TriCo Bancshares Q3 net income $38.0M, EPS $1.18; declares $0.36 dividend amid First Hawaiian merger

TRICO BANCSHARES /

Net income $38.0M, or $1.18 diluted EPS, vs $34.2M/$1.06 in Q2 2026 and $34.0M/$1.04 a year ago; nine-month net income $105.8M and EPS $3.29, up 23.2% YoY.
Net interest income (FTE) $96.8M, up 3.1% from Q2; NIM 4.16%, up 5 bps; loan yield 5.87%; cost of total deposits 1.26%, down 13 bps YoY.
Loans $7.41B, up $403.4M or 5.8% YoY and $99.1M annualized QoQ; deposits $8.44B, up 1.3% YoY; loan-to-deposit ratio 87.8%.
Declared quarterly cash dividend of $0.36 per share, payable Nov. 27, 2026 to holders of record Nov. 16; unchanged from the prior quarter.
Efficiency ratio 56.96% included $3.8M merger costs vs $0.9M in Q2; CEO Rick Smith cites First Hawaiian Bank merger prep; credit-loss benefit $1.9M vs $2.7M provision.

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