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目錄

美國

證券交易委員會

華盛頓特區20549

___________________

表格 10-Q

___________________

☒			根據1934年證券交易法第13或第15(d)條規定的季度報告

截至季度結束： 2024年9月30日

☐			根據1934年證券交易法第13或15(d)節規定的過渡報告

在過渡期間                to              

委託文件編號：001-39866000-10661

___________________

（按其章程規定的確切註冊人名稱）

___________________

加利福尼亞州						94-2792841
（註冊或組織的）提起訴訟的州或其他司法管轄區（如適用） 組建國的駐地						（IRS僱主 （標識號碼）

63憲法大道

奇科, 加利福尼亞州 95973

公司總部所在地的郵編

(530) 898-0300

(註冊人電話號碼，包括區號)

在法案第12(b)條的規定下注冊的證券：

每一類的名稱

交易 符號:

普通股，每股面值$0.001 ANNX

普通股

TCBK

納斯達克證券交易所

請勾選以下項目以表明公司是否：（1）在過去12個月內（或股東必須提交此類報告以更短的時間）按照1934年證券交易法第13或15（d）條款提交了所有要求提交的報告；並且（2）在過去的90天內一直受到這些申報要求的制約。 ☒ Yes ☐ 不

請在複選框上表示註冊人是否在過去的12個月（或者在此前的更短時間內必須提交此類文件的註冊人）電子提交了每個必須按照法規S-t（本章第232.405節的規定）提交的交互式數據文件。☒ Yes ☐ 不是

請通過複選標記指示註冊者是否爲大型加速文件提交者、加速文件提交者、非加速文件提交者、較小的報告公司或新興成長公司。請參閱《交易所法》第120億.2條中「加速文件提交者」、「大型加速文件提交者」、「較小的報告公司」和「新興成長公司」的定義。

☒

大型加速報告人

☐

加速文件申報人

☐

非加速文件提交人

☐

更小的報告公司

☐

成長型公司

如果是新興成長型公司，在選中複選標記的同時，如果公司已選擇不使用根據證券交易法第13(a)條提供的任何新的或修訂後的財務會計準則的延長過渡期來符合新的或修訂後的財務會計準則，則表明該公司已選擇不使用根據證券交易法第13(a)條提供的任何新的或修訂後的財務會計準則的延長過渡期來符合新的或修訂後的財務會計準則。☐

請用勾號勾選以下內容：c註冊人是否是一個空殼公司（根據證券交易法規則12b-2中的定義）。☐ 是 ☒ 否

請指明截至最近可行日期，每個發行人普通股類別的流通股數量：

普通股，無面值： 33,005,380 截至2024年11月6日，流通股總量。

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目錄

trico bancshares

10-Q表格

目錄

			頁面
第一部分 — 財務信息			3
項目 1 — 財務報表（未經審計）			3
項目2 — 管理層對財務狀況和經營業績的討論和分析			41
第 3 項 — 關於市場風險的定量和定性披露			63
項目 4 — 控制和程序			63
第二部分 — 其他信息			64
項目 1 — 法律訴訟			64
第 1A 項 — 風險因素			64
項目2 — 未註冊的股權證券銷售和所得款項的使用			64
第 5 項 – 其他信息
項目 6 — 展品			65
簽名			66

1

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目錄

首字母縮略詞和術語詞彙表

以下清單提供了本文件中使用的常見縮略語和術語的全面參考:

ACL			信用減值準備
可供出售金融資產			可供出售證券
未實現其他綜合收益			累計其他綜合損益
ASC			會計準則編碼
存款證書			存單
CDI			核心存款無形資產
房地產			商業房地產業
CMO			抵押抵押證券
DFPI			金融保護和創新部門
FASB			財務會計準則委員會
聯邦存款保險公司			聯邦存款保險公司
FHLB			聯邦住房貸款銀行
美國聯邦公開市場委員會			聯儲局公開市場委員會
聯邦儲備委員會			聯邦儲備委員會
全額應稅當量			完全應稅等價
通用會計準則			美國通用會計準則 (United States of America)
房屋淨值信貸			房屋淨值信貸額度
保留至到期			持有至到期投資證券
倫敦銀行同業拆借利率			倫敦銀行同業拆借利率
NIM			淨利息收益率
NPA			不良資產
收益			其他綜合收益
「PCD」是指斑岩銅 - 鉬系統。			Purchase Credit Deteriorated
計算機電源供應器。			績效限制性股票單位
ROUA			使用權資產
每個 RSU 表示有權獲得一股公司普通股或者相同價值的股票，公司有自主選擇權。在董事會職務退休當天，RSU 將產生效力，只要任職時間至少爲兩年。該公司根據其限制性股票計劃授予了 RSU。			受限制股票單位
SBA			美國小型企業管理局
補充執行退休計劃			補充執行退休金計劃
住宅房地產開發公司			Single Family Residence
SOFR			擔保隔夜融資利率
VRB			Valley Republic Bancorp
XBRL			可擴展業務報告語言

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目錄

第一部分 - 財務信息

項目 1。基本報表（未經審計）

trico bancshares

簡明合併資產負債表

(以千爲單位，除股份數據外；未經審計)

			2024年9月30日						2023年12月31日
資產：
現金和存放在銀行的款項			$	110,141					$	81,626
在聯邦儲備和其他銀行的現金			209,973						17,075
現金及現金等價物			320,114						98,701
投資證券：
可變現股份			2,690						2,634
可供出售債務證券，公允價值計量（攤餘成本爲 $2,159,708 和 $2,384,325)			1,979,270						2,152,504
持有至到期債務證券，以攤餘成本計量，扣除信用減值準備的淨額爲 $0			117,259						133,494
受限股票資產			17,250						17,250
待售貸款			1,995						458
貸款			6,683,891						6,794,470
信貸損失準備金			(123,760)						(121,522)
貸款總額淨額			6,560,131						6,672,948
資產和設備淨值			70,423						71,347
人壽保險現金價值			139,312						136,892
應計利息應收款			33,061						36,768
商譽			304,442						304,442
其他無形資產，淨額			7,462						10,552
經營租賃，使用權			24,716						26,133
其他			245,765						245,966
資產總額			$	9,823,890					$	9,910,089
負債和股東權益：
負債：
存款：
非利息-bearing 需求			$	2,547,736					$	2,722,689
計息帳戶			5,489,355						5,111,349
存款總額			8,037,091						7,834,038
應付應計利息			11,664						8,445
經營租賃負債			26,668						28,261
其他負債			141,521						145,982
其他借款			266,767						632,582
次級優先債務			101,164						101,099
負債合計			8,584,875						8,750,407
承諾和 contingencies（注9）
股東權益：
無面值優先股： 1,000,000 零 截至2024年9月30日和2023年12月31日發行並流通			—						—
普通股，無面值： 50,000,000 33,000,508 和 33,268,102 截至2024年9月30日和2023年12月31日，已發行並流通的股份分別爲			693,176						697,349
保留盈餘			662,816						615,502
歸屬於母公司股東權益的累積其他綜合收益（扣除所得稅後）			(116,977)						(153,169)
股東權益合計			1,239,015						1,159,682
負債和股東權益總計			$	9,823,890					$	9,910,089

請參見附註的未經審計的簡明合併財務報表。

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目錄

trico bancshares

簡明合併利潤表

(以千爲單位，除每股數據外；未經審計)

			三個月結束 9月30日,												九個月結束 9月30日,
			2024						2023						2024						2023
利息和股息收入：
包括費用在內的貸款			$	98,085					$	91,707					$	292,799					$	260,868
投資：
應稅證券			16,812						18,657						50,878						55,746
免稅證券			897						1,350						2,729						3,920
股息			376						333						1,143						935
聯邦儲備銀行和其他銀行的利息-bearing現金			1,177						333						2,247						976
利息和股息收入合計			117,347						112,380						349,796						322,445
利息支出:
存款			30,688						17,379						83,238						33,981
其他借款			2,144						5,106						13,640						13,318
次級優先債務			1,904						1,772						5,574						5,086
總利息支出			34,736						24,257						102,452						52,385
淨利息收入			82,611						88,123						247,344						270,060
撥備			220						4,155						4,930						18,000
信貸損失準備後的淨利息收入			82,391						83,968						242,414						252,060
非息收入：
服務費及手續費			12,782						13,075						38,215						37,240
貸款銷售收益			549						382						1,198						883
（損失）投資證券出售或交易的收益			2						—						(43)						(164)
資產管理和佣金收入			1,502						1,141						3,989						3,233
人壽保險現金價值增加			786						684						2,420						2,274
其他			874						702						2,353						1,894
總非利息收入			16,495						15,984						48,132						45,360
非利息支出：
工資和相關福利			35,550						34,463						105,255						101,740
其他			23,937						23,415						69,075						71,175
非利息支出總額			59,487						57,878						174,330						172,915
稅前收益			39,399						42,074						116,216						124,505
所得稅費用			10,348						11,484						30,382						33,190
淨利潤			$	29,051					$	30,590					$	85,834					$	91,315
每股數據：
基本每股收益			$	0.88					$	0.92					$	2.59					$	2.75
攤薄每股收益			$	0.88					$	0.92					$	2.58					$	2.74
每股分紅派息			$	0.33					$	0.30					$	0.99					$	0.90

CONDENSED CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME (LOSS)

(In thousands; unaudited)

			Three months ended September 30,												Nine months ended September 30,
			2024						2023						2024						2023
Net income			$	29,051					$	30,590					$	85,834					$	91,315
Other comprehensive income (loss), net of tax:
Unrealized gains (losses) on available for sale securities arising during the period			44,538						(44,040)						36,192						(31,511)
Change in minimum pension liability			—						—						—						—
Change in joint beneficiary agreements			—						—						—						—
Other comprehensive income (loss)			44,538						(44,040)						36,192						(31,511)
Comprehensive income (loss)			$	73,589					$	(13,450)					$	122,026					$	59,804

See accompanying notes to unaudited condensed consolidated financial statements.

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TRICO BANCSHARES

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY

(In thousands, except share and per share data; unaudited)

			Shares of Common Stock						Common Stock						Retained Earnings						Accumulated Other Comprehensive Income (Loss)						Total
Balance at July 1, 2023			33,259,260						$	695,305					$	578,852					$	(181,376)					$	1,092,781
Net income															30,590												30,590
Other comprehensive income (loss)																					(44,040)						(44,040)
RSU vesting									728																		728
PSU vesting									355																		355
RSUs released			5,061																								—
Repurchase of common stock			(997)						(19)						(15)												(34)
Dividends paid ($0.30 per share)															(9,979)												(9,979)
Three months ended September 30, 2023			33,263,324						$	696,369					$	599,448					$	(225,416)					$	1,070,401
Balance at July 1, 2024			32,989,327						$	691,878					$	644,687					$	(161,515)					$	1,175,050
Net income															29,051												29,051
Other comprehensive income (loss)																					44,538						44,538
Stock options exercised			7,500						174																		174
RSU vesting									809																		809
PSU vesting									348																		348
RSUs released			5,232																								—
PSUs released			—																								—
Repurchase of common stock			(1,551)						(33)						(34)												(67)
Dividends paid ($0.33 per share)															(10,888)												(10,888)
Three months ended September 30, 2024			33,000,508						$	693,176					$	662,816					$	(116,977)					$	1,239,015

Balance at January 1, 2023			33,331,513						$	697,448					$	542,873					$	(193,905)					$	1,046,416
Net income															91,315												91,315
Other comprehensive income (loss)																					(31,511)						(31,511)
Stock options exercised			8,000						156																		156
RSU vesting									2,082																		2,082
PSU vesting									972																		972
RSUs released			72,847																								—
PSUs released			55,928																								—
Repurchase of common stock			(204,964)						(4,289)						(4,819)												(9,108)
Dividends paid ($0.90 per share)															(29,921)												(29,921)
Nine months ended September 30, 2023			33,263,324						$	696,369					$	599,448					$	(225,416)					$	1,070,401
Balance at January 1, 2024			33,268,102						$	697,349					$	615,502					$	(153,169)					$	1,159,682
Net income															85,834												85,834
Other comprehensive income (loss)																					36,192						36,192
Stock options exercised			7,500						174																		174
RSU vesting									2,428																		2,428
PSU vesting									1,122																		1,122
RSUs released			69,043																								—
PSUs released			32,248																								—
Repurchase of common stock			(376,385)						(7,897)						(5,754)												(13,651)
Dividends paid ($0.99 per share)															(32,766)												(32,766)
Nine months ended September 30, 2024			33,000,508						$	693,176					$	662,816					$	(116,977)					$	1,239,015

See accompanying notes to unaudited condensed consolidated financial statements.

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TRICO BANCSHARES

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS

(In thousands; unaudited)

			For the nine months ended September 30,
			2024						2023
Operating activities:
Net income			$	85,834					$	91,315
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation of premises and equipment, and amortization			4,562						4,829
Amortization of intangible assets			3,090						4,902
Provision for credit losses on loans			4,670						16,415
Amortization of investment securities premium, net			511						433
Loss on sale of investment securities			43						164
Originations of loans for resale			(48,197)						(33,389)
Proceeds from sale of loans originated for resale			47,476						35,179
Gain on sale of loans			(1,198)						(883)
Change in fair market value of mortgage servicing rights			468						215
Provision for losses on foreclosed assets			—						679
Gain on transfer of loans to foreclosed assets			(38)						(114)
Loss (gain) on sale of foreclosed assets			26						(38)
Change in the market value of foreclosed assets			262						—
Operating lease expense payments			(4,658)						(4,840)
Loss on disposal of fixed assets			12						22
Increase in cash value of life insurance			(2,420)						(2,274)
Loss (gain) on marketable and trading equity securities			(121)						81
Equity compensation vesting expense			3,550						3,054
Change in:
Interest receivable			3,707						(2,739)
Interest payable			3,219						5,521
Amortization of operating lease ROUA			4,481						4,861
Other assets and liabilities, net			(19,812)						(21,016)
Net cash from operating activities			85,467						102,377
Investing activities:
Proceeds from maturities of securities available for sale			315,627						243,245
Proceeds from maturities of securities held to maturity			16,074						21,754
Proceeds from sale of available for sale securities			31,534						24,160
Purchases of securities available for sale			(122,873)						(34,468)
Loan origination and principal collections, net			107,690						(258,183)
Loans purchased			—						(6,423)
Proceeds from sale of other real estate owned			149						165
Purchases of premises and equipment			(3,250)						(3,885)
Net cash from investing activities			344,951						(13,635)
Financing activities:
Net change in deposits			203,053						(319,370)
Net change in other borrowings			(365,815)						273,370
Repurchase of common stock, net of option exercises			(13,651)						(9,108)
Dividends paid			(32,766)						(29,921)
Exercise of stock options			174						156
Net cash used by financing activities			(209,005)						(84,873)
Net change in cash and cash equivalents			221,413						3,869
Cash and cash equivalents, beginning of period			98,701						107,230
Cash and cash equivalents, end of period			$	320,114					$	111,099

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Supplemental disclosure of noncash activities:
Unrealized gain (loss) on securities available for sale			$	51,383					$	(44,738)
Market value of shares tendered in-lieu of cash to pay for exercise of options and/or related taxes			1,168						2,134
Obligations incurred in conjunction with leased assets			2,226						4,311
Loans transferred to foreclosed assets			458						105
Supplemental disclosure of cash flow activity:
Cash paid for interest expense			$	99,233					$	46,864
Cash paid for income taxes			27,200						39,800

See accompanying notes to unaudited condensed consolidated financial statements.

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NOTES TO UNAUDITED CONDENSED CONSOLIDATED FINANCIAL STATEMENTS

Note 1 - Summary of Significant Accounting Policies

Description of Business and Basis of Presentation

TriCo Bancshares (the “Company” or “we”) is a California corporation organized to act as a bank holding company for Tri Counties Bank (the “Bank”). The Company and the Bank are headquartered in Chico, California. The Bank is a California-chartered bank that is engaged in the general commercial banking business in 31 California counties. The consolidated financial statements are prepared in accordance with accounting policies generally accepted in the United States of America and general practices in the banking industry. All adjustments necessary for a fair presentation of these consolidated financial statements have been included and are of a normal and recurring nature. The financial statements include the accounts of the Company. All inter-company accounts and transactions have been eliminated in consolidation.

The Company has five capital subsidiary business trusts (collectively, the “Capital Trusts”) that issued trust preferred securities, including two organized by the Company and three acquired with the acquisition of North Valley Bancorp. For financial reporting purposes, the Company’s investments in the Capital Trusts of $1.8 million are accounted for under the equity method and, accordingly, are not consolidated and are included in other assets on the consolidated balance sheet. See the Note 8 - footnote Junior Subordinated Debt for additional information on borrowings outstanding.

Use of Estimates in the Preparation of Financial Statements

The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires Management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. The Company bases its estimates on historical experience and on various other assumptions that are believed to be reasonable under the circumstances, the results of which form the basis for making judgments about the carrying values of assets and liabilities that are not readily apparent from other sources. Actual results may differ from these estimates under different assumptions or conditions.

Certain information and footnote disclosures normally included in financial statements prepared in accordance with accounting principles generally accepted in the United States of America have been condensed or omitted pursuant to the rules and regulations of the Securities and Exchange Commission. These unaudited condensed consolidated financial statements should be read in conjunction with the audited consolidated financial statements and notes thereto included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2023 (the “2023 Annual Report”). The Company believes that the disclosures made are adequate to make the information not misleading.

Segment and Significant Group Concentration of Credit Risk

The Company grants agribusiness, commercial, consumer, and residential loans to customers located throughout California. The Company has a diversified loan portfolio within the business segments located in this geographical area. The Company currently classifies all its operation into one business segment that it denotes as community banking.

Geographical Descriptions

For the purpose of describing the geographical location of the Company’s operations, the Company has defined northern California as that area of California north of, and including, Stockton to the east and San Jose to the west; central California as that area of the state south of Stockton and San Jose, to and including, Bakersfield to the east and San Luis Obispo to the west; and southern California as that area of the state south of Bakersfield and San Luis Obispo.

Reclassification

Some items in the prior year consolidated financial statements were reclassified to conform to the current presentation. Reclassifications had no effect on prior year net income or shareholders’ equity.

Cash and Cash Equivalents

Net cash flows are reported for loan and deposit transactions and other borrowings. For purposes of the consolidated statement of cash flows, cash, due from banks with original maturities less than 90 days, interest-earning deposits in other banks, and Federal funds sold are considered to be cash equivalents.

Allowance for Credit Losses - Securities

The Company measures expected credit losses on HTM debt securities on a collective basis by major security type, then further disaggregated by sector and bond rating. Accrued interest receivable on HTM debt securities was considered insignificant at September 30, 2024 and December 31, 2023 and is therefore excluded from the estimate of credit losses. The estimate of expected credit losses considers historical credit loss information that is adjusted for current conditions and reasonable and supportable forecasts based on current and expected changes in credit ratings and default rates. Based on the implied guarantees of the U. S. Government or its agencies related to certain of these investment securities, and the absence of any historical or expected losses, substantially all qualify for a zero loss

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assumption. Management has separately evaluated its HTM investment securities from obligations of state and political subdivisions utilizing the historical loss data represented by similar securities over a period of time spanning nearly 50 years. As a result of this evaluation, management determined that the expected credit losses associated with these securities is not significant for financial reporting purposes and therefore, no allowance for credit losses has been recognized for any period reported.

The Company evaluates AFS debt securities in an unrealized loss position to determine whether the decline in the fair value below the amortized cost basis (impairment) is due to credit-related factors or noncredit-related factors. Any impairment that is not credit related is recognized in other comprehensive income, net of applicable taxes. Credit-related impairment is recognized as an allowance for credit losses on the balance sheet, limited to the amount by which the amortized cost basis exceeds the fair value, with a corresponding adjustment to earnings. Both the allowance for credit losses and the adjustment to net income may be reversed if conditions change. However, if the Company intends to sell an impaired available for sale debt security or more likely than not will be required to sell such a security before recovering its amortized cost basis, the entire impairment amount is recognized in earnings with a corresponding adjustment to the security's amortized cost basis. In evaluating available for sale debt securities in unrealized loss positions for impairment and the criteria regarding its intent or requirement to sell such securities, the Company considers the extent to which fair value is less than amortized cost, whether the securities are issued by the federal government or its agencies, whether downgrades by bond rating agencies have occurred, and the results of reviews of the issuers' financial condition, among other factors. Changes in the allowance for credit losses are recorded as provision for (or reversal of) credit loss expense. Losses are charged against the ACL when management believes the uncollectability of an available for sale debt security is confirmed or when either of the criteria regarding intent or requirement to sell is met. No security credit losses were recognized during the nine month periods ended September 30, 2024 and 2023, respectively.

Loans

Loans that management has the intent and ability to hold until maturity or payoff are reported at principal amount outstanding, net of deferred loan fees and costs. Loans are placed in nonaccrual status when reasonable doubt exists as to the full, timely collection of interest or principal, or a loan becomes contractually past due by 90 days or more with respect to interest or principal and is not well secured and in the process of collection. When a loan is placed on nonaccrual status, all interest previously accrued but not collected is reversed against interest income. Income on such loans is then recognized only to the extent that cash is received and where the future collection of principal is considered probable. Interest accruals are resumed on such loans only when they are brought fully current with respect to interest and principal and when, in the judgment of Management, the loan is estimated to be fully collectible as to both principal and interest. Accrued interest receivable is not included in the calculation of the allowance for credit losses.

Allowance for Credit Losses - Loans

The ACL is a valuation account that is deducted from the loan's amortized cost basis to present the net amount expected to be collected on the loans. Loans are charged-off against the allowance when management believes the recorded loan balance is confirmed as uncollectible. Expected recoveries do not exceed the aggregate of amounts previously charged-off and expected to be charged-off. Regardless of the determination that a charge-off is appropriate for financial accounting purposes, the Company manages its loan portfolio by continually monitoring, where possible, a borrower's ability to pay through the collection of financial information, delinquency status, borrower discussion and the encouragement to repay in accordance with the original contract or modified terms, if appropriate.

Management estimates the allowance balance using relevant information, from internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. The allowance for credit losses is measured on a collective (pool) basis when similar risk characteristics exist. Historical credit loss experience provides the basis for the estimation of expected credit losses, which captures loan balances as of a point in time to form a cohort, then tracks the respective losses generated by that cohort of loans over the remaining life. The Company identified and accumulated loan cohort historical loss data beginning with the fourth quarter of 2008 and through the current period. In situations where the Company's actual loss history was not statistically relevant, the loss history of peers, defined as financial institutions with assets greater than three billion and less than ten billion, were utilized to create a minimum loss rate. Adjustments to historical loss information are made for differences in relevant current loan-specific risk characteristics, such as historical timing of losses relative to the loan origination. In its loss forecasting framework, the Company incorporates forward-looking information through the use of macroeconomic scenarios applied over the forecasted life of the assets. These macroeconomic scenarios incorporate variables that have historically been key drivers of increases and decreases in credit losses. These variables include, but are not limited to changes in environmental conditions, such as California unemployment rates, household debt levels, changes in corporate debt yields, and U.S. gross domestic product.

PCD assets are assets acquired at a discount that is due, in part, to credit quality deterioration since origination. PCD assets are accounted for in accordance with ASC 326-20 and are initially recorded at fair value, by taking the sum of the present value of expected future cash flows and an allowance for credit losses, at acquisition. The allowance for credit losses for PCD assets is recorded through a gross-up of reserves on the balance sheet, while the allowance for acquired non-PCD assets, such as loans, is recorded through the provision for credit losses on the income statement, consistent with originated loans. Subsequent to acquisition, the allowance for credit losses for PCD loans will generally follow the same forward-looking estimation, provision, and charge-off process as non-PCD acquired and originated loans.

The Company has identified the following portfolio segments to evaluate and measure the allowance for credit loss:

Commercial real estate:

Commercial real estate - Non-owner occupied: These commercial properties typically consist of buildings which are leased to others for their use and rely on rents as the primary source of repayment. Property types are predominantly office, retail, or light industrial but the portfolio also has some special use properties. As such, the risk of loss associated with these properties is primarily driven by general

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economic changes or changes in regional economies and the impact of such on a tenant’s ability to pay. Ultimately this can affect occupancy, rental rates, or both. Additional risk of loss can come from new construction resulting in oversupply, the costs to hold or operate the property, or changes in interest rates. The terms on these loans at origination typically have maturities from five to ten years with amortization periods from fifteen to thirty years.

Commercial real estate - Owner occupied: These credits are primarily susceptible to changes in the financial condition of the business operated by the property owner. This may be driven by changes in, among other things, industry challenges, factors unique to the operating geography of the borrower, change in the individual fortunes of the business owner, general economic conditions and changes in business cycles. When default is driven by issues related specifically to the business owner, collateral values tend to provide better repayment support and may result in little or no loss. Alternatively, when default is driven more by general economic conditions, the underlying collateral may have devalued more and thus result in larger losses in the event of default. The terms on these loans at origination typically have maturities from five to ten years with amortization periods from fifteen to thirty years.

Multifamily: These commercial properties are generally comprised of more than four rentable units, such as apartment buildings, with each unit intended to be occupied as the primary residence for one or more persons. Multifamily properties are also subject to changes in general or regional economic conditions, such as unemployment, ultimately resulting in increased vacancy rates or reduced rents or both. In addition, new construction can create an oversupply condition and market competition resulting in increased vacancy, reduced market rents, or both. Due to the nature of their use and the greater likelihood of tenant turnover, the management of these properties is more intensive and therefore is more critical to the preclusion of loss.

Farmland: While the Company has few loans that were originated for the purpose of the acquisition of these commercial properties, loans secured by farmland represent unique risks that are associated with the operation of an agricultural businesses. The valuation of farmland can vary greatly over time based on the property's access to resources including but not limited to water, crop prices, foreign exchange rates, government regulation or restrictions, and the nature of ongoing capital investment needed to maintain the quality of the property. Loans secured by farmland typically represent less risk to the Company than other agriculture loans as the real estate typically provides greater support in the event of default or need for longer term repayment.

Consumer loans:

SFR 1-4 1st DT Liens: The most significant drivers of potential loss within the Company's residential real estate portfolio relate general, regional, or individual changes in economic conditions and their effect on employment and borrowers cash flow. Risk in this portfolio is best measured by changes in borrower credit score and loan-to-value. Loss estimates are based on the general movement in credit score, economic outlook and its effects on employment and the value of homes and the Bank’s historical loss experience adjusted to reflect the economic outlook and the unemployment rate.

SFR HELOCs and Junior Liens: Similar to residential real estate term loans, HELOCs and junior liens performance is also primarily driven by borrower cash flows based on employment status. However, HELOCs carry additional risks associated with the fact that most of these loans are secured by a deed of trust in a position that is junior to the primary lien holder. Furthermore, the risk that as the borrower's financial strength deteriorates, the outstanding balance on these credit lines may increase as they may only be canceled by the Company if certain limited criteria are met. In addition to the allowance for credit losses maintained as a percent of the outstanding loan balance, the Company maintains additional reserves for the unfunded portion of the HELOC.

Other: The majority of consumer loans are secured by automobiles, with the remainder primarily unsecured revolving debt (credit cards). These loans are susceptible to three primary risks; non-payment due to income loss, over-extension of credit and, when the borrower is unable to pay, shortfall in collateral value, if any. Typically non-payment is due to loss of job and will follow general economic trends in the marketplace driven primarily by rises in the unemployment rate. Loss of collateral value can be due to market demand shifts, damage to collateral itself or a combination of those factors. Credit card loans are unsecured and while collection efforts are pursued in the event of default, there is typically limited opportunity for recovery. Loss estimates are based on the general movement in credit score, economic outlook and its effects on employment and the Bank’s historical loss experience adjusted to reflect the economic outlook and the unemployment rate.

Commercial and Industrial:

Repayment of these loans is primarily based on the cash flow of the borrower, and secondarily on the underlying collateral provided by the borrower. A borrower's cash flow may be unpredictable, and collateral securing these loans may fluctuate in value. Most often, collateral includes accounts receivable, inventory, or equipment. Collateral securing these loans may depreciate over time, may be difficult to appraise, may be illiquid and may fluctuate in value based on the success of the business. Actual and forecast changes in gross domestic product are believed to be corollary to losses associated with these credits.

Construction:

While secured by real estate, construction loans represent a greater level of risk than term real estate loans due to the nature of the additional risks associated with the not only the completion of construction within an estimated time period and budget, but also the need to either sell the building or reach a level of stabilized occupancy sufficient to generate the cash flows necessary to support debt service and operating costs. The Company seeks to mitigate the additional risks associated with construction lending by requiring borrowers to comply with lower loan to value ratios and additional covenants as well as strong tertiary support of guarantors. The loss forecasting model applies the historical rate of loss for similar loans over the expected life of the asset as adjusted for macroeconomic factors.

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Agriculture Production:

Repayment of agricultural loans is dependent upon successful operation of the agricultural business, which is greatly impacted by factors outside the control of the borrower. These factors include adverse weather conditions, including access to water, that may impact crop yields, loss of livestock due to disease or other factors, declines in market prices for agriculture products, changes in foreign exchange, and the impact of government regulations. In addition, many farms are dependent on a limited number of key individuals whose injury or death may significantly affect the successful operation of the business. Consequently, agricultural production loans may involve a greater degree of risk than other types of loans.

Leases:

The loss forecasting model applies the historical rate of loss for similar loans over the expected life of the asset. Leases typically represent an elevated level of credit risk as compared to loans secured by real estate as the collateral for leases is often subject to a more rapid rate of depreciation or depletion. The ultimate severity of loss is impacted by the type of collateral securing the exposure, the size of the exposure, the borrower’s industry sector, any guarantors and the geographic market. Assumptions of expected loss are conditioned to the economic outlook and the other variables discussed above.

Unfunded commitments:

The estimated credit losses associated with these unfunded lending commitments is calculated using the same models and methodologies noted above and incorporate utilization assumptions at time of default. The reserve for unfunded commitments is maintained on the consolidated balance sheet in other liabilities.

Accounting Standards Update

Accounting standards adopted in the current period

Standard

Summary of Guidance

Effects on financial statements

None

Accounting standards yet to be adopted

Standard

Summary of Guidance

Effects on financial statements

ASU 2023-07 - Segment Reporting (Topic 280): Improvement to Reportable Segments

• Requires disclosure of the position and title of the chief operating decision maker (CODM) and significant segment expenses that the CODM is regularly provided. • Requires the disclosure of other segment items representing the difference between segment revenue and expense and the profit and loss measure of the segment. • Allows for the CODM to use more than one measure of segment profit and loss, as long as one measure is consistent with GAAP.

• Effective for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. • Early adoption is permitted. • The amendments are to be applied retrospectively to all periods presented and segment expense categories should be based on the categories identified at adoption. • TriCo does not expect adoption of the standard to have a material impact on its consolidated financial statements.

ASU 2023-09 - Income Taxes (Topic 740): Improvements to Income Tax Disclosures

• Requires a tabular rate reconciliation using both percentages and reporting currency amounts between the reported amount of income tax expense (or benefit) to the amount of statutory federal income tax at current rates for specified categories using specified disaggregation criteria. • The amount of net income taxes paid for federal, state, and foreign taxes, as well as the amount paid to any jurisdiction that net taxes exceed a 5% quantitative threshold. • The amendments will require the disclosure of pre-tax income disaggregated between domestic and foreign, as well as income tax expense disaggregated by federal, state, and foreign. • The amendment also eliminates certain disclosures related to unrecognized tax benefits and certain temporary differences.

• Effective for fiscal years beginning after December 15, 2024. • Early adoption is permitted in any annual period where financial statements have not yet been issued. • The amendments should be applied on a prospective basis but retrospective application is permitted. • TriCo does not expect adoption of the standard to have a material impact on its consolidated financial statements.

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Note 2 - Investment Securities

The amortized cost, estimated fair values and allowance for credit losses of investments in debt securities are summarized in the following tables:

			September 30, 2024
(in thousands)			Amortized Cost						Gross Unrealized Gains						Gross Unrealized Losses												Estimated Fair Value
Debt Securities Available for Sale
Obligations of U.S. government agencies			$	1,234,038					$	76					$	(132,117)											$	1,101,997
Obligations of states and political subdivisions			249,709						159						(20,526)												229,342
Corporate bonds			6,179						20						(335)												5,864
Asset backed securities			364,561						492						(1,513)												363,540
Non-agency collateralized mortgage obligations			305,221						352						(27,046)												278,527
Total debt securities available for sale			$	2,159,708					$	1,099					$	(181,537)											$	1,979,270
Debt Securities Held to Maturity
Obligations of U.S. government agencies			$	114,558					$	4					$	(5,253)											109,309
Obligations of states and political subdivisions			2,701						6						(29)												2,678
Total debt securities held to maturity			$	117,259					$	10					$	(5,282)											$	111,987

			December 31, 2023
(in thousands)			Amortized Cost						Gross Unrealized Gains						Gross Unrealized Losses												Estimated Fair Value
Debt Securities Available for Sale
Obligations of U.S. government agencies			$	1,386,772					$	2					$	(165,037)											$	1,221,737
Obligations of states and political subdivisions			262,879						268						(26,772)												236,375
Corporate bonds			6,173						—						(571)												5,602
Asset backed securities			359,214						255						(4,188)												355,281
Non-agency collateralized mortgage obligations			369,287						—						(35,778)												333,509
Total debt securities available for sale			$	2,384,325					$	525					$	(232,346)											$	2,152,504
Debt Securities Held to Maturity
Obligations of U.S. government agencies			$	130,823					$	—					$	(8,331)											$	122,492
Obligations of states and political subdivisions			2,671						6						(43)												2,634
Total debt securities held to maturity			$	133,494					$	6					$	(8,374)											$	125,126

Proceeds from the sale of available for sale investment securities totaled $28.6 million and $24.2 million for the nine months ended September 30, 2024 and 2023, respectively, resulting in gross realized losses of $2.9 million and $0.2 million, respectively. In addition, during the nine months ended September 30, 2024, the Company participated in and completed an exchange offering with Visa, which resulted in a gain of $2.9 million. See further discussion in Note 9 - Commitments and Contingencies. There were no sales of investment securities during the three months ended September 30, 2024 or 2023. Investment securities with an aggregate carrying value of $761.6 million and $702.2 million at September 30, 2024 and December 31, 2023, respectively, were pledged as collateral for specific borrowings, lines of credit or local agency deposits.

The amortized cost and estimated fair value of debt securities at September 30, 2024 by contractual maturity are shown below. Actual maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. At September 30, 2024, obligations of U.S. government corporations and agencies with a cost basis totaling $1.3 billion consist almost entirely of residential real estate mortgage-backed securities whose contractual maturity, or principal repayment, will follow the repayment of the underlying mortgages. For purposes of the following table, the entire outstanding balance of these mortgage-backed securities issued by U.S. government corporations and agencies is categorized based on final maturity date. At September 30, 2024, the Company estimates the average remaining life of these mortgage-backed securities issued by U.S. government corporations and agencies to be approximately 6.67 years. Average remaining life is defined as the time span after which the principal balance has been reduced by half.

