Trico Bancshares
tcbk.comWhat Do They Do?
Provides personal, small-business and commercial banking services—including deposit accounts, loans and treasury management—to individuals and businesses in California.
10-K for FY2025, filed Mar 2, 2026
How Do They Make Money?
Debit-card interchange fees are earned as card transactions are processed; the bank also charges deposit customers monthly account fees and transaction fees when services occur, and earns interest on loans and investments.
10-K for FY2025, filed Mar 2, 2026Debit and ATM interchange income represent fees earned when a debit card issued by the Company is used. The Company earns interchange fees…View ↗
The Company earns fees from its deposit customers for account maintenance, transaction-based and overdraft services. Account maintenance…View ↗
The Company's reportable segment is determined by the Chief Executive Officer, who is designated the chief operating decision maker, based…View ↗
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10-K for FY2025, filed Mar 2, 2026
FY2025 revenue by product or service ↗
$53.4M
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10-K for FY2025, filed Mar 2, 2026
$53.4M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
ATM and interchange fees
Usage-based
10-K for FY2025, filed Mar 2, 2026 |
48%
FY2022: 54%
|
ATM and interchange fees, FY2025
$25.5M Sources
|
Usage-based |
|
Service charges on deposit accounts
|
39%
FY2022: 33%
|
Service charges on deposit accounts, FY2025
$21M Sources
|
|
|
Other service fees
|
11%
FY2022: 8.6%
|
Other service fees, FY2025
$5.8M Sources
|
|
|
Mortgage banking service fees
|
3.3%
FY2022: 3.8%
|
Mortgage banking service fees, FY2025
$1.7M Sources
|
|
|
Change in value of mortgage loan servicing rights
|
−1.1%
FY2022: 0.6%
|
Change in value of mortgage loan servicing rights, FY2025
−$560K Sources
|
Who Are Their Customers?
Individuals, small businesses and commercial customers use the bank's California branches, online and mobile banking, and phone service. Most loans are made directly to individuals and businesses in California.
10-K for FY2025, filed Mar 2, 2026
Do Revenues Turn Into Profits?
Yes. Its net income in FY2025 was larger than its revenue and turned 239 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 7, 2026
Open tableView ↗
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Jul 15, 2026
Agreed to merge with First Hawaiian
Under the agreement, TriCo would merge into First Hawaiian, and Tri Counties Bank would merge into First Hawaiian Bank.
Sources
8-K, filed Jul 15, 2026
On July 12, 2026, TriCo Bancshares, a California corporation (“TriCo”), entered into an Agreement and Plan of Reorganization and Merger…View ↗
Growing. Revenue grew 22% in 4 years, from $43.9M in FY2021 to $53.4M in FY2025, about 5% a year.
Expanded advisory services description
The latest report describes brokerage and wealth management services through its Raymond James arrangement; the older report describes brokerage services through that arrangement.
10-K for FY2022, filed Mar 1, 2023 10-K for FY2025, filed Mar 2, 2026The Bank provides a breadth of personal, small business and commercial financial services including accepting demand, savings and time…View ↗
The Bank provides a breadth of personal, small business and commercial financial services including accepting demand, savings and time…View ↗
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