TriCo Bancshares

TriCo Bancshares is a California-based bank holding company whose principal subsidiary is Tri Counties Bank, a California-chartered commercial bank headquartered in Chico, California. Through the bank, it provides traditional banking and financial services to individuals, businesses, and communities across its primary service area in California.

227,4 %

+4,1 %

— TriCo Bancshares
%
Commercial lending45% Loans to businesses for working capital, equipment, and other financing needs.
Real estate lending30% Residential and commercial real estate loans and related financing.
Deposit services0% Demand, savings, and time deposit accounts that fund the bank.
Fee-based banking services15% Service charges, card, treasury, and other noninterest income activities.
Wealth and asset management10% Investment and advisory services offered through the bank platform.

TriCo Bancshares serves retail customers, small and middle-market businesses, and local organizations that need...

  • Small and middle-market businessesprimary

    They buy commercial loans, deposit accounts, and treasury services to manage working capital and growth.

  • Retail householdsprimary

    They use checking, savings, time deposits, mortgages, and consumer loans for everyday banking needs.

  • Wealth management clientssecondary

    They use advisory and asset management services for investment and retirement needs.

  • Local public and nonprofit entitiessecondary

    They use deposit and cash-management services for operating funds and payments.

The company is headquartered in Chico, California and operates primarily through Tri Counties Bank in California...

  • •Headquartered in Chico, California
  • •Primary operating footprint is California
  • •Revenue is tied to local lending and deposit markets
  • •Branch network supports community-based relationship banking
  • •California concentration increases exposure to state economic cycles

TriCo Bancshares focuses on relationship banking in its California markets, using local presence, personalized service,...

01
Strengthen core deposit franchiseshort-term

Low-cost, stable deposits support lending capacity and reduce funding dependence.

02
Maintain relationship-based lending in Californiamedium-term

Local underwriting and customer ties help retain borrowers and manage credit quality.

03
Expand fee-based servicesmedium-term

Noninterest income diversifies earnings beyond spread income.

04
Improve digital and operational capabilitiesmedium-term

Technology is necessary to meet customer expectations and compete with larger banks and fintechs.

TriCo Bancshares is exposed to credit risk because loans are its largest asset class, and its California concentration...

high

Credit risk in the loan portfolio

Loans are the majority of assets, so borrower stress can directly affect earnings and capital.

Scope
Commercial, real estate, and consumer lending
Materiality
high
high

California geographic concentration

A concentrated footprint makes results sensitive to regional economic and property-market conditions.

Scope
Primary service area in California
Materiality
high
high

Cybersecurity and data privacy incidents

Digital banking and third-party systems increase the attack surface and remediation costs.

Scope
Customer data, internet banking, mobile banking
Materiality
high
medium

Third-party vendor dependence

Core processing and information services rely on external providers that can fail or be breached.

Scope
Data processing and service providers
Materiality
medium
medium

Competitive pressure from banks and fintechs

Deposits and loans are contested by larger banks, credit unions, and online lenders.

Scope
California deposit and lending markets
Materiality
medium
Allowance for credit losses
Provision expense and reserve levels
Purchased loan discount accretion
Net interest income and loan yield
Fair value measurements
Asset values and comprehensive income
Intangible asset impairment
Noninterest expense and equity
Deposit and borrowing accounting
Net interest margin and funding costs

TRICO BANCSHARES /

TCBK · State Commercial Banks

Third Coast Bancshares, Inc.

TCBX · Savings Institutions, Not Federally Chartered

PROSPERITY BANCSHARES INC

PB · State Commercial Banks

Texas Community Bancshares, Inc.

TCBS · Savings Institutions, Not Federally Chartered

HOME BANCSHARES INC

HOMB · State Commercial Banks

FIRST CITIZENS BANCSHARES INC /DE/

FCNCA · State Commercial Banks

: 29.4.2026