---
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"
generated_at: "2026-05-18T02:47:19.428022+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-035817
- JSON: https://secwatch.observer/filing/0001628280-25-035817.json
- Plain text: https://secwatch.observer/filing/0001628280-25-035817.txt

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