)
Edge23 Jan 2026
Death, Taxes, and Garbage: The Story of WM
How Waste Management turned garbage into one of America's most stable business models through landfills, regulation, and nationwide scale.
TriCo Bancshares
TriCo Bancshares (TCBK) investor relations material
TriCo Bancshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Net income for Q4 2025 was $33.6 million ($1.03 per diluted share), up 15.8% year-over-year but slightly down from the prior quarter.
Net interest income rose 2.97% sequentially to $92.5 million, with net interest margin improving to 4.02%.
Loan balances increased 6.0% annualized from the prior quarter and 5.1% year-over-year; deposit balances decreased 3.4% annualized sequentially but rose 2.2% year-over-year.
The Board authorized a new share repurchase program for up to 2 million shares, replacing the previous program.
Financial highlights
Return on average assets was 1.34% and return on average equity was 10.02% for Q4 2025.
Diluted EPS was $1.03, up from $0.88 in Q4 2024 but down from $1.04 in Q3 2025.
Efficiency ratio improved to 54.68% from 56.18% in the prior quarter.
Loan-to-deposit ratio increased to 86.05% from 84.07% in the prior quarter.
Allowance for credit losses (ACL) to total loans was 1.77%; non-performing assets to total assets were 0.72%.
Outlook and guidance
Management expects incremental improvement in net interest income and margin through 2026, despite anticipated expense growth of 5% in 2026.
Positive operating leverage is expected to be maintained.
NIM drivers despite FOMC rate cuts
Credit risk outlook and mitigation strategies
2026 expense growth and operating leverage
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next TriCo Bancshares earnings date
Q1 202624 Apr, 2026
TriCo Bancshares
Next TriCo Bancshares earnings date
Q1 202624 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage