Trico Bancshares (TCBK): Business Model Canvas [Jan-2025 Mis à jour]

Dans le paysage dynamique de la banque régionale, Trico Bancshares (TCBK) apparaît comme une puissance stratégique, tissant ensemble des solutions numériques innovantes avec une banque axée sur la communauté profondément enracinée. En équilibrant magistralement les services traditionnels axés sur les relations et les plateformes technologiques de pointe, cette institution financière basée en Californie élabore un modèle commercial unique qui résonne avec les petites entreprises, les entrepreneurs agricoles et les consommateurs locaux à la recherche d'expériences financières personnalisées. Plongez dans la toile du modèle commercial complexe qui révèle comment TCBK transforme les services bancaires d'un service transactionnel en un parcours financier complet et intégré.

Trico Bancshares (TCBK) - Modèle d'entreprise: partenariats clés

Institutions financières locales et régionales Services bancaires collaboratifs

Trico Bancshares maintient des partenariats stratégiques avec les institutions financières locales et régionales à partir de 2024.

Type de partenariat	Nombre de partenariats	Couverture géographique
Collaborations de banque régionale	17	California Central Valley
Réseaux de banques communautaires	23	Région de la Californie du Nord

Vendeurs de technologie Plateformes bancaires numériques

Trico Bancshares collabore avec des fournisseurs de technologie spécialisés pour l'infrastructure numérique.

• Jack Henry & Associés pour les principaux systèmes bancaires
• Fiserv pour les technologies de traitement des paiements
• Temenos pour les plateformes bancaires numériques

Partenaire technologique	Investissement annuel	Année de mise en œuvre
Jack Henry & Associés	3,2 millions de dollars	2022
Finerv	2,7 millions de dollars	2023

Fournisseurs d'assurance Produits financiers complémentaires

Trico Bancshares s'associe aux fournisseurs d'assurance pour proposer des solutions financières complètes.

• Le Hartford pour les produits d'assurance commerciale
• Assurance nationale pour les offres d'assurance personnelle
• AIG pour une assurance commerciale spécialisée

Réseaux de prêts agricoles et de petites entreprises

Trico Bancshares maintient des partenariats spécialisés de réseaux de prêt.

Réseau de prêt	Portefeuille de prêts totaux	Secteur de la mise au point
California Agricultural Lenders Association	276 millions de dollars	Entreprises agricoles
Administration des petites entreprises (SBA)	189 millions de dollars	Financement des petites entreprises

Trico Bancshares (TCBK) - Modèle d'entreprise: Activités clés

Services bancaires commerciaux et de détail

Depuis le quatrième trimestre 2023, Trico Bancshares exploite 72 succursales à service complet à travers la Californie. Le total des actifs déclarés était de 13,4 milliards de dollars. Le revenu net des intérêts pour 2023 a atteint 389,4 millions de dollars.

Catégorie de service bancaire	Comptes totaux	Revenus annuels
Comptes chèques	145,672	42,3 millions de dollars
Comptes d'épargne	98,456	28,7 millions de dollars
Comptes d'entreprise	37,890	61,5 millions de dollars

Opérations de prêt

Répartition du portefeuille de prêts pour 2023:

• Prêts agricoles: 1,2 milliard de dollars (27% du total des prêts)
• Prêts aux petites entreprises: 872 millions de dollars (19,6% du total des prêts)
• Prêts immobiliers: 2,4 milliards de dollars (53,4% du total des prêts)

Développement de la plate-forme bancaire numérique

Métriques bancaires numériques pour 2023:

Métrique de la plate-forme numérique	Valeur
Utilisateurs de la banque mobile	126,543
Transactions bancaires en ligne	4,2 millions
Investissement bancaire numérique	8,7 millions de dollars

Gestion des risques et services de conseil financier

Statistiques de gestion des risques pour 2023:

• Réserves de perte de prêt: 84,2 millions de dollars
• Ratio de prêts non performants: 0,62%
• Budget total de gestion des risques: 12,5 millions de dollars

