{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-035817","form_type":"8-K","ticker":"TCBK","cik":"0000356171","company_name":"TRICO BANCSHARES /","filed_at":"2025-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.072013+00:00","generated_at":"2026-05-18T02:47:19.428022+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"TriCo Bancshares Q2 net income $27.5M, EPS $0.84; NIM expands to 3.88%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-035817","json":"https://secwatch.observer/filing/0001628280-25-035817.json","markdown":"https://secwatch.observer/filing/0001628280-25-035817.md","text":"https://secwatch.observer/filing/0001628280-25-035817.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/356171/000162828025035817/0001628280-25-035817-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/356171/000162828025035817/tcbk-20250724.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T02:47:19.428022+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}