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As of September 30, 2024, the contractual final maturity for available for sale and held to maturity investment securities is as follows:

Debt Securities			Available for Sale												Held to Maturity
(in thousands)			Amortized Cost						Estimated Fair Value						Amortized Cost						Estimated Fair Value
Due in one year			$	6,625					$	6,421					$	1,137					$	1,143
Due after one year through five years			62,174						60,553						3,453						3,361
Due after five years through ten years			239,924						231,415						87,693						83,990
Due after ten years			1,850,985						1,680,881						24,976						23,493
Totals			$	2,159,708					$	1,979,270					$	117,259					$	111,987

Based on an evaluation of available information including security type, counterparty credit quality, past events, current conditions, and reasonable and supportable forecasts that are relevant to collectability of cash flows, as of September 30, 2024, the Company has concluded that it expects to receive all contractual cash flows from each security held in its AFS and HTM debt securities portfolio. There was no allowance for credit losses related to investment securities as of September 30, 2024 or December 31, 2023.

Gross unrealized losses on debt securities and the fair value of the related securities, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, were as follows:

September 30, 2024:			Less than 12 months												12 months or more												Total
(in thousands)			Fair Value						Unrealized Loss						Fair Value						Unrealized Loss						Fair Value						Unrealized Loss
Debt Securities Available for Sale
Obligations of U.S. government agencies			$	7					$	(1)					$	1,092,624					$	(132,116)					$	1,092,631					$	(132,117)
Obligations of states and political subdivisions			—						—						216,428						(20,526)						216,428						(20,526)
Corporate bonds			—						—						4,598						(335)						4,598						(335)
Asset backed securities			107,510						(164)						109,099						(1,349)						216,609						(1,513)
Non-agency collateralized mortgage obligations			—						—						245,023						(27,046)						245,023						(27,046)
Total debt securities available for sale			$	107,517					$	(165)					$	1,667,772					$	(181,372)					$	1,775,289					$	(181,537)
Debt Securities Held to Maturity
Obligations of U.S. government agencies			$	—					$	—					$	109,144					$	(5,253)					$	109,144					$	(5,253)
Obligations of states and political subdivisions			506						(3)						1,029						(26)						1,535						(29)
Total debt securities held to maturity			$	506					$	(3)					$	110,173					$	(5,279)					$	110,679					$	(5,282)

December 31, 2023:			Less than 12 months												12 months or more												Total
(in thousands)			Fair Value						Unrealized Loss						Fair Value						Unrealized Loss						Fair Value						Unrealized Loss
Debt Securities Available for Sale
Obligations of U.S. government agencies			$	224					$	—					$	1,221,320					$	(165,037)					$	1,221,544					$	(165,037)
Obligations of states and political subdivisions			6,229						(75)						216,497						(26,697)						222,726						(26,772)
Corporate bonds			—						—						5,602						(571)						5,602						(571)
Asset backed securities			15,928						(93)						264,731						(4,095)						280,659						(4,188)
Non-agency collateralized mortgage obligations			44,276						(583)						289,233						(35,195)						333,509						(35,778)
Total debt securities available for sale			$	66,657					$	(751)					$	1,997,383					$	(231,595)					$	2,064,040					$	(232,346)
Debt Securities Held to Maturity
Obligations of U.S. government agencies			$	—					$	—					$	122,259					$	(8,331)					$	122,259					$	(8,331)
Obligations of states and political subdivisions			—						—						1,012						(43)						1,012						(43)
Total debt securities held to maturity			$	—					$	—					$	123,271					$	(8,374)					$	123,271					$	(8,374)

Obligations of U.S. government agencies: The unrealized losses on investments in obligations of U.S. government agencies are caused by interest rate increases and illiquidity. The contractual cash flows of these securities are guaranteed by U.S. Government Sponsored Entities (principally Fannie Mae and Freddie Mac). It is expected that the securities would not be settled at a price less than the amortized cost of the investment. Because management believes the decline in fair value is attributable to changes in interest rates and not credit quality, and because the Company does not intend to sell and more likely than not will not be required to sell, there is no impairment on these securities

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and there has been no credit losses recorded as of September 30, 2024. At September 30, 2024, 144 debt securities representing obligations of U.S. government agencies had unrealized losses with aggregate depreciation of 10.79% from the Company’s amortized cost basis.

Obligations of states and political subdivisions: The unrealized losses on investments in obligations of states and political subdivisions were caused by increases in required yields by investors in these types of securities. It is expected that the securities would not be settled at a price less than the amortized cost of the investment. Because management believes the decline in fair value is attributable to changes in interest rates and not credit quality, and because the Company does not intend to sell and more likely than not will not be required to sell, there is no impairment on these securities and there has been no credit losses recorded as of September 30, 2024. At September 30, 2024, 148 debt securities representing obligations of states and political subdivisions had unrealized losses with aggregate depreciation of 8.66% from the Company’s amortized cost basis.

Corporate bonds: The unrealized losses on investments in corporate bonds were caused by increases in required yields by investors in these types of securities. It is expected that the securities would not be settled at a price less than the amortized cost of the investment. Because management believes the decline in fair value is attributable to changes in interest rates and not credit quality, and because the Company does not intend to sell and more likely than not will not be required to sell, there is no impairment on these securities and there has been no credit losses recorded as of September 30, 2024. At September 30, 2024, 5 debt securities representing corporate bonds had unrealized losses with aggregate depreciation of 6.81% from the Company’s amortized cost basis.

Asset backed securities: The unrealized losses on investments in asset backed securities were caused by increases in required yields by investors for these types of securities. At the time of purchase, each of these securities was rated AA or AAA and through September 30, 2024 has not experienced any deterioration in credit rating. At September 30, 2024, 24 asset backed securities had unrealized losses with aggregate depreciation of 0.69% from the Company’s amortized cost basis. The Company continues to monitor these securities for changes in credit rating or other indications of credit deterioration. Because management believes the decline in fair value is attributable to changes in interest rates and not credit quality, and because the Company does not intend to sell and more likely than not will not be required to sell, there is no impairment on these securities and there has been no credit losses recorded as of September 30, 2024.

Non-agency collateralized mortgage obligations: The unrealized losses on investments in asset backed securities were caused by increases in required yields by investors in these types of securities. It is expected that the securities would not be settled at a price less than the amortized cost of the investment. Because management believes the decline in fair value is attributable to changes in interest rates and not credit quality, and because the Company does not intend to sell and more likely than not will not be required to sell, there is no impairment on these securities and there has been no credit losses recorded as of September 30, 2024. At September 30, 2024, 18 asset backed securities had unrealized losses with aggregate depreciation of 9.94% from the Company’s amortized cost basis.

The Company monitors credit quality of debt securities held-to-maturity through the use of credit rating. The Company monitors the credit rating on a monthly basis. The following table summarizes the amortized cost of debt securities held-to-maturity at the dates indicated, aggregated by credit quality indicator:

			September 30, 2024												December 31, 2023
(in thousands)			AAA/AA/A						BBB/BB/B						AAA/AA/A						BBB/BB/B
Obligations of U.S. government agencies			$	114,558					$	—					$	130,823					$	—
Obligations of states and political subdivisions			2,701						—						2,671						—
Total debt securities held to maturity			$	117,259					$	—					$	133,494					$	—

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Note 3 – Loans

A summary of loan balances at amortized cost are as follows:

(in thousands)			September 30, 2024						December 31, 2023
Commercial real estate:
CRE non-owner occupied			$	2,251,705					$	2,217,806
CRE owner occupied			947,278						956,440
Multifamily			1,020,466						949,502
Farmland			268,075						271,054
Total commercial real estate loans			4,487,524						4,394,802
Consumer:
SFR 1-4 1st DT liens			865,756						883,438
SFR HELOCs and junior liens			355,341						356,813
Other			62,866						73,017
Total consumer loans			1,283,963						1,313,268
Commercial and industrial			484,763						586,455
Construction			276,095						347,198
Agriculture production			144,123						144,497
Leases			7,423						8,250
Total loans, net of deferred loan fees and discounts			$	6,683,891					$	6,794,470
Total principal balance of loans owed, net of charge-offs			$	6,720,629					$	6,834,935
Unamortized net deferred loan fees			(15,298)						(15,826)
Discounts to principal balance of loans owed, net of charge-offs			(21,440)						(24,639)
Total loans, net of unamortized deferred loan fees and discounts			$	6,683,891					$	6,794,470
Allowance for credit losses on loans			$	(123,760)					$	(121,522)

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Note 4 – Allowance for Credit Losses

For the periods indicated, the following tables summarize the activity in the allowance for credit losses on loans which is recorded as a contra asset, and the reserve for unfunded commitments which is recorded on the balance sheet within other liabilities:

			Allowance for credit losses – Three months ended September 30, 2024
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending  Balance
Commercial real estate:
CRE non-owner occupied			$	37,155											$	—					$	—					$	(949)					$	36,206
CRE owner occupied			15,873												—						1						(492)						15,382
Multifamily			15,973												—						—						(238)						15,735
Farmland			4,031												—						—						(15)						4,016
Total commercial real estate loans			73,032												—						1						(1,694)						71,339
Consumer:
SFR 1-4 1st DT liens			14,604												—						—						(238)						14,366
SFR HELOCs and junior liens			10,087												—						196						(98)						10,185
Other			2,983												(170)						63						77						2,953
Total consumer loans			27,674												(170)						259						(259)						27,504
Commercial and industrial			12,128												(274)						106						2,493						14,453
Construction			7,466												—						—						(347)						7,119
Agriculture production			3,180												—						1						131						3,312
Leases			37												—						—						(4)						33
Allowance for credit losses on loans			123,517												(444)						367						320						123,760
Reserve for unfunded commitments			6,210												—						—						(100)						6,110
Total			$	129,727											$	(444)					$	367					$	220					$	129,870

			Allowance for credit losses – Nine months ended September 30, 2024
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending  Balance
Commercial real estate:
CRE non-owner occupied			$	35,077											$	—					$	—					$	1,129					$	36,206
CRE owner occupied			15,081												—						2						299						15,382
Multifamily			14,418												—						—						1,317						15,735
Farmland			4,288												—						—						(272)						4,016
Total commercial real estate loans			68,864												—						2						2,473						71,339
Consumer:
SFR 1-4 1st DT liens			14,009												(26)						—						383						14,366
SFR HELOCs and junior liens			10,273												(41)						296						(343)						10,185
Other			3,171												(538)						184						136						2,953
Total consumer loans			27,453												(605)						480						176						27,504
Commercial and industrial			12,750												(1,274)						389						2,588						14,453
Construction			8,856												—						—						(1,737)						7,119
Agriculture production			3,589												(1,450)						26						1,147						3,312
Leases			10												—						—						23						33
Allowance for credit losses on loans			121,522												(3,329)						897						4,670						123,760
Reserve for unfunded commitments			5,850												—						—						260						6,110
Total			$	127,372											$	(3,329)					$	897					$	4,930					$	129,870

In determining the allowance for credit losses, accruing loans with similar risk characteristics are generally evaluated collectively. To estimate expected losses the Company generally utilizes historical loss trends and the remaining contractual lives of the loan portfolios to determine estimated credit losses through a reasonable and supportable forecast period. Individual loan credit quality indicators including loan grade and borrower repayment performance have been statistically correlated with historical credit losses and various econometrics,

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including California unemployment, gross domestic product, and corporate bond yields. Model forecasts may be adjusted for inherent limitations or biases that have been identified through independent validation and back-testing of model performance to actual realized results.

The Company utilizes a forecast period of approximately eight quarters and obtains the forecast data from publicly available sources as of the balance sheet date. This forecast data continues to evolve and includes improving shifts in the magnitude of changes for both the unemployment and GDP factors leading up to the balance sheet date. Core inflation is slowing but prices remain elevated relative to wage increases, as reflected by higher living costs such as housing, energy and general services. Actions by the Federal Reserve to cut rates during 2024 and beyond may help improve this outlook overall, but the uncertainty associated with the extent and timing of these potential reductions has inhibited a material change to forecasted reserve levels. Furthermore, geopolitical risks remain elevated and appear to be getting worse, which may lead to further negative effects on domestic economic outcomes. As a result, management continues to believe that certain credit weaknesses are present in the overall economy and that it is appropriate to maintain a reserve level that incorporates such risk factors.

For the periods indicated, the following tables summarize the activity in the allowance for credit losses on loans which is recorded as a contra asset, and the reserve for unfunded commitments which is recorded on the balance sheet within other liabilities:

			Allowance for credit losses – Year ended December 31, 2023
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending Balance
Commercial real estate:
CRE non-owner occupied			$	30,962											$	—					$	—					$	4,115					$	35,077
CRE owner occupied			14,014												(3,637)						2						4,702						15,081
Multifamily			13,132												—						—						1,286						14,418
Farmland			3,273												—						—						1,015						4,288
Total commercial real estate loans			61,381												(3,637)						2						11,118						68,864
Consumer:
SFR 1-4 1st DT liens			11,268												—						262						2,479						14,009
SFR HELOCs and junior liens			11,413												(66)						723						(1,797)						10,273
Other			1,958												(558)						190						1,581						3,171
Total consumer loans			24,639												(624)						1,175						2,263						27,453
Commercial and industrial			13,597												(3,879)						316						2,716						12,750
Construction			5,142												—						—						3,714						8,856
Agriculture production			906												—						34						2,649						3,589
Leases			15												—						—						(5)						10
Allowance for credit losses on loans			105,680												(8,140)						1,527						22,455						121,522
Reserve for unfunded commitments			4,315												—						—						1,535						5,850
Total			$	109,995											$	(8,140)					$	1,527					$	23,990					$	127,372

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			Allowance for credit losses – Three months ended September 30, 2023
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending Balance
Commercial real estate:
CRE non-owner occupied			$	33,042											$	—					$	—					$	681					$	33,723
CRE owner occupied			20,208												(3,608)						—						(2,097)						14,503
Multifamily			14,075												—						—						164						14,239
Farmland			3,691												—						—						519						4,210
Total commercial real estate loans			71,016												(3,608)						—						(733)						66,675
Consumer:
SFR 1-4 1st DT liens			13,134												—						262						139						13,535
SFR HELOCs and junior liens			10,608												—						314						(759)						10,163
Other			2,771												(133)						52						230						2,920
Total consumer loans			26,513												(133)						628						(390)						26,618
Commercial and industrial			11,647												(1,616)						91						2,168						12,290
Construction			7,031												—						—						1,066						8,097
Agriculture production			1,105												—						1						1,019						2,125
Leases			17												—						—						(10)						7
Allowance for credit losses on loans			117,329												(5,357)						720						3,120						115,812
Reserve for unfunded commitments			4,865												—						—						1,035						5,900
Total			$	122,194											$	(5,357)					$	720					$	4,155					$	121,712

			Allowance for credit losses – Nine months ended September 30, 2023
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending Balance
Commercial real estate:
CRE non-owner occupied			$	30,962											$	—					$	—					$	2,761					$	33,723
CRE owner occupied			14,014												(3,608)						1						4,096						14,503
Multifamily			13,132												—						—						1,107						14,239
Farmland			3,273												—						—						937						4,210
Total commercial real estate loans			61,381												(3,608)						1						8,901						66,675
Consumer:
SFR 1-4 1st DT liens			11,268												—						262						2,005						13,535
SFR HELOCs and junior liens			11,413												(42)						416						(1,624)						10,163
Other			1,958												(438)						129						1,271						2,920
Total consumer loans			24,639												(480)						807						1,652						26,618
Commercial and industrial			13,597												(3,303)						267						1,729						12,290
Construction			5,142												—						—						2,955						8,097
Agriculture production			906												—						33						1,186						2,125
Leases			15												—						—						(8)						7
Allowance for credit losses on loans			105,680												(7,391)						1,108						16,415						115,812
Reserve for unfunded commitments			4,315												—						—						1,585						5,900
Total			$	109,995											$	(7,391)					$	1,108					$	18,000					$	121,712

As part of the on-going monitoring of the credit quality of the Company’s loan portfolio, management tracks certain credit quality indicators including, but not limited to, trends relating to (i) the level of criticized and classified loans, (ii) net charge-offs, (iii) non-performing loans, and (iv) delinquency within the portfolio. The Company analyzes loans individually to classify the loans as to credit risk and grading. This analysis is performed annually for all outstanding balances greater than $1 million and non-homogeneous loans, such as commercial real estate loans, unless other indicators, such as delinquency, trigger more frequent evaluation. Loans below the $1 million threshold and homogenous in nature are evaluated as needed for proper grading based on delinquency and borrower credit scores.

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The Company utilizes a risk grading system to assign a risk grade to each of its loans. Loans are graded on a scale ranging from Pass to Loss. A description of the general characteristics of the risk grades is as follows:

•Pass – This grade represents loans ranging from acceptable to very little or no credit risk. These loans typically meet most if not all policy standards in regard to: loan amount as a percentage of collateral value, debt service coverage, profitability, leverage, and working capital.

•Special Mention – This grade represents “Other Assets Especially Mentioned” in accordance with regulatory guidelines and includes loans that display some potential weaknesses which, if left unaddressed, may result in deterioration of the repayment prospects for the asset or may inadequately protect the Company’s position in the future. These loans warrant more than normal supervision and attention.

•Substandard – This grade represents “Substandard” loans in accordance with regulatory guidelines. Loans within this rating typically exhibit weaknesses that are well defined to the point that repayment is jeopardized. Loss potential is, however, not necessarily evident. The underlying collateral supporting the credit appears to have sufficient value to protect the Company from loss of principal and accrued interest, or the loan has been written down to the point where this is true. There is a definite need for a well-defined workout/rehabilitation program.

•Doubtful – This grade represents “Doubtful” loans in accordance with regulatory guidelines. An asset classified as Doubtful has all the weaknesses inherent in a loan classified Substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. Pending factors include proposed merger, acquisition, or liquidation procedures, capital injection, perfecting liens on additional collateral, and financing plans.