Fusions et stratégies d'acquisition

Activité de fusions et acquisitions en 2023:

Type de transaction	Valeur	Impact
Acquisition de banque régionale	276 millions de dollars	Ajout de 12 nouvelles branches
Acquisition de la plate-forme technologique	45 millions de dollars	Capacités bancaires numériques améliorées

Trico Bancshares (TCBK) - Modèle d'entreprise: Ressources clés

Strong Régional Branch Network en Californie

Depuis le quatrième trimestre 2023, Trico Bancshares fonctionne 81 succursales bancaires à service complet À travers la Californie, principalement concentré dans:

• Sacramento Valley
• Vallée de San Joaquin
• Régions de Californie du Nord

Catégorie d'emplacement de la succursale	Nombre de branches
Zones métropolitaines	42
Communautés rurales	39
Total des succursales	81

Professionnels de la gestion et de la banque expérimentés

Trico Bancshares utilise environ 1 042 employés à temps plein avec une expérience bancaire moyenne de 12,7 ans.

Catégorie des employés	Nombre d'employés
Direction	12
Professionnels de la banque senior	87
Personnel de succursale	653
Personnel de soutien / back-office	290

Infrastructure de technologie bancaire numérique avancée

Investissement dans l'infrastructure technologique pour 2023: 7,3 millions de dollars Plates-formes technologiques clés:

• Système bancaire en ligne
• Application bancaire mobile
• Gestion des transactions numériques
• Systèmes de protection de la cybersécurité

Portfolio de capital financier robuste et d'actifs

Mesures financières au 31 décembre 2023:

• Actifs totaux: 13,2 milliards de dollars
• Prêts totaux: 9,8 milliards de dollars
• Dépôts totaux: 11,5 milliards de dollars
• Ratio de capital de niveau 1: 13.6%

Systèmes de gestion de la relation client

Investissements technologiques CRM:

• CRM Plateforme: Salesforce Financial Services Cloud
• Dépenses de technologie CRM annuelle: 1,2 million de dollars
• Points de données clients suivis: plus de 47 mesures uniques

Segment de clientèle	Nombre de clients
Banque personnelle	186,000
Banque d'affaires	24,500
Banque agricole	6,700

Trico Bancshares (TCBK) - Modèle d'entreprise: propositions de valeur

Solutions bancaires personnalisées pour les communautés locales

Au quatrième trimestre 2023, Trico Bancshares dessert 64 succursales à travers la Californie avec une base d'actifs totale de 13,4 milliards de dollars. La banque fournit des solutions bancaires localisées ciblant les besoins de la communauté spécifiques.

Catégorie de service	Nombre de produits locaux	Couverture communautaire
Banque personnelle	37 produits spécialisés	California Central Valley Region
Banque des petites entreprises	22 solutions sur mesure	15 comtés servis

Taux d'intérêt concurrentiels pour les prêts et les dépôts

Trico propose des tarifs compétitifs sur divers produits financiers:

• Taux d'intérêt des prêts personnels: 6,25% - 12,75%
• Taux de prêt d'entreprise: 5,50% - 9,85%
• Taux de compte d'épargne: 3,15% - 4,25%
• Certificat de taux de dépôt: 4,40% - 5,30%

Services financiers complets

Type de service	Total des clients	Revenus annuels
Banque d'affaires	7 200 clients commerciaux	124,6 millions de dollars
Banque personnelle	95 000 clients individuels	86,3 millions de dollars

Approche bancaire axée sur les relations

Durée moyenne de la relation client: 8,7 ans avec Taux de rétention de 98,2%.

