Tri Counties Bank Expands in Southern California: Strategic Site Selection Drives $167M in Loan Growth
Planting roots for growth in Southern California
Client
Tri Counties Bank
Location
Pasadena, Irvine, and Carlsbad, California
When Tri Counties Bank set its sights on Southern California, it wasn’t just about opening new doors. It was about unlocking opportunity. The bank needed three new Commercial Lending Centers (CLCs) that could serve middle-market businesses seeking loans between $5 million and $50 million. But location was everything. The challenge? Finding sites that balanced visibility, accessibility, and proximity to the bank’s target customer base while keeping costs in check.
5780 Fleet Street
2030 Main Street
Irvine, California
That’s where the strategy came in. Through a detailed trade area analysis, our team identified pockets of potential in Pasadena, Irvine, and Carlsbad. These are all vibrant business communities with the right mix of demand and demographic alignment. Each site was chosen not just for its address, but for its ability to connect the bank with the people it was built to serve.
The results were immediate, and productivity surged. The success of the initial three locations sparked a ripple effect, leading to further expansion into Walnut Creek, San Mateo, and Visalia. Today, Tri Counties Bank is actively negotiating renewals and exploring new footprints to support continued growth across the region.
And the impact? Over $167 million in increased loan volume. A testament to what happens when strategy meets execution, and when a bank commits to being where its clients need it most.
Construction
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Project management
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