•Loss – This grade represents “Loss” loans in accordance with regulatory guidelines. A loan classified as Loss is considered uncollectible and of such little value that its continuance as a bankable asset is not warranted. This classification does not mean that the loan has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off the loan, even though some recovery may be affected in the future. The portion of the loan that is graded loss should be charged off no later than the end of the quarter in which the loss is identified.

Based on the most recent analysis performed, the risk category of loans by class of loans is as follows for the period indicated:

			Term Loans Amortized Cost Basis by Origination Year – As of September 30, 2024																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2024						2023						2022						2021						2020						Prior
Commercial real estate:
CRE non-owner occupied risk ratings
Pass			$	85,786					$	179,495					$	417,796					$	271,527					$	153,621					$	937,565					$	158,727					$	—					$	2,204,517
Special Mention			—						—						1,595						—						—						28,361						436						—						30,392
Substandard			—						—						—						—						—						16,796						—						—						16,796
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	85,786					$	179,495					$	419,391					$	271,527					$	153,621					$	982,722					$	159,163					$	—					$	2,251,705
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
CRE owner occupied risk ratings
Pass			$	56,032					$	74,060					$	196,922					$	180,017					$	106,181					$	272,791					$	32,701					$	—					$	918,704
Special Mention			1,646						—						1,651						1,742						208						3,260						—						—						8,507
Substandard			—						—						8,027						5,420						3,527						3,093						—						—						20,067
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	57,678					$	74,060					$	206,600					$	187,179					$	109,916					$	279,144					$	32,701					$	—					$	947,278
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

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			Term Loans Amortized Cost Basis by Origination Year – As of September 30, 2024																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2024						2023						2022						2021						2020						Prior
Commercial real estate:
Multifamily risk ratings
Pass			$	30,509					$	28,045					$	175,965					$	294,983					$	119,176					$	317,604					$	40,955					$	—					$	1,007,237
Special Mention			—						—						—						12,316						—						209						—						—						12,525
Substandard			—						—						502						—						—						202						—						—						704
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	30,509					$	28,045					$	176,467					$	307,299					$	119,176					$	318,015					$	40,955					$	—					$	1,020,466
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
Farmland risk ratings
Pass			$	8,447					$	18,332					$	45,362					$	21,187					$	15,384					$	50,085					$	43,544					$	—					$	202,341
Special Mention			—						2,708						2,911						8,331						425						3,763						1,506						—						19,644
Substandard			—						83						—						21,123						—						12,846						12,038						—						46,090
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	8,447					$	21,123					$	48,273					$	50,641					$	15,809					$	66,694					$	57,088					$	—					$	268,075
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Consumer loans:
SFR 1-4 1st DT liens risk ratings
Pass			$	42,829					$	122,899					$	177,574					$	245,529					$	116,777					$	141,713					$	—					$	3,982					$	851,303
Special Mention			—						67						—						—						—						904						—						168						1,139
Substandard			—						253						353						3,504						2,107						6,620						—						477						13,314
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	42,829					$	123,219					$	177,927					$	249,033					$	118,884					$	149,237					$	—					$	4,627					$	865,756
Year-to-date gross charge-offs			$	—					$	26					$	—					$	—					$	—					$	—					$	—					$	—					$	26

Consumer loans:
SFR HELOCs and junior liens risk ratings
Pass			$	252					$	—					$	—					$	—					$	—					$	77					$	338,631					$	6,183					$	345,143
Special Mention			—						—						—						—						—						—						5,126						235						5,361
Substandard			—						—						—						—						—						—						4,381						456						4,837
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	252					$	—					$	—					$	—					$	—					$	77					$	348,138					$	6,874					$	355,341
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	41					$	—					$	41

Consumer loans:
Other risk ratings
Pass			$	10,102					$	24,078					$	6,501					$	6,817					$	5,555					$	8,002					$	612					$	—					$	61,667
Special Mention			—						92						35						231						110						8						15						—						491
Substandard			—						82						166						114						2						342						2						—						708
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	10,102					$	24,252					$	6,702					$	7,162					$	5,667					$	8,352					$	629					$	—					$	62,866
Year-to-date gross charge-offs			$	285					$	67					$	16					$	74					$	28					$	56					$	12					$	—					$	538

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			Term Loans Amortized Cost Basis by Origination Year – As of September 30, 2024																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2024						2023						2022						2021						2020						Prior
Commercial and industrial loans:
Commercial and industrial risk ratings
Pass			$	60,316					$	61,459					$	66,387					$	46,857					$	5,087					$	10,539					$	213,784					$	161					$	464,590
Special Mention			143						100						1,530						67						282						1						3,082						—						5,205
Substandard			429						—						1,555						847						43						636						11,384						74						14,968
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	60,888					$	61,559					$	69,472					$	47,771					$	5,412					$	11,176					$	228,250					$	235					$	484,763
Year-to-date gross charge-offs			$	186					$	—					$	178					$	93					$	—					$	—					$	817					$	—					$	1,274

Construction loans:
Construction risk ratings
Pass			$	21,043					$	103,279					$	94,936					$	29,098					$	6,676					$	7,585					$	—					$	—					$	262,617
Special Mention			—						—						13,419						—						—						—						—						—						13,419
Substandard			—						—						—						—						—						59						—						—						59
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	21,043					$	103,279					$	108,355					$	29,098					$	6,676					$	7,644					$	—					$	—					$	276,095
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Agriculture production loans:
Agriculture production risk ratings
Pass			$	639					$	1,379					$	2,495					$	1,028					$	214					$	7,530					$	122,624					$	—					$	135,909
Special Mention			—						—						138						400						107						227						7,204						—						8,076
Substandard			—						—						—						96						—						15						27						—						138
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	639					$	1,379					$	2,633					$	1,524					$	321					$	7,772					$	129,855					$	—					$	144,123
Year-to-date gross charge-offs			$	—					$	—					$	173					$	—					$	—					$	—					$	1,277					$	—					$	1,450

Leases:
Lease risk ratings
Pass			$	7,423					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	7,423
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	7,423					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	7,423
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Total loans outstanding:
Risk ratings
Pass			$	323,378					$	613,026					$	1,183,938					$	1,097,043					$	528,671					$	1,753,491					$	951,578					$	10,326					$	6,461,451
Special Mention			1,789						2,967						21,279						23,087						1,132						36,733						17,369						403						104,759
Substandard			429						418						10,603						31,104						5,679						40,609						27,832						1,007						117,681
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	325,596					$	616,411					$	1,215,820					$	1,151,234					$	535,482					$	1,830,833					$	996,779					$	11,736					$	6,683,891
Year-to-date gross charge-offs			$	471					$	93					$	367					$	167					$	28					$	56					$	2,147					$	—					$	3,329

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			Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2023																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2023						2022						2021						2020						2019						Prior
Commercial real estate:
CRE non-owner occupied risk ratings
Pass			$	180,326					$	413,863					$	290,210					$	137,656					$	206,408					$	792,875					$	141,686					$	—					$	2,163,024
Special Mention			—						1,329						—						5,281						17,093						14,174						1,247						—						39,124
Substandard			—						—						767						—						2,139						12,540						212						—						15,658
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	180,326					$	415,192					$	290,977					$	142,937					$	225,640					$	819,589					$	143,145					$	—					$	2,217,806
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
CRE owner occupied risk ratings
Pass			$	71,288					$	196,915					$	190,384					$	118,457					$	59,220					$	268,990					$	23,740					$	—					$	928,994
Special Mention			—						5,773						1,513						2,754						703						2,678						—						—						13,421
Substandard			—						2,972						7,835						—						111						3,107						—						—						14,025
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	71,288					$	205,660					$	199,732					$	121,211					$	60,034					$	274,775					$	23,740					$	—					$	956,440
Period end gross write-offs			$	—					$	—					$	—					$	1,380					$	—					$	2,228					$	29					$	—					$	3,637

Commercial real estate:
Multifamily risk ratings
Pass			$	28,445					$	177,032					$	279,660					$	89,106					$	104,108					$	225,446					$	33,470					$	—					$	937,267
Special Mention			—						—						11,914						—						—						321						—						—						12,235
Substandard			—						—						—						—						—						—						—						—						—
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	28,445					$	177,032					$	291,574					$	89,106					$	104,108					$	225,767					$	33,470					$	—					$	949,502
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
Farmland risk ratings
Pass			$	21,729					$	46,398					$	37,134					$	16,006					$	16,780					$	41,663					$	50,857					$	—					$	230,567
Special Mention			—						2,170						5,802						51						261						734						—						—						9,018
Substandard			101						813						9,053						377						—						13,266						7,859						—						31,469
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	21,830					$	49,381					$	51,989					$	16,434					$	17,041					$	55,663					$	58,716					$	—					$	271,054
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Consumer loans:
SFR 1-4 1st DT liens risk ratings
Pass			$	135,741					$	189,920					$	260,870					$	125,081					$	29,568					$	126,975					$	—					$	4,079					$	872,234
Special Mention			71						—						—						—						—						1,948						—						27						2,046
Substandard			—						140						1,296						1,490						531						5,265						—						436						9,158
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	135,812					$	190,060					$	262,166					$	126,571					$	30,099					$	134,188					$	—					$	4,542					$	883,438
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

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			Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2023																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2023						2022						2021						2020						2019						Prior
Consumer loans:
SFR HELOCs and junior liens risk ratings
Pass			$	297					$	—					$	—					$	—					$	—					$	96					$	343,698					$	6,444					$	350,535
Special Mention			—						—						—						—						—						—						2,274						138						2,412
Substandard			—						—						—						—						—						—						3,212						654						3,866
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	297					$	—					$	—					$	—					$	—					$	96					$	349,184					$	7,236					$	356,813
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	66					$	66

Consumer loans:
Other risk ratings
Pass			$	34,441					$	9,061					$	8,908					$	7,419					$	6,825					$	4,619					$	659					$	—					$	71,932
Special Mention			21						54						203						63						54						37						18						—						450
Substandard			87						183						164						30						116						52						3						—						635
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	34,549					$	9,298					$	9,275					$	7,512					$	6,995					$	4,708					$	680					$	—					$	73,017
Period end gross write-offs			$	376					$	82					$	—					$	36					$	39					$	9					$	16					$	—					$	558

Commercial and industrial loans:
Commercial and industrial risk ratings
Pass			$	70,930					$	83,184					$	51,455					$	9,504					$	10,193					$	7,636					$	340,858					$	318					$	574,078
Special Mention			33						663						237						83						—						178						1,126						—						2,320
Substandard			—						2,014						782						103						4						762						6,318						74						10,057
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	70,963					$	85,861					$	52,474					$	9,690					$	10,197					$	8,576					$	348,302					$	392					$	586,455
Period end gross write-offs			$	153					$	287					$	240					$	2,285					$	—					$	—					$	896					$	18					$	3,879

Construction loans:
Construction risk ratings
Pass			$	56,378					$	136,294					$	85,144					$	47,632					$	4,583					$	6,518					$	—					$	—					$	336,549
Special Mention			—						10,582						—						—						—						—						—						—						10,582
Substandard			—						—						—						—						67						—						—						—						67
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	56,378					$	146,876					$	85,144					$	47,632					$	4,650					$	6,518					$	—					$	—					$	347,198
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Agriculture production loans:
Agriculture production risk ratings
Pass			$	945					$	2,749					$	1,595					$	396					$	620					$	8,491					$	114,935					$	—					$	129,731
Special Mention			—						183						543						176						—						—						11,302						—						12,204
Substandard			—						—						—						—						—						—						2,562						—						2,562
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	945					$	2,932					$	2,138					$	572					$	620					$	8,491					$	128,799					$	—					$	144,497
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

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			Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2023																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2023						2022						2021						2020						2019						Prior
Leases:
Lease risk ratings
Pass			$	8,250					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	8,250
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	8,250					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	8,250
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Total loans outstanding:
Risk ratings
Pass			$	608,770					$	1,255,416					$	1,205,360					$	551,257					$	438,305					$	1,483,309					$	1,049,903					$	10,841					$	6,603,161
Special Mention			125						20,754						20,212						8,408						18,111						20,070						15,967						165						103,812
Substandard			188						6,122						19,897						2,000						2,968						34,992						20,166						1,164						87,497
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	609,083					$	1,282,292					$	1,245,469					$	561,665					$	459,384					$	1,538,371					$	1,086,036					$	12,170					$	6,794,470
Period end gross write-offs			$	529					$	369					$	240					$	3,701					$	39					$	2,237					$	941					$	84					$	8,140

The following table shows the ending balance of current and past due originated loans by loan category as of the date indicated:

			Analysis of Past Due Loans - As of September 30, 2024
(in thousands)			30-59 days						60-89 days						> 90 days						Total Past Due Loans						Current						Total
Commercial real estate:
CRE non-owner occupied			$	1,035					$	—					$	3,042					$	4,077					$	2,247,628					$	2,251,705
CRE owner occupied			—						251						3,011						3,262						944,016						947,278
Multifamily			—						—						502						502						1,019,964						1,020,466
Farmland			1,201						205						8,291						9,697						258,378						268,075
Total commercial real estate loans			2,236						456						14,846						17,538						4,469,986						4,487,524
Consumer:
SFR 1-4 1st DT liens			214						—						3,938						4,152						861,604						865,756
SFR HELOCs and junior liens			2,678						810						859						4,347						350,994						355,341
Other			128						80						89						297						62,569						62,866
Total consumer loans			3,020						890						4,886						8,796						1,275,167						1,283,963
Commercial and industrial			1,158						8,501						1,850						11,509						473,254						484,763
Construction			—						—						—						—						276,095						276,095
Agriculture production			15						—						28						43						144,080						144,123
Leases			—						—						—						—						7,423						7,423
Total			$	6,429					$	9,847					$	21,610					$	37,886					$	6,646,005					$	6,683,891

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			Analysis of Past Due Loans - As of December 31, 2023
(in thousands)			30-59 days						60-89 days						> 90 days						Total Past Due Loans						Current						Total
Commercial real estate:
CRE non-owner occupied			$	3,876					$	—					$	1,382					$	5,258					$	2,212,548					$	2,217,806
CRE owner occupied			34						—						247						281						956,159						956,440
Multifamily			—						—						—						—						949,502						949,502
Farmland			635						3,798						2,052						6,485						264,569						271,054
Total commercial real estate loans			4,545						3,798						3,681						12,024						4,382,778						4,394,802
Consumer:
SFR 1-4 1st DT liens			141						1,449						490						2,080						881,358						883,438
SFR HELOCs and junior liens			16						—						623						639						356,174						356,813
Other			148						40						30						218						72,799						73,017
Total consumer loans			305						1,489						1,143						2,937						1,310,331						1,313,268
Commercial and industrial			244						605						1,654						2,503						583,952						586,455
Construction			—						—						—						—						347,198						347,198
Agriculture production			593						878						33						1,504						142,993						144,497
Leases			447						—						—						447						7,803						8,250
Total			$	6,134					$	6,770					$	6,511					$	19,415					$	6,775,055					$	6,794,470

The following table shows the ending balance of non accrual loans by loan category as of the date indicated:

			Non Accrual Loans
			As of September 30, 2024																		As of December 31, 2023
(in thousands)			Non accrual with no allowance for credit losses						Total non accrual						Past due 90 days or more and still accruing						Non accrual with no allowance for credit losses						Total non accrual						Past due 90 days or more and still accruing
Commercial real estate:
CRE non-owner occupied			$	3,624					$	3,624					$	—					$	2,024					$	2,024					$	—
CRE owner occupied			3,278						3,278						—						3,994						3,994						—
Multifamily			502						502						—						—						—						—
Farmland			12,967						12,967						—						5,996						14,484						—
Total commercial real estate loans			20,371						20,371						—						12,014						20,502						—
Consumer:
SFR 1-4 1st DT liens			5,991						5,997						—						2,808						2,811						—
SFR HELOCs and junior liens			3,995						4,238						—						3,281						3,571						—
Other			108						117						—						39						105						—
Total consumer loans			10,094						10,352						—						6,128						6,487						—
Commercial and industrial			1,529						10,556						86						1,379						2,503						10
Construction			59						59						—						67						67						—
Agriculture production			170						213						—						—						2,322						—
Leases			—						—						—						—						—						—
Sub-total			32,223						41,551						86						19,588						31,881						10
Less: Guaranteed loans			(852)						—						—						(766)						(878)						—
Total, net			$	31,371					$	41,551					$	86					$	18,822					$	31,003					$	10

Interest income on non accrual loans that would have been recognized during the three months ended September 30, 2024 and 2023, if all such loans had been current in accordance with their original terms, totaled $1.6 million and $0.4 million, respectively. Interest income actually recognized on these originated loans during the three months ended September 30, 2024 and 2023 was $0.5 million and $0.1 million, respectively.

Interest income on non accrual loans that would have been recognized during the nine months ended September 30, 2024 and 2023, if all such loans had been current in accordance with their original terms, totaled $3.0 million and $1.7 million, respectively. Interest income actually recognized on these originated loans during the nine months ended September 30, 2024 and 2023 was $0.6 million and $0.8 million, respectively.