Expérience bancaire numérique et traditionnelle intégrée

• Utilisateurs de la banque mobile: 62 000
• Transactions bancaires en ligne: 3,4 millions par an
• Taux de satisfaction de la plate-forme numérique: 94,5%

Trico Bancshares (TCBK) - Modèle d'entreprise: Relations clients

Gestion des relations bancaires personnelles

Depuis le quatrième trimestre 2023, Trico Bancshares a maintenu 72 emplacements bancaires à service complet à travers la Californie. La banque a servi environ 130 000 clients individuels et commerciaux avec des stratégies de gestion des relations personnalisées.

Segment de clientèle	Approche de gestion des relations	Taux de rétention de clientèle moyen
Banque personnelle	Consultation financière personnalisée	87.4%
Banque d'affaires	Gestionnaires de relations dédiées	92.6%

Assistance bancaire en ligne et mobile

Trico Bancshares Digital Banking Plateforme a rapporté 45 678 utilisateurs actifs des services bancaires mobiles en 2023, ce qui représente une croissance de 22% sur l'autre.

• Téléchargements d'applications bancaires mobiles: 28 345
• Banque en ligne utilisateurs actifs: 62 500
• Volume de transaction numérique: 1,3 milliard de dollars par an

Engagement client axé sur la communauté

La banque a investi 1,2 million de dollars dans des programmes d'engagement communautaire en 2023, soutenant les initiatives de développement économique locales.

Type d'engagement	Nombre d'événements	Impact communautaire
Ateliers commerciaux locaux	42	1 875 participants aux petites entreprises
Programmes de littératie financière	36	2 340 membres de la communauté ont atteint

Gestionnaires de relations dédiés pour les clients commerciaux

Trico Bancshares a employé 87 gestionnaires de relations commerciales spécialisées en 2023, desservant des segments commerciaux et de petites entreprises.

• Portefeuille client commercial moyen: 65 clients par gestionnaire
• Portefeuille de prêts bancaires d'entreprise: 1,8 milliard de dollars
• Taille moyenne des prêts commerciaux: 425 000 $

Canaux de service à la clientèle réactifs

La banque a maintenu plusieurs canaux de service à la clientèle avec un temps de réponse moyen de 12 minutes sur les plates-formes numériques.

Canal de service	Temps de réponse moyen	Évaluation de satisfaction du client
Support téléphonique	8 minutes	94%
Chat en ligne	6 minutes	91%
Assistance par e-mail	24 heures	88%

Trico Bancshares (TCBK) - Modèle d'entreprise: canaux

Réseau de succursale physique

En 2024, Trico Bancshares exploite 73 succursales à service complet à travers la Californie. Les emplacements des succursales sont concentrés dans les régions suivantes:

Région	Nombre de branches
Californie du Nord	48
Californie centrale	25

Plateforme bancaire en ligne

La plate-forme bancaire numérique fournit des services complets avec les fonctionnalités suivantes:

• Gestion des comptes
• Transferts de fonds
• Services de paiement de factures
• Historique des transactions
• Déclarations numériques

Application bancaire mobile

Statistiques des applications mobiles pour Trico Bancshares:

Métrique	Valeur
Téléchargements totaux d'applications mobiles	127,500
Utilisateurs actifs mensuels	84,300
Transactions bancaires mobiles	2,4 millions par mois

Réseau ATM

Trico Bancshares ATM Infrastructure:

• Emplacements totaux ATM: 92
• Transactions ATM gratuites: 150 000 par mois
• Couverture du réseau: Californie à l'échelle de l'État

Téléphone et support client numérique

Métriques des canaux de support client:

Canal de support	Temps de réponse moyen	Interactions mensuelles
Support téléphonique	3,2 minutes	45,600
Chat en ligne	2,7 minutes	38,200
Assistance par e-mail	6,5 heures	22,400

Trico Bancshares (TCBK) - Modèle d'entreprise: segments de clientèle

Petites et moyennes entreprises

Depuis le quatrième trimestre 2023, Trico Bancshares dessert environ 12 500 petites et moyennes entreprises de la Californie avec un portefeuille de prêts commerciaux total de 1,2 milliard de dollars.

