---
schema_version: "secwatch.filing_event.v1"
accession: "0000356171-22-000047"
form_type: "8-K"
ticker: "TCBK"
cik: "0000356171"
company_name: "TRICO BANCSHARES /"
filed_at: "2022-07-27T23:59:59+00:00"
generated_at: "2026-06-24T08:21:25.157423+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# TriCo Bancshares reports Q2 EPS $0.93; net income $31.4M; NIM expands 28bps to 3.67%

## Summary
- Net income $31.4M ($0.93 diluted EPS) vs $20.4M ($0.67) in Q1 and $28.4M ($0.95) in Q2 2021.
- Net interest margin (FTE) rose 28bps to 3.67%, driven by higher rates and asset mix shift.
- Organic loan growth ex-PPP $300.3M (20.7% annualized); total deposits $8.76B up 1.9% annualized.
- Provision for credit losses $2.1M vs $8.3M in prior quarter; NPAs/total assets improved to 0.15%.
- Merger with Valley Republic Bancorp fully absorbed; efficiency ratio improved to 55.45%.

## SEC filing metadata
- accession: 0000356171-22-000047
- form_type: 8-K
- ticker: TCBK
- cik: 0000356171
- company_name: TRICO BANCSHARES /
- filed_at: 2022-07-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/356171/000035617122000047/0000356171-22-000047-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/356171/000035617122000047/tcbk-20220727.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000356171-22-000047
- JSON: https://secwatch.observer/filing/0000356171-22-000047.json
- Plain text: https://secwatch.observer/filing/0000356171-22-000047.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.