secwatch.observer — SEC 8-K summary
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Issuer:     TRICO BANCSHARES / (TCBK)
CIK:        0000356171
Form:       8-K
Filed at:   2025-07-24T23:59:59+00:00
Accession:  0001628280-25-035817
Event type: earnings
Sentiment:  neutral
Materiality: 0.70
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/356171/000162828025035817/0001628280-25-035817-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/356171/000162828025035817/tcbk-20250724.htm
  HTML page:      https://secwatch.observer/filing/0001628280-25-035817

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer