Tri Counties Bank

I was very pleased with the prompt service I received when I walked in the door. The two young ladies that helped me made me feel very comfortable.
I would recommend this bank at this time, I am looking forward to banking with this bank, I say this time due to the fact I just started banking with them and so far so good. Lol

This review is based on my experience working with Mark Edwards in the Chico Commercial Lending Department of TRI COUNTY BANK. I applied for a refinance on a commercial property in Oroville. Like always there is a tremendous amount of information that needs to be organized for an under-​writer to evaluate the deal. Mark and his staff were extremely helpful during this process. Unfortunately banks are not conducting business in a rational manner, making ultra conservative discussions. «You are in the lending business and there is some risk involved». As a result they denied my loan. This was a 60%LTV with personal guarantees and sponsors with years of experience in this industry and plenty of assets to back up the loan. The over all problem here is that community banks are going to loose there core business, guys like us who make up a big part of there deposits and who will continue to grow there businesses, needing additional financing in the future. So back to Mark, he felt bad that his bank was unwilling to make a loan that he, with all his experience believed in, so he went the extra mile and found another lender to make the loan. For this, I highly recommend Mark, even if the bank he works for is not lending on common sense. What a difficult position Mark and so many other loan brokers are put in each day, not being able to service there customers when they know the bank should be making these loans. Guys like Mark are boots on the ground and understand the market better than some senior loan committee that never gets out from behind the desk to really meet there clients and what they represent. So the saga goes on… can this country ever recover when banks continue to hold back the purse stings handicapping the heart of the US economy (Small business like mine)?