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819 4th Street
Santa Rosa
CA, 95404
United States
Kristen Black

About Tri Counties Bank



Tri Counties Bank offers a unique brand of customer Service With Solutions® providing a breadth of personal, small business and commercial banking services serving communities throughout Northern and Central California, including Santa Rosa and the San Francisco Peninsula.

Established in 1975 and with assets of over $6.5 billion, Tri Counties Bank is a wholly-owned subsidiary of TriCo Bancshares (NASDAQ:TCBK) headquartered in Chico, California.

In addition to its extensive California branch network, Tri Counties Bank provides easy access to its services with advanced online and mobile banking, a nationwide network of over 32,000 surcharge-free ATMs, and bankers available by phone seven days per week.


In Santa Rosa, to learn more call (707) 522-5480, visit the branch at 819 4th Street or visit


Business Services



Our unique brand of Service With Solutions® provides a breadth of financial services, business knowledge and personalized problem solving. It’s a “come to you” style of full-service relationship banking built to last for years.


Your Tri Counties Bank Business Banker is a financial services expert dedicated to understanding you and your business, and will coordinate with other specialists to construct and update a custom portfolio of financial services to help your business grow and thrive.


Treasury Management Services

Commercial Financing &

Real Estate Loans

Equipment Loans & Leases

Merchant Services

Small Business Lending

SBA Guaranteed Loans

Agricultural Financing

USDA Business & Industry Loans

Julianna Graham
Julianna Graham
Senior Vice President, Area Manager North Bay
Tri Counties Bank, Santa Rosa
Julianna has over 30 years of experience in banking and a proven record of growing relationships and assisting customers in achieving their financial goals. She leads a team of specialists delivering a unique brand of Service With Solutions® to personal, small business and commercial banking clients throughout the North Bay region.
Julianna has deep roots in the community. She is currently a faculty member of the Pacific Coast Banking School, and serves on the Timothy Murphy School Board, Sonoma County Alliance Board and North Bay Leadership Council.
Trinidad Rios
Trinidad Rios
Business Relationship Manager
Tri Counties Bank, Santa Rosa
Trinidad Rios is a lifelong Sonoma County resident with more than 25 years of business banking experience, and has a proven record of assisting businesses with achieving their financial goals. Trinidad Rios is a graduate of the University of San Francisco. He actively participated with the following organizations: Healdsburg Boys and Girls Club, Sonoma County Hispanic Chamber of Commerce, Business Network International (BNI), Sonoma County Alzheimer’s Association, Sonoma County Section on Aging, and Sonoma County Masters Network.
Deanna Schutz
Deanna Schutz
Treasury Management Officer
Tri Counties Bank, Santa Rosa
Deanna has more than 13 years of experience serving Sonoma County businesses with her deep and diverse background in financial services and assisting customers achieve their financial goals.
Deanna is passionate about helping people and her community. She currently serves as the President of Verity Sonoma County, a local nonprofit organization serving women in crisis, and is a member of the Rotary Club of Santa Rosa, Business Network International (BNI), Santa Rosa Metro Chamber and the North Bay Association of Realtors (NorBAR).
CEO Rick Smith on Who We Are
CEO Rick Smith on Who We Are
Hear from Tri Counties Bank CEO, Rick Smith, on who we are and why we do what we do.

News Archive

Fuel Your Growing Business with Business Lending Solutions
01 October, 2019

Take advantage of our limited-time business loan offers. 

New equipment can power business expansion, improve productivity and reduce operating expenses. Plus, a business line of credit can help improve working capital, cash flow and help meet unexpected business needs.

Contact us today to get started. Our Business Team is committed to providing exceptional service and the expertise to help your business thrive. It’s a unique brand of banking we call Service With Solutions®

Business Lending Solutions PDF

1 Prime + 0% Variable Introductory Annual Percentage Rate (APR) for 6 months on new Business Lines of Credit with commitment amounts between $100,000 and $500,000 for qualified applicants who apply by December 31, 2019. To get the Introductory Rate, borrower must maintain a qualifying Tri Counties Bank business checking account. The Introductory Rate of Prime + 0% APR includes a discount for Automatic Funds Transfer (AFT) from a Tri Counties Bank checking account; without AFT the APR will increase by 4.00% or the fully indexed rate, whichever is less. After the 6-month Introductory Rate expires, the APR is a Variable Rate calculated by adding a margin to the monthly Prime Rate as published in The Wall Street Journal, Western Edition. The Prime Rate was 5.25% as of September 1, 2019. The margin will be determined based on your creditworthiness.

2 Equipment Exclusions: Restaurant Equipment, Fitness Equipment and Personal Computers (desktops, laptops and related peripherals). Minimum loan amount $10,000. Maximum loan amount for offer is $500,000. Other loan amounts up to $1,000,000, based on collateral and credit qualifications available. Maximum loan amount for 100% financing is $500,000. Fixed Rate may vary based on credit qualifications, qualified new or used equipment and/or dealer purchase contract and is subject to underwriting approval. No cash out for refinancing of existing equipment debt. Rates subject to change at Bank’s discretion at any time. Other conditions may apply. Length of term and loan to value (LTV) will be determined by condition of the collateral and its remaining useful life. See branch for details.