Segment d'entreprise	Nombre de clients	Taille moyenne du prêt
Fabrication	1,850	$425,000
Services professionnels	2,750	$275,000
Vente au détail	3,600	$185,000

Entreprises du secteur agricole

Trico Bancshares est spécialisé dans les prêts agricoles avec 680 millions de dollars dédiés aux prêts commerciaux agricoles en Californie.

• Clients agricoles totaux: 3 200
• Taille moyenne des prêts agricoles: 212 500 $
• Secteurs des cultures primaires: amandes, raisins, produits laitiers

Clients bancaires individuels locaux

La banque dessert 87 500 clients bancaires individuels dans 71 succursales en Californie.

Type de compte	Nombre de clients	Solde moyen du compte
Comptes chèques	52,300	$14,750
Comptes d'épargne	35,200	$22,600

Investisseurs immobiliers commerciaux

Le portefeuille de prêts immobiliers commerciaux totalise 950 millions de dollars avec 1 100 investisseurs actifs.

• Prêt immobilier commercial moyen: 865 000 $
• Types de propriétés: multifamilial, bureau, vente au détail
• Focus géographique: Californie du Nord et du centre

Consommateurs de marché régional de la Californie

Trico Bancshares se concentre sur le marché californien avec une forte présence dans 12 comtés.

Région	Total des clients	Pénétration du marché
Sacramento Valley	42,500	38%
Californie centrale	35,700	29%
Californie du Nord	25,300	22%

Trico Bancshares (TCBK) - Modèle d'entreprise: Structure des coûts

Dépenses de fonctionnement de la succursale

Depuis l'exercice 2023, Trico Bancshares a exploité 75 succursales à travers la Californie. Les dépenses totales de l'exploitation des succursales étaient de 42,3 millions de dollars, notamment:

Catégorie de dépenses	Montant ($)
Loyer et location	15,600,000
Services publics	4,800,000
Entretien	3,900,000
Sécurité des succursales	2,700,000

Maintenance des infrastructures technologiques

Les coûts des infrastructures technologiques annuelles pour 2023 ont totalisé 22,1 millions de dollars, notamment:

• Systèmes bancaires de base: 8 500 000 $
• Infrastructure de cybersécurité: 5 600 000 $
• Systèmes de réseau et de communication: 4 200 000 $
• Licence et mises à jour du logiciel: 3 800 000 $

Salaires et avantages sociaux des employés

La rémunération totale des employés pour 2023 était de 98,6 millions de dollars:

Catégorie de compensation	Montant ($)
Salaires de base	72,400,000
Assurance maladie	12,300,000
Prestations de retraite	8,900,000
Bonus de performance	5,000,000

Coûts de conformité réglementaire

Les dépenses de conformité réglementaire pour 2023 s'élevaient à 16,5 millions de dollars:

• Frais juridiques et de conseil: 6 700 000 $
• Logiciel et systèmes de conformité: 4 200 000 $
• Frais d'audit et de rapport: 3 900 000 $
• Formation et certification: 1 700 000 $

Frais de marketing et d'acquisition des clients

Les coûts de marketing et d'acquisition des clients pour 2023 étaient de 12,4 millions de dollars:

Catégorie marketing	Montant ($)
Marketing numérique	4,800,000
Publicité traditionnelle	3,200,000
Programmes d'acquisition de clients	2,900,000
Matériel promotionnel	1,500,000

Trico Bancshares (TCBK) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des portefeuilles de prêts

Pour l'exercice 2023, Trico Bancshares a déclaré un revenu net d'intérêts de 386,4 millions de dollars. La répartition du portefeuille de prêts comprend:

Catégorie de prêt	Solde total en suspens
Prêts commerciaux	2,1 milliards de dollars
Prêts immobiliers	3,8 milliards de dollars
Prêts à la consommation	412 millions de dollars

Frais de service bancaire

Les revenus des frais de service pour 2023 ont totalisé 74,2 millions de dollars, avec une rupture spécifique comme suit:

