Trico Bancshares /: directors' dealings · United States · SEC (Form 4)

About Trico Bancshares /

TriCo Bancshares (ticker: TCBK) is a U.S. bank holding company listed on the NASDAQ Global Select Market in the United States. The company is headquartered in Chico, California, and its executive offices are also located there. TriCo Bancshares serves as the holding company for its wholly owned subsidiary, Tri Counties Bank, a California-chartered commercial bank. TriCo was incorporated in 1981, while the underlying bank was organized in 1975. For international investors, this is primarily a California-focused regional banking franchise rather than a national U.S. bank. ([tcbk.com](https://www.tcbk.com/application/files/3417/7670/9588/2025-Annual-Report.pdf)) The business model is centered on a broad range of consumer, small-business, and commercial banking services. Tri Counties Bank offers deposit products, savings accounts, certificates of deposit, commercial and real estate lending, and a variety of relationship banking services. According to the 2025 annual report, the bank operates across 31 California counties through a network of stand-alone and in-store branches. That footprint gives TriCo a community-bank profile with meaningful local market penetration, especially in California communities where customer relationships, deposit gathering, and credit underwriting are closely tied to regional economic conditions. ([tcbk.com](https://www.tcbk.com/application/files/3417/7670/9588/2025-Annual-Report.pdf)) From a competitive standpoint, TriCo Bancshares competes with larger national banks, other California regional banks, and credit unions. Its strengths are its local brand, long-standing presence, and relationship-driven model. At the same time, the company has a high geographic concentration in California, which management explicitly identifies as an important risk factor because the bank’s loan book and collateral are heavily linked to California real estate and local economic trends. TriCo operates under U.S. bank supervision, with oversight from the Federal Reserve, the California Department of Financial Protection & Innovation, and the FDIC. ([tcbk.com](https://www.tcbk.com/application/files/3417/7670/9588/2025-Annual-Report.pdf)) Recent developments underscore a cautious but shareholder-friendly capital posture. TriCo Bancshares reported its 2025 results and, in August 2025, increased its quarterly cash dividend. In January 2026, the company announced quarterly results and authorization of a new share repurchase program, indicating ongoing capital return to shareholders. The 2025 annual report shows deposits of about $8.26 billion and total assets of roughly $9.8 billion at year-end 2025, reinforcing TriCo’s profile as a mid-sized regional bank with a relatively conservative balance-sheet structure and recurring net interest income as its core earnings engine. ([sec.gov](https://www.sec.gov/Archives/edgar/data/356171/000035617126000036/tcbk_ar26-proof3filing.pdf))