TCBKLOW SIGNALFINANCIAL10-K

TCBK reported modest growth in total assets and improved operating cash flow generation while maintaining a stable loan portfolio composition.

The bank demonstrated steady operational performance with total assets growing from $9.7 billion to $9.8 billion and operating cash flow improving 21.5% to $133.3 million. The company simplified its capital structure by reducing its trust subsidiaries from five to two, which streamlines operations without material financial impact.

Comparing 2026-03-02 vs 2025-03-03View on EDGAR →
FINANCIAL ANALYSIS

TCBK showed healthy cash generation with operating cash flow increasing 21.5% to $133.3 million, indicating improved operational efficiency. Total assets grew modestly to $9.8 billion from $9.7 billion, while the loan portfolio composition remained relatively stable with commercial real estate continuing to dominate at 68.3% of total loans. The overall financial picture reflects a well-managed regional bank with steady growth and strong cash flow generation.

FINANCIAL STATEMENT CHANGES
Operating Cash Flow
Cash Flow
+21.5%
$109.7M→$133.3M

Operating cash flow grew 21.5% — strong conversion of earnings to cash, healthy business fundamentals.

LANGUAGE CHANGES
NEW — 2026-03-02
PRIOR — 2025-03-03
ADDED
The Company maintains two capital subsidiary business trusts (collectively, the Trusts), both organized by the Company.
For financial reporting purposes, the Company s remaining investments in the Trusts of $1.2 million are accounted for under the equity method and, accordingly, are not consolidated and are included in other assets on the consolidated balance sheet.
Tri Counties Bank The Bank was organized in 1975 and had total assets of approximately $9.8 billion at December 31, 2025.
At December 31, 2025, the Bank s consumer loans net of deferred fees outstanding were $1.3 billion (18.5%), commercial and industrial loans outstanding were $464.4 million (6.5%), real estate construction loans of $301.0 million (4.2%), and commercial real estate loans were $4.9 billion (68.3%) of total loans.
Human Capital Resources At December 31, 2025, we employed 1,148 persons.
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REMOVED
In addition, TriCo has five capital trusts, which are all wholly-owned trust subsidiaries formed for the purpose of issuing trust preferred securities ( Trust Preferred Securities ) and lending the proceeds to TriCo.
Copies of our annual reports on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K and amendments to these reports are available free of charge through the investors relations page of our website, www.tcbk.com/about/investor-relations , as soon as reasonably practicable after the Company files these reports with the U.S.
Tri Counties Bank The Bank was organized in 1975 and had total assets of approximately $9.7 billion at December 31, 2024.
The Bank focuses on relationships and personal contact, emphasizing its Service with Solutions .
At December 31, 2024, the Bank s consumer loans net of deferred fees outstanding were $1.3 billion (18.9%), commercial and industrial loans outstanding were $471.3 million (7.1%), real estate construction loans of $279.9 million (4.1%), and commercial real estate loans were $4.6 billion (67.6%) of total loans.
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