The Bank offers a variety of banking and financial services to both personal, small business and commercial customers. Brokerage services are provided at the Bank’s offices by Tri Counties Wealth Management Advisors. In addition, it has five capital trusts, which are all wholly owned trust subsidiaries formed for the purpose of issuing trust preferred securities (Trust Preferred Securities) and lending the proceeds to the Company.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Margin Improvement: The increase in loan production has also led to a noticeable lift in TriCo's margins, enhancing profitability and providing funding support for future investments and expansions, indicating a healthy financial status.
- Stable Credit Quality: DA Davidson emphasized that TriCo's credit quality remains sound, with evident expense control in 2025, showcasing effective management of costs and risks, which helps bolster investor confidence.
See More
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- Price Target Cut: Bernstein lowered Abbott Laboratories' price target from $154 to $125 while maintaining an Outperform rating, indicating cautious sentiment regarding the company's future growth prospects.
- TriCo Bancshares Upgrade: DA Davidson raised the price target for TriCo Bancshares from $51 to $54, keeping a Neutral rating, which reflects recognition of the company's stable performance.
- Texas Capital Bancshares Target Increase: RBC Capital raised the price target for Texas Capital Bancshares from $105 to $110 while maintaining a Sector Perform rating, suggesting analysts' optimism about its future profitability.
- Meta Platforms Price Target Reduction: Wells Fargo cut Meta Platforms' price target from $795 to $754, despite maintaining an Overweight rating, indicating concerns about its short-term market performance.
See More
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- Net Interest Income Growth: The net interest income (FTE) reached $92.5 million, an increase of $2.7 million or 2.97% over the prior quarter, demonstrating the company's ongoing potential for revenue growth from interest.
- Loan Balance Increase: Loan balances rose by $104.3 million or 6.0% annualized from the previous quarter and increased by $342.6 million from the same quarter last year, reflecting strong demand in the credit market.
- Deposit Balance Changes: Deposit balances decreased by $70.6 million or 3.4% annualized from the prior quarter but increased by $176.3 million from the same quarter last year, indicating both challenges and opportunities in the company's deposit management.
See More
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- Interest Income Increase: Despite recent cuts in the federal funds rate, TriCo's net interest income rose to $92.2 million, a 3.0% quarter-over-quarter increase, indicating effective asset-liability management in a changing interest rate environment.
- Loan and Asset Quality Improvement: As of December 31, 2025, total loans reached $7.11 billion, up 5.1% year-over-year, while the classified loan ratio decreased to 1.78%, reflecting effective credit risk management measures by the company.
- Shareholder Return Program: The company's board approved a share repurchase program for up to 2 million shares, representing an estimated total value of $97.1 million, showcasing confidence in future growth and commitment to shareholders.
See More
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- Interest Income Growth: The net interest income reached $92.5 million, marking a 2.97% increase quarter-over-quarter, with the net interest margin rising to 4.02%, indicating effective management of income and costs in a changing interest rate environment.
- Loan and Deposit Dynamics: Loan balances increased by $104.3 million, representing an annualized growth rate of 6%, while deposit balances decreased by $70.6 million, reflecting challenges in deposit management against a backdrop of strong loan demand.
- Credit Loss Reserves: The provision for credit losses was $3.0 million in Q4, significantly up by 347.8% from the previous quarter, reflecting a cautious approach to potential credit risks, although overall asset quality remained stable.
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