---
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"
generated_at: "2026-06-06T18:40:12.657678+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# TCBK Q4 net income $26.1M ($0.78 EPS) down 15% QoQ; NIM narrows to 3.81%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/356171/000035617124000003/0000356171-24-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/356171/000035617124000003/tcbk-20240125.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000356171-24-000003
- JSON: https://secwatch.observer/filing/0000356171-24-000003.json
- Plain text: https://secwatch.observer/filing/0000356171-24-000003.txt

## Key facts
- Earnings Releases
  TRICO BANCSHARES / reported the quarter ended December 31, 2023 results: net income $26.1 million, EPS $0.78.
  - Period: the quarter ended December 31, 2023
  - Net income: $26.1 million
  - EPS: $0.78
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/356171/000035617124000003/0000356171-24-000003-index.htm

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