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TriCo Bancshares (TCBK) investor relations material
TriCo Bancshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 2025 was $34.0 million ($1.04 per diluted share), up 17.1% year-over-year and 23.5% sequentially, reflecting strong operating leverage and improved return on equity.
Net interest income (FTE) rose 8.4% year-over-year to $89.8 million, with net interest margin at 3.92%, up 21 basis points from Q3 2024.
Loan balances increased $322.9 million (4.8%) year-over-year to $7.0 billion; deposit balances grew $297.4 million (3.7%) year-over-year.
Efficiency ratio improved to 56.18% from 60.02% in Q3 2024 and 59.00% in the previous quarter.
Management anticipates crossing the $10 billion asset threshold in 2026 and remains focused on long-term strategies and expense control amid inflationary pressures.
Financial highlights
Total assets at September 30, 2025 were $9.88 billion; loans totaled $7.01 billion; deposits were $8.33 billion.
Return on average assets was 1.36% and return on average equity was 10.47% for Q3 2025.
Book value per share increased to $40.12; tangible book value per share was $30.61.
Allowance for credit losses (ACL) was $124.6 million, or 1.78% of total loans.
Loan-to-deposit ratio was 84.1% at quarter end.
Outlook and guidance
Management expects to maintain a loan-to-deposit ratio near 85% and a steepening yield curve with further rate cuts to support net interest income expansion.
Excess liquidity will be used to support loan growth and selective investment security purchases.
The company is preparing for regulatory impacts as it approaches $10 billion in assets.
No brokered deposits were used; management intends to continue core deposit funding and may use borrowings if needed.
Detail regulatory impacts of $10B asset threshold
Reconcile lower provision with rising NPLs
Explain future NIM impact from loan/investment yields
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Next TriCo Bancshares earnings date
Q4 202523 Jan, 2026
Next TriCo Bancshares earnings date
Q4 202523 Jan, 2026
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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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