---
schema_version: "secwatch.filing_event.v1"
accession: "0000356171-23-000004"
form_type: "8-K"
ticker: "TCBK"
cik: "0000356171"
company_name: "TRICO BANCSHARES /"
filed_at: "2023-01-25T23:59:59+00:00"
generated_at: "2026-06-20T09:52:11.834694+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# TriCo Q4 net income $36.3M, EPS $1.09; NIM expands to 4.34%

## Summary
- Net income $36.3M, diluted EPS $1.09 vs $1.12 in Q3 2022 and $0.94 in Q4 2021.
- Net interest margin improved 32 bps to 4.34% (4.27% ex-PPP and accretion).
- Organic loan growth $136.2M (8.6% annualized); deposits declined $326.8M (15.1% annualized).
- Cost of deposits remained low at 0.10%; loan-to-deposit ratio rose to 77.4%.
- Tangible book value per share $21.76, up from $19.92 in prior quarter.

## SEC filing metadata
- accession: 0000356171-23-000004
- form_type: 8-K
- ticker: TCBK
- cik: 0000356171
- company_name: TRICO BANCSHARES /
- filed_at: 2023-01-25T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/356171/000035617123000004/0000356171-23-000004-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/356171/000035617123000004/tcbk-20230125.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000356171-23-000004
- JSON: https://secwatch.observer/filing/0000356171-23-000004.json
- Plain text: https://secwatch.observer/filing/0000356171-23-000004.txt

## Key facts
- Earnings Releases
  TRICO BANCSHARES / reported the three months ended December 31, 2022 results: net income $36,343,000, EPS $1.09.
  - Period: the three months ended December 31, 2022
  - Net income: $36,343,000
  - EPS: $1.09
  - Result: reported results
  source text: today announced net income of $36,343,000 for the quarter ended December 31, 2022, compared to $37,338,000 during the trailing quarter ended September 30, 2022, and $28,222,000 during the quarter ended December 31, 2021. Diluted earnings per share were $1.09 for the fourth quarter of 2022, compared to $1.12 for the third quarter of 2022 and $0.94 during the fourth quarter of 2021.
  evidence_url: https://www.sec.gov/Archives/edgar/data/356171/000035617123000004/0000356171-23-000004-index.htm
- Earnings Releases
  TRICO BANCSHARES / reported financial results for the twelve months ended December 31, 2022.
  - Period: the twelve months ended December 31, 2022
  - Result: reported results
  source text: On January 25, 2023, TriCo Bancshares (the "Company") announced its unaudited financial results for the three and twelve month periods ended December 31, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/356171/000035617123000004/0000356171-23-000004-index.htm

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