TriCo Bancshares Q2 net income $27.5M, EPS $0.84; NIM expands to 3.88%

TRICO BANCSHARES /

2025-Q2 EPS reported $1.63 revenue$26,328,000

Net income $27.5M ($0.84 EPS) up 4.5% from Q1 but down 5.1% YoY; net interest income (FTE) $86.8M, up 4.8%.
Net interest margin (FTE) rose 15 bps to 3.88% from 3.73% in Q1; yield on loans 5.76%, cost of deposits down 6 bps to 1.37%.
Loan balances grew $138M (8.1% annualized) to $7.0B; deposit balances grew $170M (8.3% annualized) to $8.4B.
Provision for credit losses $4.7M vs $3.7M in Q1; non-performing assets to assets rose to 0.68% from 0.59%.
Efficiency ratio improved to 59.00% from 60.42%; book value per share $38.92, tangible book $29.40.

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