{"schema_version":"secwatch.filing_event.v1","accession":"0000356171-24-000003","form_type":"8-K","ticker":"TCBK","cik":"0000356171","company_name":"TRICO BANCSHARES /","filed_at":"2024-01-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.586928+00:00","generated_at":"2026-06-06T18:40:12.657678+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"TCBK Q4 net income $26.1M ($0.78 EPS) down 15% QoQ; NIM narrows to 3.81%","bullets":["Net income $26.1M vs $30.6M QoQ and $36.3M YoY; diluted EPS $0.78 vs $0.92 QoQ and $1.09 YoY.","Net interest margin 3.81% vs 3.88% QoQ and 4.34% YoY; management expects inflection by mid-2024.","Provision for credit losses $6.0M vs $4.2M QoQ; ACL to loans 1.79% vs 1.73% prior quarter.","Loan growth 5.3% YoY to $6.8B; deposits down 5.9% YoY; loan-to-deposit ratio 86.7%.","Efficiency ratio 58.71% vs 55.59% QoQ; noninterest expense up 4.1% QoQ."],"urls":{"canonical":"https://secwatch.observer/filing/0000356171-24-000003","json":"https://secwatch.observer/filing/0000356171-24-000003.json","markdown":"https://secwatch.observer/filing/0000356171-24-000003.md","text":"https://secwatch.observer/filing/0000356171-24-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/356171/000035617124000003/0000356171-24-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/356171/000035617124000003/tcbk-20240125.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T18:40:12.657678+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"ceb07a0a723095c6dab91fac0692b9192dc4ebbe","claim":"TRICO BANCSHARES / reported the quarter ended December 31, 2023 results: net income $26.1 million, EPS $0.78.","evidence_excerpt":"TriCo Bancshares (NASDAQ: TCBK) (the “Company”), parent company of Tri Counties Bank, today announced net income of $26.1 million for the quarter ended December 31, 2023, compared to $30.6 million during the trailing quarter ended September 30, 2023, and $36.3 million during the quarter ended December 31, 2022. Diluted earnings per share were $0.78 for the fourth quarter of 2023, compared to $0.92 for the trailing quarter and $1.09 during the fourth quarter of 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/356171/000035617124000003/0000356171-24-000003-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2023"},{"label":"Net income","value":"$26.1 million"},{"label":"EPS","value":"$0.78"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}