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TriCo Bancshares (TCBK) investor relations material
TriCo Bancshares Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary24 Jul, 2025
Executive summary
Net income for Q2 2025 was $27.5 million, or $0.84 per diluted share, up from $26.4 million in the prior quarter and $0.87 in Q2 2024.
Loan balances grew $138.2 million (8.1% annualized) from the prior quarter and $216.5 million (3.2%) year-over-year.
Deposit balances increased $170.5 million (8.3% annualized) from the prior quarter and $325.6 million (4.0%) year-over-year.
Net interest income (FTE) rose 4.8% sequentially to $86.8 million, with net interest margin at 3.88%.
Efficiency ratio improved to 59.00% from 60.42% in the prior quarter.
Financial highlights
Net interest income (FTE) for Q2 2025 was $86.8 million, up $4.5 million (5.5%) year-over-year.
Provision for credit losses was $4.7 million, up from $0.4 million in Q2 2024, driven by increases in reserves and loan growth.
Non-interest income rose 7.7% year-over-year, led by higher service charges and asset management fees.
Non-interest expense increased 4.8% year-over-year, mainly due to higher salaries and benefits.
Return on average assets was 1.13%; return on average equity was 8.68%.
Outlook and guidance
Management anticipates repaying $57.7 million in subordinated debt by September 30, 2025, with no significant impact on liquidity or capital.
Loan and deposit growth expected to continue, supported by economic expansion and improved borrower outlook.
Net interest margin outlook remains stable, with improvements in earning asset yields and funding costs.
Explain the increase in individually evaluated reserves.
Discuss the stable net interest margin outlook.
When will North Valley Trust debt be repaid?
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Next TriCo Bancshares earnings date
Q3 202530 Oct, 2025
Next TriCo Bancshares earnings date
Q3 202530 Oct, 2025
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Frequently asked questions
TriCo Bancshares operates as the bank holding company for Tri Counties Bank, providing a wide range of commercial banking services. The company caters primarily to retail customers and small to medium-sized businesses across Northern and Central California. Its offerings include demand, savings, and money market deposit accounts, alongside time deposits. TriCo also extends various loan products, such as residential and commercial real estate mortgages, consumer and commercial loans, agricultural loans, and real estate construction loans. Additional services include treasury management, credit and debit card services, safe deposit boxes, and financial advisory services through independent brokers. The company is headquartered in Chico, California, and its shares are listed on the NASDAQ.
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