• Frais de maintenance du compte: 22,6 millions de dollars
• Frais de transaction: 31,5 millions de dollars
• Frais de découvert: 12,4 millions de dollars
• Autres frais de service bancaire: 7,7 millions de dollars

Services d'investissement et de gestion de la patrimoine

Les revenus des services de gestion de patrimoine en 2023 ont atteint 43,7 millions de dollars, notamment:

Catégorie de service	Revenu
Frais de gestion des actifs	28,3 millions de dollars
Services de conseil financier	15,4 millions de dollars

Frais de transaction bancaire numérique

Les frais de transaction bancaire numérique pour 2023 s'élevaient à 16,5 millions de dollars, avec:

• Transactions bancaires en ligne: 9,2 millions de dollars
• Transactions bancaires mobiles: 7,3 millions de dollars

Revenus de produits hypothécaire et de prêt

Les revenus de produits hypothécaires et de prêts pour 2023 ont totalisé 62,9 millions de dollars, structuré comme:

Catégorie de produits	Revenu
Frais d'origine hypothécaire	37,6 millions de dollars
Frais de produits de prêt	25,3 millions de dollars

TriCo Bancshares (TCBK) - Canvas Business Model: Value Propositions

You're looking at what makes TriCo Bancshares stand out to its customers in Northern and Central California. It's not just about the rates; it's about how they deliver the service, which they brand as Service with Solutions®. This is their core promise, blending personal attention with the necessary business banking tools.

The local touch is a big part of that value. They rely on local bankers and local decision-making, which should mean faster turnaround times for you compared to a mega-bank where decisions get sent up the chain. To support this, as of 2024, TriCo Bancshares operated over 64 branches and 8 loan production offices across key California markets like the Sacramento Valley and the Bay Area. That physical presence backs up the promise of local expertise.

The competitive breadth they offer is extensive, covering the full spectrum from individual needs to complex corporate finance. They aren't just a small-town lender; they manage significant balance sheet activity. For instance, as of September 30, 2025, their total loan portfolio stood at $7.0 billion. This scale allows them to support a wide range of needs, including:

• Commercial and consumer lending.
• Mortgage banking and agricultural financing.
• Specialized wealth management and trust services.
• Equipment financing and treasury management solutions.

This depth of offering, combined with their local focus, is what they put forward as their unique proposition. Still, you need to see the results that back up the stability claim. TriCo Bancshares was founded in 1975, meaning they are marking 50 years of operation in California as of 2025. That longevity suggests a degree of resilience. Here's a quick look at their operational health as of the third quarter of 2025, which shows they are defintely profitable:

Metric	Value (Q3 2025)
Net Income	$34.0 million
Diluted EPS	$1.04
Fully Tax-Equivalent Net Interest Income	$89.8 million
Fully Tax-Equivalent Net Interest Margin	3.92%
Return on Average Assets (ROAA)	1.36%
Efficiency Ratio	56.18%
Book Value Per Share (as of 9/30/2025)	$40.12

The efficiency ratio of 56.18% in Q3 2025 indicates they are managing their operating costs reasonably well relative to their revenue generation for that period. Plus, their ability to generate a return on average equity of 10.47% shows they are creating value for shareholders on their capital base. Finance: review the loan growth rate from Q3 2025 against the 5-year historical average mentioned in the analyst reports by next Tuesday.

TriCo Bancshares (TCBK) - Canvas Business Model: Customer Relationships

You're focused on how TriCo Bancshares builds and maintains its connection with the people and businesses it serves across California. This isn't just about transactions; it's about deep, localized relationships, which is the core of their Tri Counties Bank subsidiary.

Relationship-based banking emphasizing personal service and trust.

