TriCo Bancshares is the holding company for Tri Counties Bank, a California community bank headquartered in Chico. The Bank offers standard commercial banking services — accepting deposits and making loans — to individuals, small businesses, and commercial customers across California, with branches concentrated in smaller and mid-sized communities. The loan portfolio is heavily weighted toward commercial real estate (CRE), which represents roughly 68% of total loans, followed by consumer loans at ~19% and commercial and industrial loans at ~6%. Like any community bank, TriCo earns money primarily on net interest income (NII) — the spread between what it earns on loans and investments and what it pays on deposits. Fee income, including service charges, treasury management fees, and brokerage referral fees through Raymond James, is a secondary and more stable revenue source. Credit quality is a key earnings driver, and TriCo's CRE concentration ties its credit performance closely to California property markets. Customers access the Bank through branches, online and mobile banking, and a nationwide ATM network. TriCo's competitive strategy centers on the classic community bank model: local relationships and personalized service in markets where large national banks are less focused. The Bank is approaching a meaningful regulatory threshold, with approximately $9.8B in total assets at year-end 2025 — crossing $10B would trigger CFPB direct examination, Durbin Amendment debit interchange fee caps, and changes to FDIC deposit insurance assessments.