---
schema_version: "secwatch.filing_event.v1"
accession: "0000356171-25-000003"
form_type: "8-K"
ticker: "TCBK"
cik: "0000356171"
company_name: "TRICO BANCSHARES /"
filed_at: "2025-01-23T23:59:59+00:00"
generated_at: "2026-05-27T17:00:56.680806+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# TriCo Bancshares reports Q4 net income $29.0M, EPS $0.88; net interest margin expands to 3.76%

## Summary
- Q4 net income $29.0M ($0.88 diluted EPS), flat QoQ; up 11.3% YoY from $0.78.
- Net interest margin (FTE) 3.76%, up 5 bps QoQ from 3.71% despite three Fed rate cuts.
- Loans grew $84.6M (5.1% annualized) QoQ; deposits increased $50.5M (2.5% annualized).
- Provision for credit losses rose to $1.7M from $0.2M QoQ due to loan growth; ACL/total loans 1.85%.

## SEC filing metadata
- accession: 0000356171-25-000003
- form_type: 8-K
- ticker: TCBK
- cik: 0000356171
- company_name: TRICO BANCSHARES /
- filed_at: 2025-01-23T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/356171/000035617125000003/0000356171-25-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/356171/000035617125000003/tcbk-20250123.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000356171-25-000003
- JSON: https://secwatch.observer/filing/0000356171-25-000003.json
- Plain text: https://secwatch.observer/filing/0000356171-25-000003.txt

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