Trico Bancshares

tcbk.com

Trico Bancshares (NASDAQ: TCBK) is a California bank holding company that operates Tri Counties Bank, a California-chartered commercial bank headquartered in Chico, California. The company earns money primarily through net interest income, the spread between interest earned on loans and investments and interest paid on deposits, supplemented by noninterest income from service fees and brokerage and wealth management arrangements. TriCo was incorporated in 1981 and serves personal, small business, and commercial customers across California. For FY2025, the company reported net interest income of $350.8 million, noninterest income of $68.3 million, and net income of $121.6 million, on total assets of roughly $9.9 billion implied by period-end equity and capital ratios. The loan portfolio at December 31, 2025 totaled $7.1 billion, with consumer loans of $1.3 billion (18.5% of loans) and commercial and industrial loans of $464.4 million (6.5% of loans). Brokerage and wealth management services are delivered through an arrangement with Raymond James Financial Services. The company pays a regular dividend, with $1.38 per share paid in FY2025.