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Trico Bancshares's Business Segments
Trico Bancshares's reported revenue by business segment and by geographic region, quarterly and annual, normalized against the consolidated income statement. Free below: the top 3 rows per table, this quarter and this fiscal year. Subscriber access adds the full segment history and operating income by segment.
Segment Data As of Q2 FY2026
Reportable Segments
6
Largest Segment
Reportable
Total Revenue
$ 109
Regions Reported
-
Revenue Share by Reportable Segment - Q2 FY2026
- Reportable251%
- Credit and Debit Card11.9%
- Deposit Account9.8%
- Financial Service, Other2.8%
- Mortgage Banking0.8%
- Excess Mortgage Servicing Rights-0.4%
Revenue by Reportable Segment - Q2 FY2026
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Reportable | $ 274 | 251% |
| Credit and Debit Card | $ 13 | 11.9% |
| Deposit Account | $ 11 | 9.8% |
3 more segments available
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Description of Trico Bancshares
TriCo Bancshares is a bank holding company incorporated in California in 1981 and registered under the Bank Holding Company Act of 1956, as amended. The Company’s principal subsidiary is Tri Counties Bank, a California-chartered commercial bank (the “Bank”). The Bank offers banking services to retail customers and small to medium-sized businesses through 67 branch offices in Northern and Central California. The Bank’s deposits are insured by the Federal Deposit Insurance Corporation (the “FDIC”) up to applicable limits. The Company and the Bank are headquartered in Chico, California.
Trico Bancshares operates primarily through its banking subsidiary, Tri Counties Bank, which provides a variety of financial products and services to meet the needs of customers in northern California. The company targets a diverse customer base, including individuals, businesses, and agricultural enterprises, and offers a comprehensive suite of financial solutions. Below is an extensive overview of the key segments, products, and services offered by Trico Bancshares:
Business Segments
1. Community Banking:
Trico Bancshares classifies all its operations under the umbrella of community banking. This segment emphasizes personalized banking services, fostering relationships with customers, and understanding the unique needs of the communities served.
Products and Services
A. Loan Products:
- Agribusiness Loans:
Trico Bancshares has a robust offering for agribusinesses, including loans tailored for farmers and agricultural producers, such as operating lines of credit, equipment financing, and real estate loans for farmland.
- Commercial Loans:
The bank provides a variety of commercial lending solutions designed to support business growth. This includes:
- Term Loans: For purchasing equipment or financing projects.
- Lines of Credit: To assist businesses with cash flow management.
- Commercial Real Estate Loans: Financing options for properties used in business operations including retail, office, and industrial spaces.
- Consumer Loans:
Trico Bancshares offers personal loans designed to meet the borrowing needs of individuals, which include:
- Auto Loans: Financing for purchasing new or used vehicles.
- Personal Loans: Unsecured loans for general purposes.
- Home Equity Lines of Credit (HELOC): For homeowners looking to leverage the equity in their homes.
- Residential Loans:
The bank offers a range of mortgage products for homebuyers and homeowners looking to refinance. This includes:
- Fixed-Rate Mortgages: Traditional long-term loans with stable interest rates.
- Adjustable-Rate Mortgages (ARMs): Loans with interest rates that may change over time.
- FHA and VA Loans: Government-backed loan options for eligible buyers, particularly first-time homebuyers.
B. Deposit Products:
- Checking Accounts:
Trico Bancshares provides several types of checking accounts tailored to different customer needs, including personal checking accounts for individuals and business checking accounts for local enterprises.
- Savings Accounts:
The bank offers savings accounts with competitive interest rates to promote savings among customers. Options may include regular savings accounts and high-yield savings accounts.
- Certificates of Deposit (CDs):
Trico Bancshares features CDs with various terms, offering higher interest rates for customers willing to lock in their funds for a specified period.
C. Treasury Management Services:
The banks treasury management solutions help businesses manage their cash flow and optimize liquidity. Services include:
- Merchant Services: Accepting card payments through point-of-sale systems.
- Automated Clearing House (ACH) Services: Facilitating direct deposits and electronic payments.
- Wire Transfers: Safe and secure methods for transferring funds.
