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Dec 31, 2025
TriCo Q4 2025 Earnings Report
TriCo reported Q4 2025 results with $33.6 million in net income and $1.01 in EPS, supported by growth in loans and interest income.
Key Takeaways
TriCo Bancshares ended Q4 2025 with solid profitability, reporting over $33 million in net income. While net interest income rose due to higher yields on earning assets, increased deposit costs and declining noninterest income impacted overall performance.
Net income reached $33.6 million in Q4 2025.
EPS was $1.01 for the quarter.
Net interest income increased due to loan growth and rising interest rates.
Noninterest income declined due to lower service charges and losses on equity securities.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
TriCo expects stable loan growth and disciplined expense management in 2026 but remains cautious on deposit pricing pressures and noninterest income performance.
Positive Outlook
- Loan growth expected to continue into 2026.
- Expense control remains a strategic focus.
- Stable credit quality trends projected.
- Solid capital ratios to support growth and repurchases.
- Positive net interest income trajectory expected to sustain.
Challenges Ahead
- Noninterest income could remain under pressure.
- Deposit costs may continue to rise.
- Interest rate volatility poses risks to margin.
- Competition for deposits expected to stay high.
- Potential for increased credit costs in uncertain environment.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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