Chico, CA · Cert 21943 · Trico Bancshares
State charter, non-member · FDIC · 70 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
71
Asset Quality
39
Profitability
57
Liquidity
94
Efficiency
67
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.
Chico, CA · Cert 21943 · Trico Bancshares
State charter, non-member · FDIC · 70 branches
Q2 2026
Market Position · Chico, CA · 2026 SOD (annual) · 18.8% share · #2 of 13 inst. · $1.3B of $7.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.23% | 1.14% | 1.16% | 1.22% | 1.27% | 1.39% | 1.40% | +24 bps | |
| Return on Equity | 9.45% | 9.43% | 8.36% | 8.49% | 8.98% | 9.26% | 10.09% | 10.14% | +165 bps | |
| Net Interest Margin | 3.55% | 3.55% | 3.49% | 3.59% | 3.61% | 3.66% | 3.79% | 3.81% | +22 bps | |
| Efficiency Ratio | 56.59% | 56.76% | 57.93% | 57.57% | 56.71% | 55.89% | 53.59% | 54.38% | -319 bps | |
| Non-Interest Burden | 1.70% | 1.71% | 1.69% | 1.73% | 1.71% | 1.70% | 1.67% | 1.71% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.73% | -2.38% | 0.04% | 1.87% | 0.54% | 1.54% | 1.33% | 0.07% | -180 bps | |
| Loan Growth (YoY) | -0.35% | -0.38% | 0.31% | 3.23% | 4.84% | 5.09% | 3.66% | 5.06% | +184 bps | |
| Deposit Growth (YoY) | 0.40% | 3.32% | 2.67% | 4.00% | 3.64% | 2.10% | 2.40% | -0.14% | -414 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.62% | 0.65% | 0.80% | 0.93% | 0.94% | 0.90% | 0.98% | 0.94% | +1 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.04% | -0.02% | 0.23% | 0.17% | 0.14% | 0.04% | 0.03% | -20 bps | |
| Allowance / Loans | 1.85% | 1.85% | 1.88% | 1.79% | 1.78% | 1.77% | 1.81% | 1.78% | -1 bps | |
| Allowance Coverage of NPLs | 3.0x | 2.8x | 2.3x | 1.9x | 1.9x | 2.0x | 1.8x | 1.9x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.91% | 12.02% | 12.08% | 12.16% | 11.63% | 11.78% | 11.85% | 12.00% | -16 bps | |
| Total Risk-Based Capital | 15.47% | 15.60% | 15.74% | 15.52% | 15.02% | 14.98% | 15.01% | 14.94% | -57 bps | |
| Equity / Assets | 13.53% | 13.53% | 13.73% | 13.69% | 13.54% | 13.87% | 13.66% | 13.90% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.08% | 83.57% | 83.09% | 83.02% | 84.05% | 86.02% | 84.11% | 87.34% | +433 bps | |
| Liquid Assets / Assets | 3.33% | 1.77% | 3.01% | 2.88% | 2.97% | 1.57% | 2.86% | 1.10% | -178 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 428% | 428% | 429% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.40% | 0.93% | 1.23% | 1.54% | Beats 66% | 87 / 258 | ||
| Return on Equity | 10.04% | 9.26% | 11.84% | 14.74% | Beats 34% | 171 / 258 | ||
| Net Interest Margin | 3.81% | 3.16% | 3.49% | 3.88% | Beats 72% | 73 / 258 | ||
| Efficiency Ratio | 54.76% | 51.71% | 60.30% | 69.65% | Beats 67% | 85 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.94% | 0.19% | 0.46% | 0.90% | Beats 24% | 198 / 258 | ||
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 53% | 121 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.69% | 11.41% | 12.98% | 15.12% | Beats 61% | 101 / 258 | ||
| Total Risk-Based Capital Ratio | 14.94% | 12.10% | 13.91% | 16.08% | Beats 63% | 95 / 258 | ||
| Equity / Assets | 13.90% | 9.09% | 10.24% | 11.72% | Beats 90% | 25 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.34% | 73.24% | 86.34% | 95.95% | 55th pctl | 117 / 258 | ||
| Loans / Assets | 73.65% | 63.01% | 72.27% | 78.40% | 55th pctl | 116 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||