---
schema_version: "secwatch.filing_event.v1"
accession: "0000356171-22-000057"
form_type: "8-K"
ticker: "TCBK"
cik: "0000356171"
company_name: "TRICO BANCSHARES /"
filed_at: "2022-10-26T23:59:59+00:00"
generated_at: "2026-06-23T00:58:04.007676+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# TriCo Bancshares Q3 net income $37.3M ($1.12 EPS), NIM expands to 4.02%

## Summary
- Net income $37.3M, up 19% QoQ and 36% YoY; diluted EPS $1.12 vs $0.93 Q2 and $0.92 Q3 2021.
- Net interest margin (FTE) 4.02%, up 35 bps QoQ and 52 bps YoY; core NIM (ex-accretion/PPP) improved to 3.98%.
- Organic loan growth $216.7M (14.2% annualized) led by commercial real estate; loan-to-deposit ratio 72.9%.
- Efficiency ratio improved to 49.6% from 55.5% in Q2; noninterest expenses relatively flat QoQ.
- Dividend increased to $0.30/share, up 20% from $0.25 prior; tangible book value $19.92.

## SEC filing metadata
- accession: 0000356171-22-000057
- form_type: 8-K
- ticker: TCBK
- cik: 0000356171
- company_name: TRICO BANCSHARES /
- filed_at: 2022-10-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/356171/000035617122000057/0000356171-22-000057-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/356171/000035617122000057/tcbk-20221026.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000356171-22-000057
- JSON: https://secwatch.observer/filing/0000356171-22-000057.json
- Plain text: https://secwatch.observer/filing/0000356171-22-000057.txt

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