Agriculture Custom Tailored Banking Services
03 September, 2019

Solutions for Maximum growth 

Tri Counties Bank has a long, rich history of financing agricultural operations throughout California’s Central Valley. We are proud to support you with the financing tools you need to be successful and maximize your profits.

We also offer a wide array of online tools. Our cash management systems provide tools to help you manage your business cash flow by helping you to more efficiently collect and disburse money. We offer cost-effective solutions that enhance the visibility, reliability and security of internal controls that improve your collections, better time your payments and reduce fraud or losses. These services can also free up staff time to focus on other aspects of your business.

We can help you grow and thrive by assisting with:

  • Crop Production
  • Permanent Planting
  • Refinancing
  • Capital Improvements
  • Acquisition & Expansion
  • Agricultural Property Financing
  • Herd & Feed Financing
  • Equipment Financing
  • Small Farm Programs

Put the experience and knowledge of the Tri Counties Bank Commercial Lending team to work for you.


Cash Management Services

Merchant Services

Commercial and Small Business Financing

  • Lines of Credit
  • Working Capital
  • Business Expansion
  • Debt Restructure
  • Equipment Loans and Leases
  • SBA Preferred Lending

Agriculture Financing

USDA Business and Industry Loans

Real Estate Financing

  • Office, Industrial, Retail and Special Purpose
  • Multi-Family Dwellings
  • Construction
  • Equity Access
  • SBA 504 Program

At Tri Counties Bank, our breadth of financial services, business knowledge and personalized problem solving provides a unique brand of Service with Solutions.

Download the Business Agriculture Banking Services Flier

Competitive and Flexible Equipment Leasing Solutions
22 August, 2019

Why Lease? 

For many business owners, leasing makes good economic sense. Leasing typically requires no down payment, and a portion of equipment costs can be deferred to the end of the lease term. There are no pre-payment penalties, no non-utilization fees, and no compensation balance requirements.


  • Operate equipment you need without incurring risk of ownership or obsolescence.
  • Obtain significant tax benefits by expensing lease payments instead of depreciating assets.
  • Improve cash flow by obtaining a low, fixed rate payment.
  • Match equipment budgets to dollars available via pre-approved lease lines of credit.
  • Eliminate the need to apply for credit every time a capital need arises.
  • Lease up to 100% of the cost of a project, including soft costs or non-recurring costs.
  • Reduce your balance sheet debt, improve financial ratios, and provide your company with an additional source of financing.
  • Minimize equipment operating costs; use equipment only for as long as it is productive and efficient.
  • Utilize a Sale-Leaseback to refinance equipment purchased at an earlier date. Use this cash infusion on higher return alternatives and improve overall business profitability.

Use Our Value-Added Leasing Approach 

COMPETITIVE Unlike other leasing companies, we do not use one size-fits-all rates. We tailor a lease to your unique situation and consider your transaction size, term, type of asset, lease structure, and the financial requirements of your company.

ACCESSIBLE We are quick and responsive. Our leasing and credit officers are at the ready to serve you with personal attention.

KNOWLEDGEABLE We are committed to ongoing education and training in the field of leasing and financing so that we’re experts for you today…and tomorrow.

FLEXIBLE Our terms typically range from 2 to 7 years and include installation periods as well as skipped payment plans. This means you will receive a Lease Agreement that is flexible enough for you.

CONVENIENT We’re your one-stop source. Use our Master Lease to reduce your paperwork and help establish a lease line of credit at a competitive fixed rate.

What types of equipment can I lease? 

You can lease any type of capital equipment used to generate income or support your business operations.

Some examples include:

  • farming and agriculture
  • trucks, tractors, and trailers
  • food processing
  • equipment
  • construction equipment
  • machinery and production equipment
  • warehouse racking and shelving
  • forklifts and material handling equipment
  • bar-coding devices computer software, equipment and peripherals
  • furniture office equipment
  • telecommunications systems
  • printing and publication equipment
  • petroleum equipment
  • restaurant and food service equipment
  • test equipment

At Tri Counties Bank, our breadth of financial services, business banker knowledge, local insight and personalized problem solving provides a unique brand of Service With SolutionsTM.

Download the Business Equipment Leasing Flier

Ready to start?

Call or email:
Marc Shapiro
Account Executive

Tri Counties Bank eyes expansion into California Wine Country ag lending
19 June, 2019

Santa Rosa and the North Bay are not the first areas many people think of when they think of Tri Counties Bank, but President and CEO Rick Smith wants to change all that.

Opening its lone Sonoma County and North Bay Branch after a merger with North Valley Bank in 2014, Tri Counties has looked for ways to expand its loan business in the area, particularly in the agricultural sector.

Read the full article

Title Name Email Phone
Senior Vice President, Area Manager North Bay Julianna Graham 707.522.5490
Treasury Management Officer Deanna Schutz 707.522.5499
Business Relationship Manager Trinidad Rios 707-522-5487 Ext (87187)