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The following tables present the amortized cost basis of collateral dependent loans by class of loans as of the following periods:

			As of September 30, 2024
(in thousands)			Retail						Office						Warehouse						Other						Multifamily						Farmland						SFR-1st Deed						SFR-2nd Deed						Automobile/Truck						A/R and Inventory						Equipment						Total
Commercial real estate:
CRE non-owner occupied			$	3,042					$	364					$	—					$	218					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	3,624
CRE owner occupied			140						23						147						2,968						—						—						—						—						—						—						—						3,278
Multifamily			—						—						—						—						502						—						—						—						—						—						—						502
Farmland			—						—						—						—						—						12,967						—						—						—						—						—						12,967
Total commercial real estate loans			3,182						387						147						3,186						502						12,967						—						—						—						—						—						20,371
Consumer:
SFR 1-4 1st DT liens			—						—						—						—						—						—						5,991						—						—						—						—						5,991
SFR HELOCs and junior liens			—						—						—						—						—						—						1,512						2,483						—						—						—						3,995
Other			—						—						—						—						—						—						—						—						108						—						—						108
Total consumer loans			—						—						—						—						—						—						7,503						2,483						108						—						—						10,094
Commercial and industrial			—						—						—						8,334						—						—						—						—						—						1,244						978						10,556
Construction			—						—						—						—						—						—						59						—						—						—						—						59
Agriculture production			—						—						—						28						—						—						—						—						—						—						185						213
Leases			—						—						—						—						—						—						—						—						—						—						—						—
Total			$	3,182					$	387					$	147					$	11,548					$	502					$	12,967					$	7,562					$	2,483					$	108					$	1,244					$	1,163					$	41,293

			As of December 31, 2023
(in thousands)			Retail						Office						Warehouse						Other						Multifamily						Farmland						SFR -1st Deed						SFR -2nd Deed						Automobile/Truck						A/R and Inventory						Equipment						Total
Commercial real estate:
CRE non-owner occupied			$	124					$	615					$	519					$	766					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	2,024
CRE owner occupied			614						—						297						3,083						—						—						—						—						—						—						—						3,994
Multifamily			—						—						—						—						—						—						—						—						—						—						—						—
Farmland			—						—						—						635						—						13,849						—						—						—						—						—						14,484
Total commercial real estate loans			738						615						816						4,484						—						13,849						—						—						—						—						—						20,502
Consumer:
SFR 1-4 1st DT liens			—						—						—						—						—						—						2,808						—						—						—						—						2,808
SFR HELOCs and junior liens			—						—						—						—						—						—						1,816						1,467						—						—						—						3,283
Other			—						—						—						—						—						—						—						—						95						—						—						95
Total consumer loans			—						—						—						—						—						—						4,624						1,467						95						—						—						6,186
Commercial and industrial			—						—						—						—						—						—						—						—						—						1,712						791						2,503
Construction			—						—						—						—						—						—						67						—						—						—						—						67
Agriculture production			—						—						—						2,288						—						—						—						—						—						—						33						2,321
Leases			—						—						—						—						—						—						—						—						—						—						—						—
Total			$	738					$	615					$	816					$	6,772					$	—					$	13,849					$	4,691					$	1,467					$	95					$	1,712					$	824					$	31,579

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Modifications to borrowers experiencing financial difficulty may include interest rate reductions, principal or interest forgiveness, forbearances, term extensions, and other actions intended to minimize economic loss and to avoid foreclosure or repossession of collateral.

The following tables show the amortized cost basis of loans that were both experiencing financial difficulty and modified during the periods presented. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivables is also presented below.

			For the three months ended
			September 30, 2024																		September 30, 2023
(in thousands)			Combination - Term Extension/Rate Change						Payment Delay/Term Extension						Total % of Loans Outstanding						Payment Delay/Term Extension						Payment Delay/Term Reduction						Total % of Loans Outstanding
Farmland			—						—						—						—						$	1,043					0.37		%
Commercial and industrial			—						326						0.07						45						—						0.01
Total			$	—					$	326					—		%				$	45					$	1,043					0.02		%

			For the nine months ended
			September 30, 2024																		September 30, 2023
(in thousands)			Combination - Term Extension/Rate Change						Payment Delay/Term Extension						Total % of Loans Outstanding						Payment Delay/Term Extension						Payment Delay/Term Reduction						Total % of Loans Outstanding
CRE non-owner occupied			$	211					$	—					0.01		%				$	—					$	—					—		%
Multifamily			—						295						0.29						—						—						—
Farmland			—						—						—						—						1,043						0.37
SFR HELOCs and junior liens			—						41						0.01						—						—						—
Commercial and industrial			—						1,008						0.21						206						—						0.03
Total			$	211					$	1,344					0.02		%				$	206					$	1,043					0.02		%

The following table presents the financial effect of loan modifications made to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2024.

Three months ended September 30, 2024

Modification Type

Loan Type

Financial Effect

Payment delay / term extension

Multifamily

Added 12 months to the life of the loan

Payment delay / term extension

Commercial and industrial

Added a weighted average 60 months to the life of the loans

Nine months ended September 30, 2024

Modification Type

Loan Type

Financial Effect

Combination - Term extension / rate change

CRE non-owner occupied

Added 120 months to the life of the loan; converted from variable to fixed interest rate

Payment delay / term extension

SFR HELOCs and junior liens

Added 60 months to the life of the loan

Payment delay / term extension

Commercial and industrial

Added a weighted average 53 months to the life of the loans

The following table presents the financial effect of loan modifications made to borrowers experiencing financial difficulty during the nine months ended September 30, 2023.

Modification Type

Loan Type

Financial Effect

Payment delay / term reduction

Farmland

Reduced term by 12 months; changed from amortizing to interest only

Payment delay / term extension

Commercial and industrial

Added 12 months to the life of the loan to delay balloon repayment

Payment delay / term extension

Commercial and industrial

Added 12 months to the life of the loan; changed from amortizing to interest only

During the nine months ended September 30, 2024 and September 30, 2023, respectively, there were no loans with payment defaults by borrowers experiencing financial difficulty which had material modifications in rate, term or principal forgiveness during the twelve months prior to default.

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Note 5 - Leases

The Company records a ROUA on the consolidated balance sheets for those leases that convey rights to control use of identified assets for a period of time in exchange for consideration. The Company also records a lease liability on the consolidated balance sheets for the present value of future payment commitments. All of the Company’s leases are comprised of operating leases in which the Company is lessee of real estate property for branches, ATM locations, and general administration and operations. The Company has elected not to include short-term leases (i.e. leases with initial terms of 12 month or less) within the ROUA and lease liability. Known or determinable adjustments to the required minimum future lease payments were included in the calculation of the Company’s ROUA and lease liability. Adjustments to the required minimum future lease payments that are variable and will not be determinable until a future period, such as changes in the consumer price index, are included as variable lease costs. Additionally, expected variable payments for common area maintenance, taxes and insurance were unknown and not determinable at lease commencement and therefore, were not included in the determination of the Company’s ROUA or lease liability.

The value of the ROUA and lease liability is impacted by the amount of the periodic payment required, length of the lease term, and the discount rate used to calculate the present value of the minimum lease payments. The Company’s lease agreements often include one or more options to renew at the Company’s discretion. If at lease inception, the Company considers the exercising of a renewal option to be reasonably certain, the Company will include the extended term in the calculation of the ROU asset and lease liability. Topic 842 requires the use of the rate implicit in the lease whenever this rate is readily determinable. As this rate is rarely determinable, the Company utilizes its incremental borrowing rate at lease inception, on a collateralized basis, over a similar term. The lease liability is reduced based on the discounted present value of remaining payments as of each reporting period. The ROUA value is measured using the amount of lease liability and adjusted for prepaid or accrued lease payments, remaining lease incentives, unamortized direct costs (if any), and impairment (if any).

The following table presents the components of lease expense for the periods ended:

			Three months ended September 30,												Nine months ended September 30,
(in thousands)			2024						2023						2024						2023
Operating lease cost			$	1,416					$	1,451					$	4,315					$	4,553
Short-term lease cost			52						43						159						279
Variable lease cost (income)			(15)						9						8						29
Total lease cost			$	1,453					$	1,503					$	4,482					$	4,861

The following table presents supplemental cash flow information related to leases for the periods ended:

			Three months ended September 30,												Nine months ended September 30,
(in thousands)			2024						2023						2024						2023
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows for operating leases			$	1,511					$	1,576					$	4,658					$	4,840
ROUA obtained in exchange for operating lease liabilities			$	800					$	(544)					$	2,226					$	4,311

The following table presents the weighted average operating lease term and discount rate as of the period ended:

			September 30,
			2024						2023
Weighted-average remaining lease term (years)			7.7						8.1
Weighted-average discount rate			3.50		%				3.31		%

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At September 30, 2024, future expected operating lease payments are as follows:

(in thousands)
Periods ending December 31,
2024			$	1,454
2025			5,509
2026			4,950
2027			4,284
2028			3,275
Thereafter			11,106
			30,578
Discount for present value of expected cash flows			(3,910)
Lease liability at September 30, 2024			$	26,668

Note 6 - Deposits

A summary of the balances of deposits follows:

(in thousands)			September 30, 2024						December 31, 2023
Noninterest-bearing demand			$	2,547,736					$	2,722,689
Interest-bearing demand			1,708,726						1,731,814
Savings			2,690,045						2,682,068
Time certificates, $250,000 or more			465,907						250,180
Other time certificates			624,677						447,287
Total deposits			$	8,037,091					$	7,834,038

Certificate of deposit balances of $100.0 million and $50.0 million from the State of California were included in time certificates, over $250,000, at September 30, 2024 and December 31, 2023, respectively. The Company participates in a deposit program offered by the State of California whereby the State may make deposits at the Company’s request subject to collateral and credit worthiness constraints. The negotiated rates on these State deposits are generally more favorable than other wholesale funding sources available to the Company.

Overdrawn deposit balances of $2.0 million and $1.8 million were classified as consumer loans at September 30, 2024 and December 31, 2023, respectively.

Note 7 - Other Borrowings

A summary of the balances of other borrowings follows:

			September 30, 2024						December 31, 2023
(in thousands)
Term borrowing at FHLB, fixed rate of 5.46%, payable on October 7, 2024			75,000						—
Term borrowing at FHLB, fixed rate of 5.23%, payable on April 8, 2025			75,000						—
Term borrowing at FHLB, fixed rate of 4.75%, payable on April 8, 2024			—						200,000
Overnight borrowing at FHLB, fixed rate of 5.70%, payable on January 2, 2024			—						400,000
Overnight borrowing at FHLB, fixed rate, as of September 30, 2024 of 5.21%, payable on October 1, 2024			100,000						—
Other collateralized borrowings, fixed rate, as of September 30, 2024 and December 31, 2023 of 0.05%, payable on October 1, 2024 and January 2, 2024, respectively			16,767						32,582
Total other borrowings			$	266,767					$	632,582

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Note 8 - Junior Subordinated Debt

The following table summarizes the terms and recorded balances of each debenture as of the date indicated:

(in thousands)																		Coupon Rate (Variable) 3 mo. SOFR +						As of September 30, 2024												As of December 31, 2023
Subordinated Debt Series						Maturity Date						Face Value												Current Coupon Rate						Recorded Book Value						Recorded Book Value
TriCo Cap Trust I						10/7/2033						$	20,619					3.05		%				8.61		%				$	20,619					$	20,619
TriCo Cap Trust II						7/23/2034						20,619						2.55		%				8.09		%				20,619						20,619
North Valley Trust II						4/24/2033						6,186						3.25		%				8.76		%				5,684						5,602
North Valley Trust III						7/23/2034						5,155						2.80		%				8.34		%				4,544						4,472
North Valley Trust IV						3/15/2036						10,310						1.33		%				6.54		%				7,797						7,615
VRB Subordinated						3/29/2029						16,000						3.52		%				9.11		%				16,852						17,000
VRB Subordinated - 5%						8/27/2035						20,000						Fixed						5.00		%				25,049						25,172
												$	98,889																	$	101,164					$	101,099

The VRB - 5% Subordinated Debt issuance is fixed at 5.0% through August 27, 2025, then will have a floating rate of 90-day average SOFR plus 4.9% until maturity.

Note 9 - Commitments and Contingencies

The following table presents a summary of the Bank’s commitments and contingent liabilities:

(in thousands)			September 30, 2024						December 31, 2023
Financial instruments whose amounts represent risk:
Commitments to extend credit:
Commercial loans			$	889,617					$	788,742
Consumer loans			627,109						652,110
Real estate mortgage loans			432,022						453,647
Real estate construction loans			266,126						331,178
Standby letters of credit			51,691						38,449
Deposit account overdraft privilege			127,285						121,539

In April 2024, Visa Inc. announced the commencement of an exchange offer for Visa Class B-1 common stock and the Company subsequently tendered all of its Visa Class B-1 common stock in exchange for a combination of Visa Class B-2 common stock and Visa Class C common stock. Completion of the exchange resulted in a gain of $2.9 million relating to the Visa Class C common stock. Visa Class B-2 common stock continues to be carried at zero. The Bank owns 6,698 shares of Class B-2 common stock of Visa Inc. which may be convertible into Class A common stock at a conversion ratio of 1.5875 per Class B-2 share. As of September 30, 2024, the value of the Class A shares was $274.95 per share. Utilizing the conversion ratio, the value of unredeemed Class A equivalent shares owned by the Bank was $2.9 million as of September 30, 2024, and has not been reflected in the accompanying consolidated financial statements. The shares of Visa Class B-2 common stock are restricted and may not be transferred. Visa Member Banks are required to fund an escrow account to cover settlements, resolution of pending litigation and related claims. If the funds in the escrow account are insufficient to settle all the covered litigation, Visa may sell additional Class A shares, use the proceeds to settle litigation, and further reduce the conversion ratio. If funds remain in the escrow account after all litigation is settled, the Class B-2 conversion ratio may be increased to reflect that surplus. Until all U.S. covered litigation obligations have been satisfied or the Applicable Conversion Rate for the Class B-2 common stock reaches zero, there is no dollar cap on the amount of payments that a participating holder and its guarantors may be obligated to make under its Makewhole Agreement.

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Note 10 - Shareholders’ Equity

Dividends Paid

The Bank paid to the Company cash dividends in the aggregate amounts of $10.5 million and $11.5 million during the three months ended September 30, 2024 and 2023, respectively and $54.4 million and $41.4 million during the equivalent nine month periods then ended, respectively. The Bank is regulated by the FDIC and the DFPI. Absent approval from the Commissioner of the DFPI, California banking laws generally limit the Bank’s ability to pay dividends to the lesser of (1) retained earnings or (2) net income for the last three fiscal years, less cash distributions paid during such period.

Stock Repurchase Plan

On February 25, 2021, the Board of Directors authorized the repurchase of up to 2.0 million shares of the Company's common stock (the 2021 Repurchase Plan), which approximated 6.7% of the shares outstanding as of the approval date. The actual timing of any share repurchases can be determined by the Company's management and therefore the total value of the shares to be purchased under the 2021 Repurchase Plan is subject to change. The 2021 Repurchase Plan has no expiration date (in accordance with applicable laws and regulations). During the three and nine months ended September 30, 2024, the Company repurchased zero and 344,324 shares with market values of $0.0 million and $12.5 million, respectively. During the three and nine months ended September 30, 2023, the Company repurchased zero and 150,000 shares with market values of zero and $7.0 million, respectively.

Stock Repurchased Under Equity Compensation Plans

The Company's shareholder-approved equity compensation plans permit employees to tender recently vested shares in lieu of cash for the payment of exercise price, if applicable, and the tax withholding on such shares. During the three and nine months ended September 30, 2023, exercising option holders tendered zero and 2,506 shares, respectively, of the Company’s common stock in connection with option exercises. There were no option exercises during the nine months ended September 30, 2024. Employees also tendered 1,551 and 976 shares in connection with the tax withholding requirements of other share-based awards during the three months ended September 30, 2024 and 2023, respectively, and 32,061 and 52,437 during the nine months ended September 30, 2024 and 2023, respectively. In total, shares of the Company's common stock tendered had market values of $0.1 million and $0.03 million during the quarters ended September 30, 2024 and 2023, respectively and $1.2 million and $2.1 million, respectively during the year to date periods then ended. The tendered shares were retired. The market value of tendered shares is the last market trade price at closing on the day an option is exercised or the other share-based award vests. Stock repurchased under equity incentive plans are not included in the total of stock repurchased under the 2021 Stock Repurchase Plans.

Note 11 - Stock Options and Other Equity-Based Incentive Instruments

On April 16, 2024, the Board of Directors adopted the 2024 Equity Incentive Plan (2024 Plan) which was approved by shareholders on May 23, 2024. The 2024 Plan allows for up to 1,200,000 shares to be issued in connection with equity-based incentives. In conjunction with shareholder approval of the 2024 Plan, the 2019 Equity Incentive Plan (2019 Plan), which allowed for up to 1,500,000 shares to be issued in connection with equity-based incentives, is no longer available for grant issuances. The Company's 2009 Equity Incentive Plan expired on March 26, 2019. While no new awards can be granted under the 2019 Plan or 2009 Plan, existing grants continue to be governed by the terms, conditions and procedures set forth in any applicable award agreement.

Stock option activity during the nine months ended September 30, 2024, is summarized in the following table:

			Number of Shares												Weighted Average Exercise Price
Outstanding at December 31, 2023			7,500												$	23.21
Options granted			—												—
Options exercised			(7,500)												23.21
Options forfeited			—												—
Outstanding at September 30, 2024			—												$	—

The Company did not modify any option grants during the nine months ended September 30, 2024 or 2023.