D. Investment and Wealth Management:
Trico Bancshares provides investment advisory services, helping customers manage their portfolios and achieve their financial goals. These services may include:
- Retirement Planning: Assisting clients in preparing for retirement with tailored investment strategies.
- Wealth Management: Comprehensive financial planning services for high-net-worth individuals and families.
E. Online and Mobile Banking:
Trico Bancshares offers convenient digital banking solutions, allowing customers to manage their accounts from anywhere. Features often include:
- Online Bill Pay: Streamlined process for paying bills electronically.
- Mobile Banking Apps: Access to account information, mobile check deposits, and fund transfers through smartphones and tablets.
Conclusion
Trico Bancshares maintains a strong focus on community banking, providing a diverse array of financial products and services that cater to agribusiness, commercial, consumer, and residential customers. By prioritizing relationship banking and a deep understanding of local needs, Trico Bancshares aims to support the financial aspirations of its customer base in northern California.
Business Segments
1. Community Banking:
Trico Bancshares classifies all its operations under the umbrella of community banking. This segment emphasizes personalized banking services, fostering relationships with customers, and understanding the unique needs of the communities served.
Products and Services
A. Loan Products:
- Agribusiness Loans:
Trico Bancshares has a robust offering for agribusinesses, including loans tailored for farmers and agricultural producers, such as operating lines of credit, equipment financing, and real estate loans for farmland.
- Commercial Loans:
The bank provides a variety of commercial lending solutions designed to support business growth. This includes:
- Term Loans: For purchasing equipment or financing projects.
- Lines of Credit: To assist businesses with cash flow management.
- Commercial Real Estate Loans: Financing options for properties used in business operations including retail, office, and industrial spaces.
- Consumer Loans:
Trico Bancshares offers personal loans designed to meet the borrowing needs of individuals, which include:
- Auto Loans: Financing for purchasing new or used vehicles.
- Personal Loans: Unsecured loans for general purposes.
- Home Equity Lines of Credit (HELOC): For homeowners looking to leverage the equity in their homes.
- Residential Loans:
The bank offers a range of mortgage products for homebuyers and homeowners looking to refinance. This includes:
- Fixed-Rate Mortgages: Traditional long-term loans with stable interest rates.
- Adjustable-Rate Mortgages (ARMs): Loans with interest rates that may change over time.
- FHA and VA Loans: Government-backed loan options for eligible buyers, particularly first-time homebuyers.
B. Deposit Products:
- Checking Accounts:
Trico Bancshares provides several types of checking accounts tailored to different customer needs, including personal checking accounts for individuals and business checking accounts for local enterprises.
- Savings Accounts:
The bank offers savings accounts with competitive interest rates to promote savings among customers. Options may include regular savings accounts and high-yield savings accounts.
- Certificates of Deposit (CDs):
Trico Bancshares features CDs with various terms, offering higher interest rates for customers willing to lock in their funds for a specified period.
C. Treasury Management Services:
The banks treasury management solutions help businesses manage their cash flow and optimize liquidity. Services include:
- Merchant Services: Accepting card payments through point-of-sale systems.
- Automated Clearing House (ACH) Services: Facilitating direct deposits and electronic payments.
- Wire Transfers: Safe and secure methods for transferring funds.
D. Investment and Wealth Management:
Trico Bancshares provides investment advisory services, helping customers manage their portfolios and achieve their financial goals. These services may include:
- Retirement Planning: Assisting clients in preparing for retirement with tailored investment strategies.
- Wealth Management: Comprehensive financial planning services for high-net-worth individuals and families.
E. Online and Mobile Banking:
Trico Bancshares offers convenient digital banking solutions, allowing customers to manage their accounts from anywhere. Features often include:
- Online Bill Pay: Streamlined process for paying bills electronically.
- Mobile Banking Apps: Access to account information, mobile check deposits, and fund transfers through smartphones and tablets.
Conclusion
Trico Bancshares maintains a strong focus on community banking, providing a diverse array of financial products and services that cater to agribusiness, commercial, consumer, and residential customers. By prioritizing relationship banking and a deep understanding of local needs, Trico Bancshares aims to support the financial aspirations of its customer base in northern California.