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Tri Counties Bank

Chico, CA · Cert 21943 · Trico Bancshares

State charter, non-member · FDIC · 70 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

71

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

57

Q2 2024Q2 2026peer median (50)

Liquidity

94

Q2 2024Q2 2026peer median

Efficiency

67

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Tri Counties Bank

Chico, CA · Cert 21943 · Trico Bancshares

State charter, non-member · FDIC · 70 branches

Q2 2026

$9.9BAssets
$7.3BLoans
$8.4BDeposits
$1.4BEquity
Loan mix
93%RE $6.4B6%C&I $0.4B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $5.8B31%Noninterest $2.6BQ2 2025Q2 2026

NIM

4.67%Q2 ’244.65%Q2 ’254.74%Q2 ’26+3%+6%

Non-interest income vs. expense

2.29%Q2 ’242.42%Q2 ’252.41%Q2 ’26+4%-1%

Market Position · Chico, CA · 2026 SOD (annual) · 18.8% share · #2 of 13 inst. · $1.3B of $7.0B

18.8% Butte
9.5% Kern
23.8% Shasta
2.3% San Mateo

Executive Summary

  • Earnings: ROA of 1.40%, up 24 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 0.94% of loans (+1 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 12.00%, down 16 bps from a year ago.
  • Funding: loans stand at 87.34% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.40%+24 bps YoY

Net Interest Margin (YTD, annualized)

3.81%+22 bps YoY

Efficiency Ratio (YTD, annualized)

54.38%-319 bps YoY

Tier 1 Leverage Ratio

12.00%-16 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.22%1.27%1.39%1.40%+24 bps
Return on Equity8.49%8.98%9.26%10.09%10.14%+165 bps
Net Interest Margin3.59%3.61%3.66%3.79%3.81%+22 bps
Efficiency Ratio57.57%56.71%55.89%53.59%54.38%-319 bps
Non-Interest Burden1.73%1.71%1.70%1.67%1.71%-2 bps
Growth
Asset Growth (YoY)1.87%0.54%1.54%1.33%0.07%-180 bps
Loan Growth (YoY)3.23%4.84%5.09%3.66%5.06%+184 bps
Deposit Growth (YoY)4.00%3.64%2.10%2.40%-0.14%-414 bps
Asset Quality
Nonperforming Loans / Loans0.93%0.94%0.90%0.98%0.94%+1 bps
Net Charge-Offs / Loans0.23%0.17%0.14%0.04%0.03%-20 bps
Allowance / Loans1.79%1.78%1.77%1.81%1.78%-1 bps
Allowance Coverage of NPLs1.9x1.9x2.0x1.8x1.9x0.0x
Capital
Tier 1 Leverage Ratio12.16%11.63%11.78%11.85%12.00%-16 bps
Total Risk-Based Capital15.52%15.02%14.98%15.01%14.94%-57 bps
Equity / Assets13.69%13.54%13.87%13.66%13.90%+21 bps
Liquidity & Funding
Loans / Deposits83.02%84.05%86.02%84.11%87.34%+433 bps
Liquid Assets / Assets2.88%2.97%1.57%2.86%1.10%-178 bps
CRE / Total Capitaln/a428%428%429%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Tri Counties Bank

Chico, CA · Cert 21943 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Trico Bancshares

State charter, non-member · FDIC · 70 branches

Q2 2026

$9.9BAssets
$7.3BLoans
$8.4BDeposits
$1.4BEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 90% of banks $1B-$10B in assets operating in a single state (rank 25 of 258).
  • Widest gap: nonperforming loans / loans trails 76% of banks $1B-$10B in assets operating in a single state (rank 198 of 258).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.40%

Rank 87 of 258

Net Interest Margin

3.81%

Rank 73 of 258

Efficiency Ratio

54.76%

Rank 85 of 257

Equity / Assets

13.90%

Rank 25 of 258

Non-interest income vs. expense

$70.6M$242.6MINCOMEEXPENSE
Unfavorable gap of $172.0M · efficiency ratio beats 67% of banks $1B-$10B in assets operating in a single state
Bank 54.76%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.40%0.93%1.23%1.54%Beats 66%87 / 258
Return on Equity10.04%9.26%11.84%14.74%Beats 34%171 / 258
Net Interest Margin3.81%3.16%3.49%3.88%Beats 72%73 / 258
Efficiency Ratio54.76%51.71%60.30%69.65%Beats 67%85 / 257
Asset Quality
Nonperforming Loans / Loans0.94%0.19%0.46%0.90%Beats 24%198 / 258
Net Charge-Offs / Loans0.02%0.01%0.02%0.07%Beats 53%121 / 258
Capital
Tier 1 Capital Ratio13.69%11.41%12.98%15.12%Beats 61%101 / 258
Total Risk-Based Capital Ratio14.94%12.10%13.91%16.08%Beats 63%95 / 258
Equity / Assets13.90%9.09%10.24%11.72%Beats 90%25 / 258
Liquidity & Funding
Loans / Deposits87.34%73.24%86.34%95.95%55th pctl117 / 258
Loans / Assets73.65%63.01%72.27%78.40%55th pctl116 / 258
Brokered Deposits / Depositsn/aNot reported for this institution