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Activity related to restricted stock unit awards during the nine months ended September 30, 2024 is summarized in the following table:

			Service Condition Vesting RSUs						Market Plus Service Condition Vesting RSUs
Outstanding at December 31, 2023			144,487						123,102
RSUs granted			86,036						56,516
RSUs added through dividend and performance credits			4,685						1,536
RSUs released			(69,043)						(32,248)
RSUs forfeited			(4,001)						(2,458)
Outstanding at September 30, 2024			162,164						146,448

The 162,164 of service condition vesting RSUs outstanding as of September 30, 2024 include a feature whereby each RSU outstanding is credited with a dividend amount equal to any common stock cash dividend declared and paid, and the credited amount is divided by the closing price of the Company’s stock on the dividend payable date to arrive at an additional amount of RSUs outstanding under the original grant. The dividend credits follow the same vesting requirements as the RSU awards and are not considered participating securities. The 162,164 of service condition vesting RSUs outstanding as of September 30, 2024 are expected to vest, and be released, on a weighted-average basis, over the next 1.7 years. The Company expects to recognize $4.4 million of pre-tax compensation costs related to these service condition vesting RSUs between September 30, 2024 and their vesting dates. The Company did not modify any service condition vesting RSUs during the nine months ended September 30, 2024 or 2023.

The 146,448 of market plus service condition vesting RSUs outstanding as of September 30, 2024 are expected to vest, and be released, on a weighted-average basis, over the next 1.8 years. The Company expects to recognize $2.3 million of pre-tax compensation costs related to these RSUs between September 30, 2024 and their vesting dates. As of September 30, 2024, the number of market plus service condition vesting RSUs outstanding that will actually vest, and be released, may be reduced to zero or increased to 219,672 depending on the total return of the Company’s common stock versus the total return of an index of bank stocks from the grant date to the vesting date. The Company did not modify any market plus service condition vesting RSUs during the nine months ended September 30, 2024 or 2023.

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Note 12 - Non-interest Income and Expense

The following table summarizes the Company’s non-interest income for the periods indicated:

			Three months ended September 30,												Nine months ended September 30,
(in thousands)			2024						2023						2024						2023
ATM and interchange fees			$	6,472					$	6,728					$	19,013					$	19,928
Service charges on deposit accounts			4,979						4,851						14,489						12,863
Other service fees			1,224						1,142						3,876						3,300
Mortgage banking service fees			439						445						1,305						1,364
Change in value of mortgage servicing rights			(332)						(91)						(468)						(215)
Total service charges and fees			12,782						13,075						38,215						37,240
Increase in cash value of life insurance			786						684						2,420						2,274
Asset management and commission income			1,502						1,141						3,989						3,233
Gain on sale of loans			549						382						1,198						883
Lease brokerage income			62						160						377						332
Sale of customer checks			303						396						916						1,091
(Loss) gain on sale or exchange of investment securities			2						—						(43)						(164)
(Loss) gain on marketable equity securities			356						(81)						207						(81)
Other			153						227						853						552
Total other non-interest income			3,713						2,909						9,917						8,120
Total non-interest income			$	16,495					$	15,984					$	48,132					$	45,360

The components of non-interest expense were as follows:

			Three months ended September 30,												Nine months ended September 30,
(in thousands)			2024						2023						2024						2023
Base salaries, net of deferred loan origination costs			$	24,407					$	23,616					$	72,279					$	70,675
Incentive compensation			4,361						4,391						12,329						11,663
Benefits and other compensation costs			6,782						6,456						20,647						19,402
Total salaries and benefits expense			35,550						34,463						105,255						101,740
Occupancy			4,191						3,948						12,205						12,099
Data processing and software			5,258						5,246						15,459						13,916
Equipment			1,374						1,503						4,060						4,322
Intangible amortization			1,030						1,590						3,090						4,902
Advertising			1,152						881						2,733						2,656
ATM and POS network charges			1,712						1,606						5,360						5,217
Professional fees			1,893						1,752						5,047						5,326
Telecommunications			507						567						1,576						1,971
Regulatory assessments and insurance			1,256						1,194						3,651						3,979
Postage			335						306						983						916
Operational losses			603						474						1,199						1,999
Courier service			542						492						1,581						1,314
(Gain) loss on sale or acquisition of foreclosed assets			26						(152)						(12)						(152)
Loss on disposal of fixed assets			6						4						12						22
Other miscellaneous expense			4,052						4,004						12,131						12,688
Total other non-interest expense			23,937						23,415						69,075						71,175
Total non-interest expense			$	59,487					$	57,878					$	174,330					$	172,915

Note 13 - Earnings Per Share

Basic earnings per share represent income available to common shareholders divided by the weighted-average number of common shares outstanding during the period. Diluted earnings per share reflect additional common shares that would have been outstanding if dilutive

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potential common shares had been issued, as well as any adjustments to income that would result from assumed issuance. Potential common shares that may be issued by the Company relate to outstanding stock options and restricted stock units (RSUs), and are determined using the treasury stock method. Earnings per share have been computed based on the following:

			Three months ended September 30,
(in thousands)			2024						2023
Net income			$	29,051					$	30,590
Average number of common shares outstanding			32,993						33,263
Effect of dilutive stock options and restricted stock			144						56
Average number of common shares outstanding used to calculate diluted earnings per share			33,137						33,319
Options excluded from diluted earnings per share because of their antidilutive effect			—						—

			Nine months ended September 30,
(in thousands)			2024						2023
Net income			$	85,834					$	91,315
Average number of common shares outstanding			33,119						33,259
Effect of dilutive stock options and restricted stock			132						97
Average number of common shares outstanding used to calculate diluted earnings per share			33,251						33,356
Options excluded from diluted earnings per share because of their antidilutive effect			—						—

Note 14 – Comprehensive Income (Loss)

Accounting principles generally require that recognized revenue, expenses, gains and losses be included in net income. Although certain changes in assets and liabilities, such as unrealized gains and losses on available-for-sale securities, are reported as a separate component of the equity section of the balance sheet identified as accumulated other comprehensive income (AOCI), such items, along with net income, are components of other comprehensive income (loss) (OCI).

The components of other comprehensive income (loss) and related tax effects are as follows:

			Three months ended September 30,												Nine months ended September 30,
(in thousands)			2024						2023						2024						2023
Unrealized holding gains (losses) on available for sale securities before reclassifications			$	63,232					$	(62,525)					$	48,438					$	(44,901)
Amounts reclassified out of AOCI:
Realized gain (loss) on debt securities			(2)						—						2,945						164
Unrealized holding gains (losses) on available for sale securities after reclassifications			63,230						(62,525)						51,383						(44,737)
Tax effect			(18,692)						18,485						(15,191)						13,226
Unrealized holding gains (losses) on available for sale securities, net of tax			44,538						(44,040)						36,192						(31,511)
Change in unfunded status of the supplemental retirement plans before reclassifications			114						114						344						342
Amounts reclassified out of AOCI:
Amortization of prior service cost			—						—						—						—
Amortization of actuarial losses			(114)						(114)						(344)						(342)
Total amounts reclassified out of accumulated other comprehensive loss			(114)						(114)						(344)						(342)
Change in unfunded status of the supplemental retirement plans after reclassifications			—						—						—						—
Tax effect			—						—						—						—
Change in unfunded status of the supplemental retirement plans, net of tax			—						—						—						—
Change in joint beneficiary agreement liability before reclassifications			—						—						—						—
Tax effect			—						—						—						—
Change in joint beneficiary agreement liability before reclassifications, net of tax			—						—						—						—
Total other comprehensive income (loss)			$	44,538					$	(44,040)					$	36,192					$	(31,511)

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The components of accumulated other comprehensive loss, included in shareholders’ equity, are as follows:

(in thousands)			September 30, 2024						December 31, 2023
Net unrealized loss on available for sale securities			$	(180,438)					$	(231,821)
Tax effect			53,343						68,534
Unrealized holding loss on available for sale securities, net of tax			(127,095)						(163,287)
Unfunded status of the supplemental retirement plans			13,527						13,527
Tax effect			(3,999)						(3,999)
Unfunded status of the supplemental retirement plans, net of tax			9,528						9,528
Joint beneficiary agreement liability			590						590
Tax effect			—						—
Joint beneficiary agreement liability, net of tax			590						590
Accumulated other comprehensive loss			$	(116,977)					$	(153,169)

Note 15 - Fair Value Measurement

The Company utilizes fair value measurements to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. In estimating fair value, the Company utilizes valuation techniques that are consistent with the market approach, income approach, and/or the cost approach. Inputs to valuation techniques include the assumptions that market participants would use in pricing an asset or liability including assumptions about the risk inherent in a particular valuation technique, the effect of a restriction on the sale or use of an asset and the risk of nonperformance. Marketable equity securities, trading securities, debt securities available-for-sale, loans held for sale, and mortgage servicing rights are recorded at fair value on a recurring basis. Additionally, from time to time, the Company may be required to record at fair value other assets on a nonrecurring basis, such loans held for investment and certain other assets. These nonrecurring fair value adjustments typically involve application impairment write-downs of individual assets.

The Company groups assets and liabilities at fair value in three levels, based on the markets in which the assets and liabilities are traded and the observable nature of the assumptions used to determine fair value. These levels are:

Level 1 - Valuation is based upon quoted prices for identical instruments traded in active markets.

Level 2 - Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market.

Level 3 - Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques.

Marketable equity securities, trading securities and debt securities available for sale - Marketable equity, trading and debt securities available for sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices, if available. If quoted prices are not available, fair values are measured using independent pricing models or other model-based valuation techniques such as the present value of future cash flows, adjusted for the security’s credit rating, prepayment assumptions and other factors such as credit loss assumptions. Level 1 securities include those traded on an active exchange, such as the New York Stock Exchange, U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets and money market funds. Level 2 securities include mortgage-backed securities issued by government sponsored entities, municipal bonds and corporate debt securities. The Company had no securities classified as Level 3 during any of the periods covered in these consolidated financial statements.

Loans held for sale - Loans held for sale are carried at the lower of cost or fair value. The fair value of loans held for sale is based on what secondary markets are currently offering for loans with similar characteristics. As such, we classify those loans subjected to recurring fair value adjustments as Level 2.

Individually evaluated loans - Loans are not recorded at fair value on a recurring basis. However, from time to time, certain loans have individual risk characteristics not consistent with a pool of loans and is individually evaluated for credit reserves. Loans for which it is probable that payment of interest and principal will not be made in accordance with the original contractual terms of the loan agreement are typically individually evaluated. The fair value of these loans are estimated using one of several methods, including collateral value, fair value of similar debt, enterprise value, liquidation value and discounted cash flows. Those loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. Loans where an allowance is established based on the fair value of collateral require classification in the fair value hierarchy. When the fair value of the collateral is based on an observable market price or a current appraised value which uses substantially observable data, the Company records the loan as nonrecurring Level 2. When an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value, or the appraised value contains a significant unobservable assumption, such as deviations from

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comparable sales, and there is no observable market price, the Company records the loan as nonrecurring Level 3.

Foreclosed assets - Foreclosed assets include assets acquired through, or in lieu of, loan foreclosure. Foreclosed assets are held for sale and are initially recorded at fair value at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, management periodically performs valuations and the assets are carried at the lower of carrying amount or fair value less cost to sell. When the fair value of foreclosed assets is based on an observable market price or a current appraised value which uses substantially observable data, the Company records the loan as nonrecurring Level 2. When an appraised value is not available or management determines the fair value of the collateral is further impaired below the appraised value, or the appraised value contains a significant unobservable assumption, such as deviations from comparable sales, and there is no observable market price, the Company records the foreclosed asset as nonrecurring Level 3. Revenue and expenses from operations and changes in the valuation allowance are included in other non-interest expense.

Mortgage servicing rights - Mortgage servicing rights are carried at fair value. A valuation model, which utilizes a discounted cash flow analysis using a discount rate and prepayment speed assumptions is used in the computation of the fair value measurement. While the prepayment speed assumption is currently quoted for comparable instruments, the discount rate assumption currently requires a significant degree of management judgment and is therefore considered an unobservable input. As such, the Company classifies mortgage servicing rights subjected to recurring fair value adjustments as Level 3.

The table below presents the recorded amount of assets and liabilities measured at fair value on a recurring basis (in thousands):

Fair value at September 30, 2024			Total						Level 1						Level 2						Level 3
Marketable equity securities			$	2,690					$	2,690					$	—					$	—
Debt securities available for sale:
Obligations of U.S. government corporations and agencies			1,101,997						—						1,101,997						—
Obligations of states and political subdivisions			229,342						—						229,342						—
Corporate bonds			5,864						—						5,864						—
Asset backed securities			363,540						—						363,540						—
Non-agency mortgage backed securities			278,527						—						278,527						—
Loans held for sale			1,995						—						1,995						—
Mortgage servicing rights			6,520						—						—						6,520
Total assets measured at fair value			$	1,990,475					$	2,690					$	1,981,265					$	6,520

Fair value at December 31, 2023			Total						Level 1						Level 2						Level 3
Marketable equity securities			$	2,634					$	2,634					$	—					$	—
Debt securities available for sale:
Obligations of U.S. government corporations and agencies			1,221,737						—						1,221,737						—
Obligations of states and political subdivisions			236,375						—						236,375						—
Corporate bonds			5,602						—						5,602						—
Asset backed securities			355,281						—						355,281						—
Non-agency mortgage backed securities			333,509						—						333,509						—
Loans held for sale			458						—						458						—
Mortgage servicing rights			6,606						—						—						6,606
Total assets measured at fair value			$	2,162,202					$	2,634					$	2,152,962					$	6,606

Transfers between levels of the fair value hierarchy are recognized on the actual date of the event or circumstances that caused the transfer, which generally corresponds with the Company’s quarterly valuation process. There were no transfers between any levels during the nine months ended September 30, 2024 or September 30, 2023, respectively.

The following table provides a reconciliation of assets and liabilities measured at fair value using significant unobservable inputs (Level 3) on a recurring basis during the time periods indicated. Had there been any transfer into or out of Level 3 during the time periods indicated, the amount included in the “Transfers into (out of) Level 3” column would represent the beginning balance of an item in the period (interim quarter) during which it was transferred (in thousands):

Three months ended September 30,			Beginning Balance						Transfers into (out of) Level 3						Change Included in Earnings						Issuances						Ending Balance
2024: Mortgage servicing rights			$	6,666					—						$	(332)					$	186					$	6,520
2023: Mortgage servicing rights			$	6,741					—						$	(91)					$	142					$	6,792

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Nine months ended September 30,			Beginning Balance						Transfers into (out of) Level 3						Change Included in Earnings						Issuances						Ending Balance
2024: Mortgage servicing rights			$	6,606					—						$	(468)					$	382					$	6,520
2023: Mortgage servicing rights			$	6,712					—						$	(215)					$	295					$	6,792

The key unobservable inputs used in determining the fair value of mortgage servicing rights are mortgage prepayment speeds and the discount rate used to discount cash projected cash flows. Generally, any significant increases in the mortgage prepayment speed and discount rate utilized in the fair value measurement of the mortgage servicing rights will result in a negative fair value adjustments (and decrease in the fair value measurement). Conversely, a decrease in the mortgage prepayment speed and discount rate will result in a positive fair value adjustment (and increase in the fair value measurement).

The following table presents quantitative information about recurring Level 3 fair value measurements at September 30, 2024 and December 31, 2023:

As of September 30, 2024:

Fair Value (in thousands)

Valuation Technique

Unobservable Inputs

Range, Weighted Average

Mortgage Servicing Rights

$

6,520

Discounted cash flow

Constant prepayment rate

7% - 11%; 7.2%

Discount rate

10% - 14%; 12%

As of December 31, 2023:

Mortgage Servicing Rights

$

6,606

Discounted cash flow

Constant prepayment rate

6% - 12.8%; 7.0%

Discount rate

10% - 14%; 12%

The tables below present the recorded investment in assets and liabilities measured at fair value on a nonrecurring basis, as of the dates indicated, that had a write-down or an additional allowance provided during the periods indicated (in thousands):

September 30, 2024			Total						Level 1						Level 2						Level 3
Fair value:
Collateral dependent loans			$	8,384					—						—						$	8,384

December 31, 2023			Total						Level 1						Level 2						Level 3
Fair value:
Collateral dependent loans			$	4,175					—						—						$	4,175
Foreclosed assets			50						—						—						50
Total assets measured at fair value			$	4,225					—						—						$	4,225

The tables below present the gains (losses) resulting from non-recurring fair value adjustments of assets and liabilities for the periods indicated (in thousands):

			Three months ended September 30,												Nine months ended September 30,
			2024						2023						2024						2023
Collateral dependent loans			$	(4,051)					$	4,749					$	(4,358)					$	(2,281)
Foreclosed assets			—						(41)						—						(233)
Total losses from non-recurring measurements			$	(4,051)					$	4,708					$	(4,358)					$	(2,514)

The individually evaluated loan amounts above represent collateral dependent loans that have been adjusted to fair value. When the Company identifies a collateral dependent loan with unique risk characteristics, the Company evaluates the need for an allowance using the current fair value of the collateral, less selling costs. Depending on the characteristics of a loan, the fair value of collateral is generally estimated by obtaining external appraisals. If the Company determines that the value of the loan is less than the recorded investment in the loan, the Company recognizes this impairment and adjust the carrying value of the loan to fair value through the allowance for credit losses. The loss represents charge-offs or impairments on collateral dependent loans for fair value adjustments based on the fair value of collateral. The carrying value of loans fully charged-off is zero.

The foreclosed assets amount above represents impaired real estate that has been adjusted to fair value. Foreclosed assets represent real estate which the Company has taken control of in partial or full satisfaction of loans. At the time of foreclosure, other real estate owned is recorded at fair value less costs to sell, which becomes the property’s new basis. Any write-downs based on the asset’s fair value at the date of acquisition are charged to the allowance for credit losses. After foreclosure, management periodically performs valuations such that the

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real estate is carried at the lower of its new cost basis or fair value, net of estimated costs to sell. Fair value adjustments on other real estate owned are recognized within net loss on real estate owned. The loss represents impairments on real estate owned for fair value adjustments based on the fair value of the real estate.

