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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.16% | 1.22% | 1.27% | 1.39% | 1.40% | +24 bps | |
| Return on Equity | 8.49% | 8.98% | 9.26% | 10.09% | 10.14% | +165 bps | |
| Net Interest Margin | 3.59% | 3.61% | 3.66% | 3.79% | 3.81% | +22 bps | |
| Efficiency Ratio | 57.57% | 56.71% | 55.89% | 53.59% | 54.38% | -319 bps | |
| Non-Interest Burden | 1.73% | 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 / Loans | 0.93% | 0.94% | 0.90% | 0.98% | 0.94% | +1 bps | |
| Net Charge-Offs / Loans | 0.23% | 0.17% | 0.14% | 0.04% | 0.03% | -20 bps | |
| Allowance / Loans | 1.79% | 1.78% | 1.77% | 1.81% | 1.78% | -1 bps | |
| Allowance Coverage of NPLs | 1.9x | 1.9x | 2.0x | 1.8x | 1.9x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.16% | 11.63% | 11.78% | 11.85% | 12.00% | -16 bps | |
| Total Risk-Based Capital | 15.52% | 15.02% | 14.98% | 15.01% | 14.94% | -57 bps | |
| Equity / Assets | 13.69% | 13.54% | 13.87% | 13.66% | 13.90% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 83.02% | 84.05% | 86.02% | 84.11% | 87.34% | +433 bps | |
| Liquid Assets / Assets | 2.88% | 2.97% | 1.57% | 2.86% | 1.10% | -178 bps | |
| CRE / Total Capital | n/a | 428% | 428% | 429% | n/a | n/a | |