Marosi v. TriCo Bancshares CA6

California Court of Appeal·Decided July 20, 2026·No. H051989·Unpublished

Opinion

Filed 7/20/26 Marosi v. TriCo Bancshares CA6

NOT TO BE PUBLISHED IN OFFICIAL REPORTS California Rules of Court, rule 8.1115(a), prohibits courts and parties from citing or relying on opinions not certified for publication or ordered published, except as specified by rule 8.1115(b). This opinion has not been certified for publication or ordered published for purposes of rule 8.1115.

IN THE COURT OF APPEAL OF THE STATE OF CALIFORNIA

SIXTH APPELLATE DISTRICT

GILBERT MAROSI et al., H051989, H052506 (Santa Clara County Plaintiffs and Appellants, Super. Ct. No. 22CV406644)

v.

TRICO BANCSHARES,

Defendant and Respondent.

GILBERT MAROSI et al., H052427

Plaintiffs and Respondents,

Defendant and Appellant.

These three appeals involve a dispute over the titling of property. In 2013, Gilbert Marosi and Cecilia Marosi (collectively, the Marosis)1

1 For clarity, we refer to the Marosis by their first names when we refer

to them individually. purchased real property located on Alamitos Road in San Jose (the property). They financed the purchase with a loan from FNB Bancorp, which later merged with TriCo Bancshares (TriCo).2 TriCo prepared documents, which the Marosis signed, titling the property in the name of “The Living Trust of Gilbert and Cecilia Marosi, dated March 9, 1983, amended March 4, 1985 and June 5, 2008” (hereafter the Marosi Trust3). In 2022, the Marosis brought suit against TriCo, alleging that TriCo breached its contract with them by titling the property in the name of the trust instead of them as individuals. The trial court ruled that the applicable statutes of limitation had passed as to all causes of action and sustained TriCo’s demurrer without leave to amend. The court entered judgment against the Marosis and later awarded attorney fees to TriCo (fee order) and taxed some, but not all, of TriCo’s requested costs (costs order). Alleging that the Marosis’ complaint was frivolous and filed in bad faith, TriCo sought sanctions against the Marosis under Code of Civil Procedure4 section 128.5. The trial court denied the motion (sanctions order). In their appeal from the judgment, the Marosis assert that the trial court committed error in sustaining the demurrer without leave to amend. The Marosis also appeal the court’s fee and costs orders, contending that they are procedurally and legally flawed. In its appeal, TriCo challenges the court’s denial of its motion for sanctions.

2 The parties do not dispute that TriCo is the successor in interest to

FNB Bancorp, and we hereafter refer to FNB Bancorp and TriCo, individually and collectively, as TriCo. 3 The “Marosi Trust,” as used in the opinion, includes (and does not

distinguish among) various iterations of the trust’s name that appear throughout the record. 4 All further unspecified statutory references are to the Code of Civil

Procedure. 2 For the reasons set out below, we affirm the judgment, the fee order, and the sanctions order. We reverse the costs order and remand to the trial court with directions to tax certain requested costs. I. FACTS AND PROCEDURAL BACKGROUND5 A. Facts Gilbert and Cecilia Marosi are married and, at the time of the purchase of the property, were trustees of a trust entitled “the Living Trust of Gilbert and Cecilia Marosi dated March 9, 1983, as Amended March 4, 1985 and May 19, 2009.” Around May 2013, the Marosis entered into an agreement (the purchase agreement) with Twin Creek Properties LLC (Twin Creek) to buy the property. Under the terms of the purchase agreement, at the close of escrow, the Marosis would “receive a grant deed conveying title” in the property and title in the property would “vest as designated in [the Marosis’] supplemental escrow instructions.” Fidelity National Title Company of California (Fidelity) was the Marosis’ escrow agent for the purchase of the property. In October 2013, Twin Creek signed a grant deed documenting the transfer of the property from Twin Creek to the Marosis as “ ‘[t]rustees of the Living Trust of Gilbert and Cecilia Marosi, dated 3/9/83 and amended

5 Our summary of the facts is drawn from the allegations in the

Marosis’ original complaint, first amended complaint, and second amended complaint. “In reviewing a ruling sustaining a demurrer without leave to amend, we assume the truth of the properly pleaded factual allegations and the matters properly subject to judicial notice.” (Committee for Sound Water & Land Development v. City of Seaside (2022) 79 Cal.App.5th 389, 393–394.) We do not, however, assume the truth of “ ‘ “contentions, deductions or conclusions of fact or law.” ’ ” (Evans v. City of Berkeley (2006) 38 Cal.4th 1, 6.) 3 3/4/85’ ” (the grant deed). The grant deed recorded by Fidelity included at the end of the name of the Marosi Trust the handwritten words “and June 5, 2008.” The Marosis obtained a loan from TriCo to purchase the property. TriCo entered into a business loan agreement (the loan agreement) with the Marosis in their individual capacities and as trustees of “The Living Trust of Gilbert and Cecilia Marosi under the provisions of a trust agreement dated March 9, 1983.” The purpose of the loan agreement was to facilitate the grant of a commercial loan from TriCo to the Marosis. The loan agreement’s term commenced on October 18, 2013, and “continue[s] in full force and effect until such time as all of [b]orrower’s [l]oans in favor of [l]ender have been paid in full, including principal, interest, costs, expenses, attorneys’ fees, and other fees and charges, or until such time as the parties may agree in writing to terminate this [a]greement.” Under the terms of the loan agreement, the Marosis’ obligations remained in force “until such time as [b]orrower’s [i]ndebtedness shall be paid in full, or until this [a]greement shall be terminated in the manner provided above, whichever is the last to occur.” The Marosis also signed, individually and as trustees of the Marosi Trust, escrow instructions from TriCo that instructed Fidelity to arrange for the Marosis (individually and as trustees of the Marosi Trust) to execute documents pertaining to the loan, including a trust certificate, the loan agreement, and a deed of trust. The escrow instructions identified the borrower as the Marosis individually and as trustees of “The Living Trust of Gilbert and Cecilia Marosi under the provisions of a trust agreement dated March 9, 1983.”

4 On October 22, 2013, Fidelity presented the Marosis with various documents to sign, including the loan agreement, the escrow instructions, and the deed of trust. Some of the documents presented requested the Marosis’ signatures “as individuals and/or as trustees” of the Marosi Trust. The Marosis purchased the property in October 2013. In April 2017, the Marosis’ son, Ricardo, caused to be recorded with the Santa Clara County Clerk-Recorder an affidavit of change of trustee (the April 2017 affidavit) of the Marosi Trust. The April 2017 affidavit stated that Ricardo succeeded Gilbert and Cecilia as trustee on March 23, 2017, and it attached a “resignation of trustees” (capitalization & underscoring omitted) that Gilbert and Cecilia had signed. The April 2017 affidavit stated that the Marosi Trust held interest in the property. On June 2, 2017, Ricardo signed, as trustee of the Marosi Trust, a transfer deed (later recorded with the Santa Clara County Clerk-Recorder) conveying the property to an entity called 23760 Alamitos Road LLC. On or about December 29, 2017, First American Title Insurance Company (First American) sent to the Marosis at their personal address a notice of default and election to sell under deed of trust (notice of default). The notice of default informed the Marosis that the property was in foreclosure because they were behind in their loan repayments.

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