The Company’s property appraisals are primarily based on the sales comparison approach and income approach methodologies, which consider recent sales of comparable properties, including their income generating characteristics, and then make adjustments to reflect the general assumptions that a market participant would make when analyzing the property for purchase. These adjustments may increase or decrease an appraised value and can vary significantly depending on the location, physical characteristics and income producing potential of each property. Additionally, the quality and volume of market information available at the time of the appraisal can vary from period to period and cause significant changes to the nature and magnitude of comparable sale adjustments. Given these variations, comparable sale adjustments are generally not a reliable indicator for how fair value will increase or decrease from period to period. Under certain circumstances, management discounts are applied based on specific characteristics of an individual property.

The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a nonrecurring basis at September 30, 2024:

September 30, 2024

Fair Value (in thousands)

Valuation Technique

Unobservable Inputs

Range, Weighted Average

Collateral dependent loans

$

8,384

Sales comparison approach Income approach

Adjustment for differences between comparable sales; Capitalization rate

Not meaningful N/A

The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a nonrecurring basis at December 31, 2023:

December 31, 2023

Fair Value (in thousands)

Valuation Technique

Unobservable Inputs

Range, Weighted Average

Collateral dependent loans

$

4,175

Sales comparison approach Income approach

Adjustment for differences between comparable sales; Capitalization rate

Not meaningful N/A

Foreclosed assets (Residential real estate)

$

50

Sales comparison approach

Adjustment for differences between comparable sales

Not meaningful N/A

Fair values for financial instruments are management’s estimates of the values at which the instruments could be exchanged in a transaction between willing parties. The Company uses the exit price notion when measuring the fair value of financial instruments. These estimates are subjective and may vary significantly from amounts that would be realized in actual transactions. In addition, other significant assets are not considered financial assets including, any mortgage banking operations, deferred tax assets, and premises and equipment. Further, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on the fair value estimates and have not been considered in any of these estimates.

			September 30, 2024												December 31, 2023
(in thousands)			Carrying Amount						Fair Value						Carrying Amount						Fair Value
Financial assets:
Level 1 inputs:
Cash and due from banks			$	110,141					$	110,141					$	81,626					$	81,626
Cash at Federal Reserve and other banks			209,973						209,973						17,075						17,075
Level 2 inputs:
Securities held to maturity			117,259						113,708						133,494						125,126
Restricted equity securities			17,250						n/a						17,250						n/a
Level 3 inputs:
Loans, net			6,560,131						6,259,677						6,672,948						6,278,577
Financial liabilities:
Level 2 inputs:
Deposits			8,037,091						8,035,484						7,834,038						7,828,554
Other borrowings			266,767						266,767						632,582						632,582
Level 3 inputs:
Junior subordinated debt			101,164						105,949						101,099						95,407

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Note 16 - Regulatory Matters

The Company is subject to various regulatory capital requirements administered by federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of the Company’s assets, liabilities and certain off-balance-sheet items as calculated under regulatory accounting practices. The Company’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.

Quantitative measures established by regulation to ensure capital adequacy require the Company to maintain minimum amounts and ratios (set forth in the table below) of total, Tier 1, and common equity Tier 1 capital to risk-weighted assets, and of Tier 1 capital to average assets. The following tables present actual and required capital ratios as of September 30, 2024 and December 31, 2023 for the Company and the Bank under applicable Basel III Capital Rules. The minimum capital amounts presented include the minimum required capital levels as of September 30, 2024 and December 31, 2023 based on the then phased-in provisions of the Basel III Capital Rules. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules.

			Actual												Required for Capital Adequacy Purposes												Required to be Considered Well Capitalized
As of September 30, 2024:			Amount						Ratio						Amount						Ratio						Amount						Ratio
			(dollars in thousands)
Total Capital (to Risk Weighted Assets):
Consolidated			$	1,240,075					15.56		%				$	836,744					10.50		%				N/A						N/A
Tri Counties Bank			$	1,232,404					15.47		%				$	836,543					10.50		%				$	796,708					10.00		%
Tier 1 Capital (to Risk Weighted Assets):
Consolidated			$	1,099,766					13.80		%				$	677,364					8.50		%				N/A						N/A
Tri Counties Bank			$	1,132,442					14.21		%				$	677,202					8.50		%				$	637,366					8.00		%
Common equity Tier 1 Capital (to Risk Weighted Assets):
Consolidated			$	1,042,283					13.08		%				$	557,829					7.00		%				N/A						N/A
Tri Counties Bank			$	1,132,442					14.21		%				$	557,696					7.00		%				$	517,860					6.50		%
Tier 1 Capital (to Average Assets):
Consolidated			$	1,099,766					11.57		%				$	380,245					4.00		%				N/A						N/A
Tri Counties Bank			$	1,132,442					11.91		%				$	380,234					4.00		%				$	475,293					5.00		%

			Actual																		Required for Capital Adequacy Purposes												Required to be Considered Well Capitalized
As of December 31, 2023:			Amount						Ratio																		Amount						Ratio						Amount						Ratio
			(dollars in thousands)
Total Capital (to Risk Weighted Assets):
Consolidated			$	1,196,106					14.73		%																$	852,850					10.50		%				N/A						N/A
Tri Counties Bank			$	1,190,542					14.66		%																$	852,648					10.50		%				$	812,046					10.00		%
Tier 1 Capital (to Risk Weighted Assets):
Consolidated			$	1,052,063					12.95		%																$	690,402					8.50		%				N/A						N/A
Tri Counties Bank			$	1,088,717					13.41		%																$	690,239					8.50		%				$	649,637					8.00		%
Common equity Tier 1 Capital (to Risk Weighted Assets):
Consolidated			$	994,907					12.25		%																$	568,566					7.00		%				N/A						N/A
Tri Counties Bank			$	1,088,717					13.41		%																$	568,432					7.00		%				$	527,830					6.50		%
Tier 1 Capital (to Average Assets):
Consolidated			$	1,052,063					10.75		%																$	391,620					4.00		%				N/A						N/A
Tri Counties Bank			$	1,088,717					11.12		%																$	391,574					4.00		%				$	489,468					5.00		%

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As of September 30, 2024 and December 31, 2023, capital levels at the Company and the Bank exceed all capital adequacy requirements under the Basel III Capital Rules. Also, at September 30, 2024 and December 31, 2023, the Bank’s capital levels exceeded the minimum amounts necessary to be considered well capitalized under the current regulatory framework for prompt corrective action.

The Basel III Capital Rules require for all banking organizations to maintain a capital conservation buffer above the minimum risk-based capital requirements in order to avoid certain limitations on capital distributions, stock repurchases and discretionary bonus payments to executive officers. The capital conservation buffer is exclusively composed of common equity tier 1 capital, and it applies to each of the risk-based capital ratios but not the leverage ratio. At September 30, 2024, the Company and the Bank are in compliance with the capital conservation buffer requirement.

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Item 2.    Management’s Discussion and Analysis of Financial Condition and Results of Operations

FORWARD-LOOKING STATEMENTS

Cautionary Statements Regarding Forward-Looking Information

The statements contained herein that are not historical facts are forward-looking statements based on management’s current expectations and beliefs concerning future developments and their potential effects on the Company. Such statements involve inherent risks and uncertainties, many of which are difficult to predict and are generally beyond our control. We caution readers that a number of important factors could cause actual results to differ materially from those expressed in, or implied or projected by, such forward-looking statements. These risks and uncertainties include, but are not limited to, the following: the conditions of the United States economy in general and the strength of the local economies in which we conduct operations; the impact of any future federal government shutdown and uncertainty regarding the federal government’s debt limit or changes in trade, monetary and fiscal policies and laws, including interest rate policies of the Board of Governors of the Federal Reserve System; the impacts of inflation, interest rate, market and monetary fluctuations on the Company's business condition and financial operating results; the impact of changes in financial services industry policies, laws and regulations; regulatory restrictions affecting our ability to successfully market and price our products to consumers; the risks related to the development, implementation, use and management of emerging technologies, including artificial intelligence and machine learning; extreme weather, natural disasters and other catastrophic events that may or may not be caused by climate change and their effects on the Company's customers and the economic and business environments in which the Company operates; the impact of a slowing U.S. economy, decreases in housing and commercial real estate prices, and potentially increased unemployment on the performance of our loan portfolio, the market value of our investment securities and possible other-than-temporary impairment of securities held by us due to changes in credit quality or rates; the availability of, and cost of, sources of funding and the demand for our products; adverse developments with respect to U.S. or global economic conditions and other uncertainties, including the impact of supply chain disruptions, commodities prices, inflationary pressures and labor shortages on the economic recovery and our business; the impacts of international hostilities, wars, terrorism or geopolitical events; adverse developments in the financial services industry generally such as the recent bank failures and any related impact on depositor behavior or investor sentiment; risks related to the sufficiency of liquidity; the possibility that our recorded goodwill could become impaired, which may have an adverse impact on our earnings and capital; the costs or effects of mergers, acquisitions or dispositions we may make, as well as whether we are able to obtain any required governmental approvals in connection with any such activities, or identify and complete favorable transactions in the future, and/or realize the anticipated financial and business benefits; the regulatory and financial impacts associated with exceeding $10 billion in total assets; the negative impact on our reputation and profitability in the event customers experience economic harm or in the event that regulatory violations are identified; the ability to execute our business plan in new markets; the future operating or financial performance of the Company, including our outlook for future growth and changes in the level and direction of our nonperforming assets and charge-offs; the appropriateness of the allowance for credit losses, including the assumptions made under our current expected credit losses model; any deterioration in values of California real estate, both residential and commercial; the effectiveness of the Company's asset management activities managing the mix of earning assets and in improving, resolving or liquidating lower-quality assets; the effect of changes in the financial performance and/or condition of our borrowers; changes in accounting standards and practices; changes in consumer spending, borrowing and savings habits; our ability to attract and maintain deposits and other sources of liquidity; the effects of changes in the level or cost of checking or savings account deposits on our funding costs and net interest margin; increasing noninterest expense and its impact on our financial performance; competition and innovation with respect to financial products and services by banks, financial institutions and non-traditional competitors including retail businesses and technology companies; the challenges of attracting, integrating and retaining key employees; the vulnerability of the Company's operational or security systems or infrastructure, the systems of third-party vendors or other service providers with whom the Company contracts, and the Company's customers to unauthorized access, computer viruses, phishing schemes, spam attacks, human error, natural disasters, power loss and data/security breaches and the cost to defend against and respond to such incidents; the impact of the 2023 cyber security ransomware incident, including the pending litigation, on our operations and reputation; increased data security risks due to work from home arrangements and email vulnerability; failure to safeguard personal information, and any resulting litigation; the effect of a fall in stock market prices on our brokerage and wealth management businesses; the transition from the LIBOR to new interest rate benchmarks; the emergence or continuation of widespread health emergencies or pandemics; the Company’s potential judgments, orders, settlements, penalties, fines and reputational damage resulting from pending or future litigation and regulatory investigations, proceedings and enforcement actions; and our ability to manage the risks involved in the foregoing. There can be no assurance that future developments affecting us will be the same as those anticipated by management. Additional factors that could cause results to differ materially from those described above can be found in our Annual Report on Form 10-K for the year ended December 31, 2023, which has been filed with the Securities and Exchange Commission (the “SEC”) and all subsequent filings with the SEC under Sections 13(a), 13(c), 14, and 15(d) of the Securities Act of 1934, as amended. Such filings are also available in the “Investor Relations” section of our website, https://www.tcbk.com/investor-relations and in other documents we file with the SEC. Annualized, pro forma, projections and estimates are not forecasts and may not reflect actual results. We undertake no obligation (and expressly disclaim any such obligation) to update or alter our forward-looking statements, whether as a result of new information, future events, or otherwise, except as required by law.

General

As TriCo Bancshares (referred to in this report as “we”, “our” or the “Company”) has not commenced any business operations independent of Tri Counties Bank (the “Bank”), the following discussion pertains primarily to the Bank. Average balances, including such balances used in calculating certain financial ratios, are generally comprised of average daily balances for the Company. Within Management’s Discussion and Analysis of Financial Condition and Results of Operations, interest income, net interest income, and net interest yield are generally presented on a FTE basis. The Company believes the use of these non-generally accepted accounting principles (non-GAAP) measures provides additional clarity in assessing its results, and the presentation of these measures on a FTE basis is a common practice within the banking industry. Interest income and net interest income are shown on a non-FTE basis in the Part I - Financial Information section of this Form 10-Q, and a reconciliation of the FTE and non-FTE presentations is provided below in the discussion of net interest income.

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Critical Accounting Policies and Estimates

The Company’s discussion and analysis of its financial condition and results of operations are based upon the Company’s consolidated financial statements, which have been prepared in accordance with accounting principles generally accepted in the United States of America. The preparation of these financial statements requires the Company to make estimates and judgments that affect the reported amounts of assets, liabilities, revenues and expenses, and related disclosure of contingent assets and liabilities. On an on-going basis, the Company evaluates its estimates, including those that materially affect the financial statements and are related to the adequacy of the allowance for loan losses, investments, mortgage servicing rights, fair value measurements, retirement plans and intangible assets. The Company bases its estimates on historical experience and on various other assumptions that are believed to be reasonable under the circumstances, the results of which form the basis for making judgments about the carrying values of assets and liabilities that are not readily apparent from other sources. Actual results may differ from these estimates under different assumptions or conditions. A detailed discussion related to the Company’s accounting policies including those related to estimates on the allowance for credit losses related to loans and investment securities, and impairment of intangible assets, can be found in Note 1 of the consolidated financial statements included in the Company’s annual report on Form 10-K for the year ended December 31, 2023.

Geographical Descriptions

For the purpose of describing the geographical location of the Company’s operations, the Company has defined northern California as that area of California north of, and including, Stockton to the east and San Jose to the west; central California as that area of the state south of Stockton and San Jose, to and including, Bakersfield to the east and San Luis Obispo to the west; and southern California as that area of the state south of Bakersfield and San Luis Obispo.

Financial Highlights

Performance highlights and other developments for the Company as of or for the three and nine months ended September 30, 2024, included the following:

•Net income was $29.1 million or $0.88 per diluted share as compared to $29.0 million or $0.87 per diluted share in the trailing quarter

•Deposit balances decreased $13.1 million or 0.7% (annualized) from the trailing quarter and have increased $27.4 million or 0.3% (annualized) from the same quarter of the prior year

•Average yield on earning assets was 5.26%, an increase of 2 basis points over the 5.24% in the trailing quarter

•Net interest margin (FTE) was 3.71% in the recent quarter, an increase of 3 basis points over 3.68% in the trailing quarter

•Non-interest bearing deposits averaged 31.7% of total deposits during the quarter

•The average cost of total deposits was 1.52%, an increase of 7 basis points as compared to 1.45% in the trailing quarter, and an increase of 66 basis points from 0.86% in the same quarter of the prior year; the Company's total cost of deposits have increased 148 basis points since FOMC rate actions began in March 2022, which translates to a cycle-to-date deposit beta of 31.2%

•For the quarter ended September 30, 2024, the Company’s return on average assets was 1.20%, while the return on average equity was 9.52%; for the trailing quarter ended June 30, 2024, the Company’s return on average assets was 1.19%, while the return on average equity was 9.99%

•Diluted earnings per share were $0.88 for the third quarter of 2024, compared to $0.87 for the trailing quarter and $0.92 during the third quarter of 2023

•The loan to deposit ratio decreased to 83.2% as of September 30, 2024, as compared to 83.8% for the trailing quarter end, as a result of loan contraction during the quarter

•The efficiency ratio was 60.02% for the quarter ended September 30, 2024, as compared to 59.61% for the trailing quarter

•The provision for credit losses was approximately $0.2 million during the quarter ended September 30, 2024, as compared to $0.4 million during the trailing quarter

•The allowance for credit losses (ACL) to total loans was 1.85% as of September 30, 2024, compared to 1.83% as of the trailing quarter end, and 1.73% as of September 30, 2023. Non-performing assets to total assets were 0.45% on September 30, 2024, as compared to 0.36% as of June 30, 2024, and 0.33% at September 30, 2023. At September 30, 2024, the ACL represented 297% of non-performing loans

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TRICO BANCSHARES

Financial Summary

(In thousands, except per share amounts; unaudited)

			Three months ended September 30,												Nine months ended September 30,
			2024						2023						2024						2023
Net interest income			$	82,611					$	88,123					$	247,344					$	270,060
Provision for credit losses			(220)						(4,155)						(4,930)						(18,000)
Non-interest income			16,495						15,984						48,132						45,360
Non-interest expense			(59,487)						(57,878)						(174,330)						(172,915)
Provision for income taxes			(10,348)						(11,484)						(30,382)						(33,190)
Net income			$	29,051					$	30,590					$	85,834					$	91,315
Per Share Data:
Basic earnings per share			$	0.88					$	0.92					$	2.59					$	2.75
Diluted earnings per share			$	0.88					$	0.92					$	2.58					$	2.74
Dividends paid			$	0.33					$	0.30					$	0.99					$	0.90
Book value at period end															$	37.55					$	32.18
Average common shares outstanding			32,993						33,263						33,119						33,259
Average diluted common shares outstanding			33,137						33,319						33,251						33,356
Shares outstanding at period end															33,001						33,263
At period end:
Loans															$	6,683,891					$	6,708,666
Total investment securities															$	2,116,469					$	2,333,162
Total assets															$	9,823,890					$	9,897,006
Total deposits															$	8,037,091					$	8,009,643
Other borrowings															$	266,767					$	537,975
Shareholders’ equity															$	1,239,015					$	1,070,401
Financial Ratios:
During the period:
Return on average assets (annualized)			1.20		%				1.23		%				1.17		%				1.24		%
Return on average equity (annualized)			9.52		%				10.91		%				9.67		%				11.06		%
Net interest margin(1) (annualized)			3.71		%				3.88		%				3.69		%				4.01		%
Efficiency ratio			60.02		%				55.59		%				59.00		%				54.82		%
Average equity to average assets			12.56		%				11.27		%				12.14		%				11.19		%
At end of period:
Equity to assets															12.61		%				10.82		%
Total capital to risk-adjusted assets															15.56		%				14.51		%

(1) Fully Taxable Equivalent (FTE)

Results of Operations

The following discussion and analysis is designed to provide a better understanding of the significant changes and trends related to the Company and the Bank’s financial condition, operating results, asset and liability management, liquidity and capital resources and should be read in conjunction with the Condensed Consolidated Financial Statements of the Company and the Notes thereto located at Item 1 of this report.

