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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
TriCo Bancshares
TriCo Bancshares (TCBK) investor relations material
TriCo Bancshares Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary22 Oct, 2026
Executive summary
Q3 2026 net income was $38.0 million, or $1.18 diluted EPS, up 11.1% QoQ and 11.6% YoY; FTE net interest margin rose 5 bps QoQ to 4.16%.
Results came amid loan growth, lower deposit costs and a $1.9 million credit-loss benefit; $3.9 million of merger-related expenses weighed on quarterly expenses.
Financial highlights
Q3 net interest income was $96.5 million GAAP and $96.8 million FTE, up 3.1% QoQ and 7.8% YoY on an FTE basis.
Noninterest income was $20.2 million, up 10.5% QoQ and 12.0% YoY; noninterest expense was $66.5 million, up 5.7% QoQ and 10.0% YoY.
9M net income was $105.8 million, up 20.4% YoY; diluted EPS was $3.29, up 23.2%.
Q3 total assets were $10.0 billion; gross loans were $7.41 billion and deposits were $8.44 billion at quarter-end.
Outlook and guidance
Management said it remains focused on customer service and growth while preparing for the proposed merger with First Hawaiian Bank.
Management intends to use investment-portfolio cash flows and organic deposit growth to support loan growth, with excess liquidity available for securities purchases to support NII growth and NIM expansion.
Proactive borrower monitoring includes assessing repayment capacity ahead of near-term rate resets; prior analysis indicated insignificant need for borrower concessions.
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Latest events from TriCo Bancshares
- First Hawaiian and TriCo merge to create a $34B regional bank, with strong board and executive integration.TCBK
Proxy filing - Q2 2026 net income up 24% YoY to $34.2M, with strong loan growth and merger progress.TCBKQ2 2026
- All-stock merger forms a $34B top-6 Western U.S. bank, targeting 25% cost savings and 6% EPS accretion.TCBKM&A announcement
- Net income up 27.8% year-over-year to $33.7M, with strong deposit growth and robust capital ratios.TCBKQ1 2026
- Proxy covers director elections, executive pay, bylaw changes, and auditor ratification.TCBKProxy filing
- Key votes include director elections, say-on-pay, auditor ratification, and ending cumulative voting.TCBKProxy filing
- Proxy covers director elections, say-on-pay, bylaw change, auditor ratification, and ESG progress.TCBKProxy filing
- Q3 2025 net income up 17.1% year-over-year, with higher margins and strong capital metrics.TCBKQ3 2025
- Q4 2024 delivered $29M net income, higher margins, and strong capital and credit quality.TCBKQ4 2024
Next TriCo Bancshares earnings date
Q4 202622 Jan, 2027
TriCo Bancshares
Next TriCo Bancshares earnings date
Q4 202622 Jan, 2027
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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.