TriCo Bancshares positions itself as California's Local Bank, prioritizing local bankers and local decision-making to foster trust. This commitment is reflected in their funding strategy, as the company continues to rely on organic deposit customers rather than utilizing brokered deposits to fund cash flow timing differences. As of June 30, 2025, the loan-to-deposit ratio stood at 83.1%, showing a solid base of customer funding supporting their lending activities. Furthermore, the bank achieved an Outstanding rating on its most recent Community Reinvestment Act (CRA) examination, which speaks directly to its relationship with the community and its service to low- and moderate-income neighborhoods. That's a key validation of their relationship-first approach. They have nearly 50 years of financial stability, having been established in 1975.

Specialized, expert service via restructured business and commercial management teams.

To enhance service for commercial clients, Tri Counties Bank actively restructured its business and commercial management teams, announced in June 2025, to deliver more specialized expertise. This move is designed to offer streamlined access to specialized lending for businesses of all sizes. The structure now clearly segments service: Business Banking is tailored for businesses generating between $2 million and $10 million in revenue. This focus on expertise is supported by strategic hiring, such as Scott Myers joining as Head of Wholesale Banking in the fourth quarter of 2024. As of September 30, 2025, total loans outstanding reached $7.0 billion, indicating a substantial portfolio managed by these specialized teams.

High-touch engagement through local branch staff and loan officers.

The physical presence remains central to the high-touch model. As of April 2025, Tri Counties Bank operated approximately 75 traditional branch locations and 115 ATMs across Northern and Central California. This network supports their commitment to having bankers available by phone 7 days per week. The total assets of the bank were nearly $10 billion at the start of 2025, with a projection to cross the $10 billion threshold in 2026, driven by this customer-focused execution. The loan portfolio, which stood at $7.0 billion on September 30, 2025, is serviced by these local teams, ensuring decisions are made locally.

You can see the scale of their lending activity and credit management in the table below:

Metric	Q3 2025 (As of 9/30/2025)	Q2 2025 (As of 6/30/2025)	Q1 2025 (As of 3/31/2025)
Total Loans Outstanding	$7.0 billion	$7.0 billion	$6.8 billion
Loan-to-Deposit Ratio	84.1%	83.1%	83.13%
Provision for Credit Losses (Quarterly)	$0.7 million	$4.7 million	$0.7 million (Q1 2025)
Weighted Average Coupon on Loan Production (Quarter)	6.71%	6.87%	6.96%

Community engagement and corporate philanthropy to build local loyalty.

Building local loyalty is cemented through tangible community investment. Tri Counties Bank actively supports local initiatives through grants and partnerships. For example, in November 2025, the bank awarded $250,000 in AHEAD Economic Development Grants. This followed a February 2025 award of $260,000 in similar grants. In July 2025, they partnered to donate $180,000 to Affordable Homeownership efforts. These actions, alongside their commitment to local decision-making, reinforce their standing as a community partner.

• Tri Counties Bank operates in communities throughout California.
• They provide access to approximately 40,000 surcharge-free ATMs nationwide.
• The bank recruits and retains diverse team members, recognized as among the Top Workplaces.

TriCo Bancshares (TCBK) - Canvas Business Model: Channels

You're looking at how TriCo Bancshares, through its subsidiary Tri Counties Bank, gets its 'Service with Solutions®' out to its customers across California and beyond. The channel strategy here is a classic regional bank mix, balancing physical presence with digital convenience, which is smart given that even in 2025, many customers still value a local banker.

The physical footprint is concentrated in California, but they've established a presence in key lending markets. You see this in their use of dedicated loan production offices, which often precede a full branch build-out or acquisition, like the one they opened in Los Angeles County previously.

The digital side is essential for 24/7 access, which is table stakes now. Honestly, most of your day-to-day banking happens on the phone or computer, but the physical locations remain crucial for complex transactions and relationship building.

Here's a breakdown of the delivery mechanisms TriCo Bancshares uses:

• Physical branch network, which includes both traditional stand-alone locations and in-store bank branches throughout California.
• Loan production offices focused on originating commercial real estate, small business, and other lending activities in key markets.
• Advanced mobile and online banking platforms providing customers with around-the-clock access to their accounts.
• Access to a nationwide network of approximately 40,000 surcharge-free ATMs via the MoneyPass® network.

