---
schema_version: "secwatch.filing_event.v1"
accession: "0000356171-26-000003"
form_type: "8-K"
ticker: "TCBK"
cik: "0000356171"
company_name: "TRICO BANCSHARES /"
filed_at: "2026-01-22T23:59:59+00:00"
generated_at: "2026-05-16T09:05:47.537643+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# TriCo Bancshares Q4 net income $33.6M, EPS $1.03; NIM 4.02%; share repurchase authorized

## Summary
- Q4 2025 net income $33.6M ($1.03/share), compared to $34.0M ($1.04) in Q3 2025 and $29.0M ($0.88) in Q4 2024, a 15.8% YoY increase.
- Net interest margin (FTE) expanded to 4.02% from 3.92% in Q3 2025 and 3.76% in Q4 2024; net interest income $92.5M (up 3% QoQ, 9.7% YoY).
- Provision for credit losses increased to $3.0M in Q4 from $0.7M in prior quarter and $1.7M in Q4 2024; total ACL 1.77% of loans.
- Loan balances $7.11B, up $104.3M (6.0% annualized) QoQ and up $342.6M (5.1%) YoY; deposit balances $8.26B, down $70.6M QoQ but up $176.3M YoY.
- Board authorized a new share repurchase program of up to 2,000,000 shares of common stock.

## SEC filing metadata
- accession: 0000356171-26-000003
- form_type: 8-K
- ticker: TCBK
- cik: 0000356171
- company_name: TRICO BANCSHARES /
- filed_at: 2026-01-22T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/356171/000035617126000003/0000356171-26-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/356171/000035617126000003/tcbk-20260122.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000356171-26-000003
- JSON: https://secwatch.observer/filing/0000356171-26-000003.json
- Plain text: https://secwatch.observer/filing/0000356171-26-000003.txt

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