---
schema_version: "secwatch.filing_event.v1"
accession: "0000356171-26-000115"
form_type: "8-K"
ticker: "TCBK"
cik: "0000356171"
company_name: "TRICO BANCSHARES /"
filed_at: "2026-10-21T23:24:23+00:00"
generated_at: "2026-10-22T10:06:17.409978+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0000356171-26-000115
- form_type: 8-K
- ticker: TCBK
- cik: 0000356171
- company_name: TRICO BANCSHARES /
- filed_at: 2026-10-21T23:24:23+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/356171/000035617126000115/0000356171-26-000115-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/356171/000035617126000115/tcbk-20261020.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000356171-26-000115
- JSON: https://secwatch.observer/filing/0000356171-26-000115.json
- Plain text: https://secwatch.observer/filing/0000356171-26-000115.txt

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