To give you a clearer picture of the scale of these channels as of mid-to-late 2025, look at these operational metrics:

Channel Component	Metric/Count (As of 2025 Data)	Geographic Focus
Total Physical Locations (Branches & LPOs)	More than 75 locations	Communities throughout California
Surcharge-Free ATM Access	Approximately 40,000 ATMs	Nationwide (via MoneyPass® network)
Corporate/Administrative Offices	Chico, Roseville, South San Francisco, and Bakersfield	California
Average Full-Time Equivalent Staff	1,183 (as of June 30, 2025)	Supporting all channels

The digital channel is supported by tools that are standard for the time, like mobile check deposit capabilities and phone connection to live bankers seven days a week. While the physical network is anchored in California, the ATM access extends the reach significantly for customers on the move. The company's total assets were nearly $10 billion as of mid-2025, which backs up this extensive service structure.

You should keep an eye on how they integrate new physical points, like the planned San Francisco West Portal branch opening in late summer 2025, alongside their digital enhancements. Finance: draft 13-week cash view by Friday.

TriCo Bancshares (TCBK) - Canvas Business Model: Customer Segments

You're looking at the core customer base for TriCo Bancshares as of late 2025. The bank, through its subsidiary Tri Counties Bank, focuses on building relationships across California, which is where the bulk of its business resides.

The customer segments are broad, covering both the individual consumer and the established business owner. The bank explicitly serves a diverse range of industries, which is reflected in its loan portfolio, even if the exact percentage breakdown by industry isn't fully detailed in the latest filings.

We know the bank's operational scale supports these segments. As of September 30, 2025, TriCo Bancshares managed total assets of approximately $9.87 Billion USD. The total loan portfolio stood at $7.0 billion.

The reliance on organic deposit growth, without using brokered deposits in 2025, suggests a strong base of core, relationship-driven customers-both personal and commercial-funding the balance sheet.

Here's a look at the financial scale supporting these customer segments:

Metric	Value as of September 30, 2025	Context
Total Loans Outstanding	$7.0 billion	The total volume of credit extended to all customer types.
Total Assets	$9.87 Billion USD	The overall size of the balance sheet supporting all operations.
Noninterest-Bearing Deposits (Ending Balance)	$2,526,280 thousand	This figure, likely representing commercial operating accounts, was $2.526 billion.
Noninterest-Bearing Deposits (Average % of Total Deposits Q2 2025)	30.6%	A strong indicator of commercial or high-activity retail customer reliance.
Loan-to-Deposit Ratio	84.1%	Shows the proportion of customer deposits used to fund loans.

The customer base definitely includes personal clients across California communities. The bank emphasizes its service across California, having expanded its market reach into central California, specifically Bakersfield and Fresno, following an acquisition.

For small business and commercial clients, the bank provides a comprehensive suite of financial solutions. The focus on Commercial Real Estate is specifically noted as a service specialty.

The diverse industries served include:

• Manufacturing
• Real estate
• Retail
• Agriculture
• Professional services

It's defintely common for business owners who also use personal banking services to be part of the TriCo Bancshares customer base, as the bank notes that many business owners utilize both personal and business banking.

The bank's focus on organic deposit growth suggests a commitment to retaining these core relationship customers rather than relying on wholesale funding sources.

TriCo Bancshares (TCBK) - Canvas Business Model: Cost Structure

You're looking at the core expenses that drive TriCo Bancshares' operations as of late 2025. For a bank, the cost structure is dominated by funding costs-what it pays for deposits-and the people and technology needed to run the branches and digital channels.

The most significant variable cost is the interest expense on deposits. TriCo Bancshares actively manages this cost through pricing and product mix strategies. As of March 31, 2025, deposits managed under these customized strategies totaled $0.93 billion, carrying a weighted average rate of 3.43%. This shows a clear effort to control funding costs, which is critical for the net interest margin.

Noninterest expense is the next major bucket. For the six months ended June 30, 2025, total non-interest expense reached $120.7 million. A large part of this is personnel. TriCo Bancshares employed 1,201 people as of September 30, 2025. The largest component of noninterest expense, salaries and benefits, totaled $75.1 million for the first half of 2025, reflecting an increase of 7.8% year-over-year for that period, partly due to increased production volumes.

Here is a breakdown of key cost elements for the first half of 2025 and related data points:

Cost Component	Amount (Six Months Ended 6/30/2025)	Context/Period
Total Non-Interest Expense	$120.7 million	Six Months Ended June 30, 2025
Salaries and Benefits Expense	$75.1 million	Six Months Ended June 30, 2025
Total Employees	1,201	As of September 30, 2025
Provision for Credit Losses (PCL)	$3.73 million	Q1 2025 (Reported as $3,728 thousand)
Data Processing & Software Expense Change	$2.0 million increase (10.7%)	Year Ended December 31, 2024

The bank must also fund its operational backbone. Technology and infrastructure costs are embedded within noninterest expense, showing a clear investment trend. For instance, data processing and software expenses increased by $2.0 million, or 10.7%, for the year ended December 31, 2024, driven by ongoing investments in data management and security infrastructure. This spending supports the digital banking platforms and the network of ATMs that serve TriCo Bancshares' customers.

Credit risk management is a direct cost, reflected in the Provision for Credit Losses (PCL). For the first quarter of 2025, the PCL was $3.73 million (specifically reported as $3,728 thousand), which resulted from increases in reserves on individually evaluated loans.

You can see the ongoing focus on managing the deposit base through these cost control efforts:

• Deposits under customized pricing strategies: $0.93 billion as of March 31, 2025.
• Weighted average rate on those deposits: 3.43% as of March 31, 2025.
• The cost of total interest-bearing deposits decreased by 17 basis points between the three-month periods ended June 30, 2025, and June 30, 2024.

Finance: draft 13-week cash view by Friday.

TriCo Bancshares (TCBK) - Canvas Business Model: Revenue Streams

You're looking at the core engine of TriCo Bancshares' profitability, and honestly, it's what you'd expect from a solid community bank: lending money. The primary revenue driver is Net Interest Income (NII), which is the money earned from loans minus the interest paid on deposits and borrowings. For the second quarter of 2025, that NII hit $86.52 million.

This reliance on the interest rate spread is significant. Based on historical performance over the last five years, NII makes up approximately 83.3% of TriCo Bancshares' total revenue. That means non-interest income, while important for diversification, plays a supporting role in the overall top line. It's a clear signal that asset-liability management and loan growth are key to the business model's success.

To give you a snapshot of the scale we're talking about as of late 2025, here are some recent revenue figures. You can see how the LTM (Last Twelve Months) number incorporates the recent quarterly performance:

Metric	Amount	Period/Date
Total Revenue (LTM)	$399.27 million	Ending Q3 2025
Total Revenue	$103.6 million	Q2 2025
Net Interest Income (NII)	$86.52 million	Q2 2025
Net Interest Income (NII, FTE)	$89.8 million	Q3 2025
Revenue (Reported)	$106.87 million	Q3 2025

The second pillar of revenue comes from fee-based income, which is non-interest income. This stream comes from various banking services and, importantly for TriCo Bancshares, wealth management activities through its affiliations. While NII dominates, these fees provide a steadier, less rate-sensitive component to earnings. For the first six months of 2025, for instance, noninterest income rose to $33.2 million.

You can break down the sources contributing to that fee-based revenue like this:

• Banking services charges.
• Wealth management advisory fees.
• Income from credit products.
• Treasury management solutions.

The management commentary suggests they expect balance sheet growth from loans and deposits to continue driving NII expansion through the rest of 2025. Finance: draft 13-week cash view by Friday.