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Net Interest Income

The Company’s primary source of revenue is net interest income, or the difference between interest income on interest-earning assets and interest expense on interest-bearing liabilities. Following is a summary of the components of FTE net income for the periods indicated.

			Three months ended
(in thousands)			September 30, 2024						June 30, 2024						Change						% Change
Interest income			$	117,347					$	117,032					$	315					0.3		%
Interest expense			(34,736)						(35,035)						299						(0.9)		%
Fully tax-equivalent adjustment (FTE) (1)			269						275						(6)						(2.2)		%
Net interest income (FTE)			$	82,880					$	82,272					$	608					0.7		%
Net interest margin (FTE)			3.71		%				3.68		%
Acquired loans discount accretion, net:
Amount (included in interest income)			$	1,018					$	850					$	168					19.8		%
Net interest margin less effect of acquired loan discount accretion(1)			3.66		%				3.64		%				0.02		%

			Three months ended September 30,
(in thousands)			2024						2023						Change						% Change
Interest income			$	117,347					$	112,380					$	4,967					4.4		%
Interest expense			(34,736)						(24,257)						(10,479)						43.2		%
Fully tax-equivalent adjustment (FTE) (1)			269						405						(136)						(33.6)		%
Net interest income (FTE)			$	82,880					$	88,528					$	(5,648)					(6.4)		%
Net interest margin (FTE)			3.71		%				3.88		%
Acquired loans discount accretion, net:
Amount (included in interest income)			$	1,018					$	1,324					$	(306)					(23.1)		%
Net interest margin less effect of acquired loan discount accretion(1)			3.66		%				3.82		%				(0.16)		%

			Nine months ended September 30,
(in thousands)			2024						2023						Change						% Change
Interest income			$	349,796					$	322,445					$	27,351					8.5		%
Interest expense			(102,452)						(52,385)						(50,067)						95.6		%
Fully tax-equivalent adjustment (FTE) (1)			819						1,176						(357)						(30.4)		%
Net interest income (FTE)			$	248,163					$	271,236					$	(23,073)					(8.5)		%
Net interest margin (FTE)			3.69		%				4.01		%
Acquired loans discount accretion, net:
Amount (included in interest income)			$	3,200					$	4,192					$	(992)					(23.7)		%
Net interest margin less effect of acquired loan discount accretion(1)			3.64		%				3.95		%				(0.31)		%

(1)Certain information included herein is presented on a FTE basis and/or to present additional financial details which may be desired by users of this financial information. The Company believes the use of this non-generally accepted accounting principles (non-GAAP) measure provides additional clarity in assessing its results, and the presentation of these measures is a common practice within the banking industry.

Loans may be acquired at a premium or discount to par value, in which case, the premium is amortized (subtracted from) or the discount is accreted (added to) interest income over the remaining life of the loan. The dollar impact of loan discount accretion and loan premium amortization decrease as the purchased loans mature or pay off early. Upon the early pay off of a loan, any remaining unaccreted discount or unamortized premium is immediately taken into interest income; and as loan payoffs may vary significantly from quarter to quarter, so may the impact of discount accretion and premium amortization on interest income. Despite the elevated rate environment, the prepayment rate of portfolio loans, inclusive of those acquired at a premium or discount, remains generally consistent. During the quarters ended September 30, 2024, June 30, 2024 and September 30, 2023, the purchased loan discount accretion was $1.0 million, $0.9 million and $1.3 million, respectively.

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Summary of Average Balances, Yields/Rates and Interest Differential

The following table presents, for the three month periods indicated, information regarding the Company’s consolidated average assets, liabilities and shareholders’ equity, the amounts of interest income from average interest-earning assets and resulting yields, and the amount of interest expense paid on interest-bearing liabilities. Average loan balances include nonperforming loans. Interest income includes proceeds from loans on nonaccrual loans only to the extent cash payments have been received and applied to interest income. Yields on securities and certain loans have been adjusted upward to reflect the effect of income thereon exempt from federal income taxation at the current statutory tax rate (dollars in thousands).

			Three months ended September 30,
			2024																		2023
			Average Balance						Interest Income/ Expense						Rates Earned /Paid						Average Balance						Interest Income/ Expense						Rates Earned /Paid
Assets:
Loans			$	6,690,326					$	98,085					5.83		%				$	6,597,400					$	91,707					5.51		%
Investment securities - taxable			1,972,859						17,188						3.47		%				2,246,569						18,990						3.35		%
Investment securities - nontaxable(1)			135,500						1,166						3.42		%				182,766						1,755						3.81		%
Total investments			2,108,359						18,354						3.46		%				2,429,335						20,745						3.39		%
Cash at Federal Reserve and other banks			93,538						1,177						5.01		%				26,654						333						4.96		%
Total interest-earning assets			8,892,223						117,616						5.26		%				9,053,389						112,785						4.94		%
Other assets			774,756																		820,851
Total assets			$	9,666,979																	$	9,874,240
Liabilities and shareholders’ equity:
Interest-bearing demand deposits			$	1,736,442					$	6,132					1.40		%				$	1,751,625					$	3,916					0.89		%
Savings deposits			2,686,303						13,202						1.96		%				2,790,197						9,526						1.35		%
Time deposits			1,055,612						11,354						4.28		%				535,715						3,937						2.92		%
Total interest-bearing deposits			5,478,357						30,688						2.23		%				5,077,537						17,379						1.36		%
Other borrowings			175,268						2,144						4.87		%				449,274						5,106						4.51		%
Junior subordinated debt			101,150						1,904						7.49		%				101,070						1,772						6.96		%
Total interest-bearing liabilities			5,754,775						34,736						2.40		%				5,627,881						24,257						1.71		%
Noninterest-bearing deposits			2,542,579																		2,965,564
Other liabilities			155,115																		168,391
Shareholders’ equity			1,214,510																		1,112,404
Total liabilities and shareholders’ equity			$	9,666,979																	$	9,874,240
Net interest spread(2)															2.86		%																3.23		%
Net interest income and interest margin(3)									$	82,880					3.71		%										$	88,528					3.88		%

(1)Fully taxable equivalent (FTE). All yields and rates are calculated using specific day counts for the period and year as applicable.

(2)Net interest spread represents the average yield earned on interest-earning assets minus the average rate paid on interest-bearing liabilities.

(3)Net interest margin is computed by calculating the difference between interest income and interest expense, divided by the average balance of interest-earning assets, then annualized based on the number of days in the given period.

Net interest income (FTE) during the three months ended September 30, 2024, decreased $5.6 million or 6% to $82.9 million compared to $88.5 million during the three months ended September 30, 2023. In addition, net interest margin declined 17 basis points to 3.71%, compared to the same quarter last year. The decrease in net interest income is primarily attributed to an additional $13.3 million in deposit interest expense due to rate increases associated with competitive pricing pressures, and to a lesser extent, changes in product mix. The cost of interest-bearing deposits increased by 87 basis points between the quarter ended September 30, 2024 and the same quarter of the prior year. In addition, the average balance of noninterest-bearing deposits decreased by $423.0 million from the three month average for the period ended September 30, 2023 as customers continued to migrate towards higher yielding term deposit accounts. As of September 30, 2024, the ratio of average total noninterest-bearing deposits to total average deposits was 31.7%, as compared to 32.0% and 36.9% at June 30, 2024 and September 30, 2023, respectively. The increase in cost of interest bearing liabilities was partially offset by increased interest and fee income on loans totaling $6.4 million compared to the same quarter of the prior year. Average loan yields increased 32 basis points from 5.51% during the three months ended September 30, 2023, to 5.83% during the three months ended September 30, 2024. The accretion of discounts from acquired loans added 6 and 8 basis points to loan yields during the quarters ended September 30, 2024 and 2023, respectively. Additionally, the average balance of loans during the quarter increased $92.9 million compared to the same period in the prior year.

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			Nine months ended September 30,
			2024																		2023
			Average Balance						Interest Income/ Expense						Rates Earned /Paid						Average Balance						Interest Income/ Expense						Rates Earned /Paid
Assets:
Loans			$	6,755,916					$	292,799					5.79		%				$	6,493,585					$	260,868					5.37		%
Investment securities - taxable			2,034,336						52,021						3.42		%				2,328,883						56,681						3.25		%
Investment securities - nontaxable(1)			137,515						3,548						3.45		%				184,524						5,096						3.69		%
Total investments			2,171,851						55,569						3.42		%				2,513,407						61,777						3.29		%
Cash at Federal Reserve and other banks			58,792						2,247						5.11		%				27,606						976						4.73		%
Total interest-earning assets			8,986,559						350,615						5.21		%				9,034,598						323,621						4.79		%
Other assets			781,406																		832,501
Total assets			$	9,767,965																	$	9,867,099
Liabilities and shareholders’ equity:
Interest-bearing demand deposits			$	1,738,876					$	17,294					1.33		%				$	1,694,438					$	6,476					0.51		%
Savings deposits			2,670,555						36,362						1.82		%				2,818,817						20,616						0.98		%
Time deposits			961,577						29,582						4.11		%				413,359						6,889						2.23		%
Total interest-bearing deposits			5,371,008						83,238						2.07		%				4,926,614						33,981						0.92		%
Other borrowings			361,175						13,640						5.04		%				402,016						13,318						4.43		%
Junior subordinated debt			101,128						5,574						7.36		%				101,057						5,086						6.73		%
Total interest-bearing liabilities			5,833,311						102,452						2.35		%				5,429,687						52,385						1.29		%
Noninterest-bearing deposits			2,584,705																		3,153,807
Other liabilities			163,704																		179,483
Shareholders’ equity			1,186,245																		1,104,122
Total liabilities and shareholders’ equity			$	9,767,965																	$	9,867,099
Net interest spread(2)															2.86		%																3.50		%
Net interest income and interest margin(3)									$	248,163					3.69		%										$	271,236					4.01		%

(1)Fully taxable equivalent (FTE). All yields and rates are calculated using specific day counts for the period and year as applicable.

(2)Net interest spread represents the average yield earned on interest-earning assets minus the average rate paid on interest-bearing liabilities.

(3)Net interest margin is computed by calculating the difference between interest income and interest expense, divided by the average balance of interest-earning assets, then annualized based on the number of days in the given period.

Net interest income (FTE) during the nine months ended September 30, 2024, decreased $23.1 million, or 9%, to $248.2 million compared to $271.2 million during the nine months ended September 30, 2023. In addition, net interest margin declined 32 basis points to 3.69%, compared to the same period in the prior year. The decrease in net interest income is primarily attributed to an increased cost of interest bearing liabilities, primarily on deposits. The cost of interest bearing deposits increased by 115 basis points during the nine months ended September 30, 2024, compared to the same period in the prior year. In addition, the average balance of noninterest-bearing deposits decreased by $569.1 million from the nine month average for the period ended September 30, 2023 amidst a continued migration of customer funds to interest-bearing products, as discussed above. The increases in the cost of interest bearing liabilities were partially offset by increased interest and fee income on loans. As compared to the same period in the prior year, the average balance of loans increased $262.3 million and average loan yields increased 42 basis points from 5.37% during the nine months ended September 30, 2023, to 5.79% during the nine months ended September 30, 2024. The accretion of discounts from acquired loans added 6 and 9 basis points to loan yields during the nine months ended September 30, 2024 and September 30, 2023, respectively.

Summary of Changes in Interest Income and Expense due to Changes in Average Asset and Liability Balances and Yields Earned and Rates Paid

The following table sets forth, for the period identified, a summary of the changes in interest income and interest expense from changes in average asset and liability balances (volume) and changes in average interest rates for the periods indicated. Changes not solely attributable to volume or rates have been allocated in proportion to the respective volume and rate components.

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			Three months ended September 30, 2024 compared with three months ended September 30, 2023
(in thousands)			Volume						Rate						Total
Increase (decrease) in interest income:
Loans			$	1,281					$	5,097					$	6,378
Investment securities			(2,742)						351						(2,391)
Cash at Federal Reserve and other banks			829						15						844
Total interest-earning assets			(632)						5,463						4,831
Increase (decrease) in interest expense:
Interest-bearing demand deposits			(34)						2,250						2,216
Savings deposits			(351)						4,027						3,676
Time deposits			3,795						3,622						7,417
Other borrowings			(3,089)						127						(2,962)
Junior subordinated debt			1						131						132
Total interest-bearing liabilities			322						10,157						10,479
Decrease in net interest income			$	(954)					$	(4,694)					$	(5,648)

The following commentary regarding net interest income, interest income and interest expense may be best understood while referencing the Summary of Average Balances, Yields/Rates and Interest Differential and the Summary of Changes in Interest Income and Expense due to Changes in Average Asset and Liability Balances and Yields Earned and Rates Paid shown above.

Net interest income (FTE) during the three months ended September 30, 2024 decreased $5.6 million to $82.9 million compared to $88.5 million during the three months ended September 30, 2023. The overall decrease in net interest income (FTE) was due to increasing interest rates elevating interest expense on interest-bearing liabilities, most significantly deposits. Elevated interest rates also improved interest income on earning assets by $4.8 million, partially offsetting the increases in interest expense.

			Nine months ended September 30, 2024 compared with nine months ended September 30, 2023
(in thousands)			Volume						Rate						Total
Increase (decrease) in interest income:
Loans			$	10,565					$	21,366					$	31,931
Investment securities			(8,481)						2,273						(6,208)
Cash at Federal Reserve and other banks			1,106						165						1,271
Total interest-earning assets			3,190						23,804						26,994
Increase (decrease) in interest expense:
Interest-bearing demand deposits			170						10,648						10,818
Savings deposits			(1,090)						16,836						15,746
Time deposits			9,169						13,524						22,693
Other borrowings			(1,357)						1,679						322
Junior subordinated debt			4						484						488
Total interest-bearing liabilities			6,896						43,171						50,067
Decrease in net interest income			$	(3,706)					$	(19,367)					$	(23,073)

Net interest income (FTE) during the nine months ended September 30, 2024 decreased $23.1 million to $248.2 million compared to $271.2 million during the nine months ended September 30, 2023. The overall decrease in net interest income (FTE) was due to increasing interest rates elevating interest expense on interest-bearing liabilities, most significantly deposits and other borrowings, resulting in a net increase of $49.3 million and $0.3 million, respectively. Elevated interest rates also improved interest income on earning assets by $27.0 million, partially offsetting the increases in interest expense.

Asset Quality and Credit Loss Provisioning

During the three months ended September 30, 2024, the Company recorded a provision for credit losses of $0.2 million, as compared to $0.4 million during the trailing quarter, and $4.2 million during the third quarter of 2023.

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			Three months ended												Nine months ended
(dollars in thousands)			September 30, 2024												September 30, 2023						September 30, 2024						September 30, 2023
Addition to allowance for credit losses			$	320											$	3,120					$	4,670					$	16,415
Addition to (reversal of) reserve for unfunded loan commitments			(100)												1,035						260						1,585
Total provision for credit losses			$	220											$	4,155					$	4,930					$	18,000

The provision for credit losses on loans of $0.3 million during the recent quarter was the result of net charge-offs approximating $0.1 million and decreases in reserves for qualitative factors due to improved concentration levels and overall lower loan balances, offset by a $3.7 million increase in specific reserves for individually evaluated credits within the commercial and industrial portfolio.

			Three months ended September 30,												Nine months ended September 30,
(dollars in thousands)			2024						2023						2024						2023
Balance, beginning of period			$	123,517					$	117,329					$	121,522					$	105,680
Provision for credit losses			320						3,120						4,670						16,415
Loans charged-off			(444)						(5,357)						(3,329)						(7,391)
Recoveries of previously charged-off loans			367						720						897						1,108
Balance, end of period			$	123,760					$	115,812					$	123,760					$	115,812

The allowance for credit losses (ACL) was $123.8 million or 1.85% of total loans as of September 30, 2024. The Company utilizes a forecast period of approximately eight quarters and obtains the forecast data from publicly available sources as of the balance sheet date. This forecast data continues to evolve and includes improving shifts in the magnitude of changes for both the unemployment and GDP factors leading up to the balance sheet date. Core inflation is slowing but prices remain elevated relative to wage increases, as reflected by higher living costs such as housing, energy and general services. Actions by the Federal Reserve to cut rates during 2024 and beyond may help improve this outlook overall, but the uncertainty associated with the extent and timing of these potential reductions has inhibited a material change to forecasted reserve levels. Furthermore, geopolitical risks remain elevated and appear to be getting worse, which may lead to further negative effects on domestic economic outcomes. As a result, management continues to believe that certain credit weaknesses are present in the overall economy and that it is appropriate to maintain a reserve level that incorporates such risk factors.

Loans past due 30 days or more increased by $7.5 million during the quarter ended September 30, 2024, to $37.9 million, as compared to $30.4 million at June 30, 2024. The majority of loans identified as past due are well-secured by collateral, and approximately $16.3 million is less than 90 days delinquent. Non-performing loans were $41.6 million at September 30, 2024, an increase of $8.9 million from $32.8 million as of June 30, 2024, and an increase of $11.8 million from $29.8 million as of September 30, 2023. Management continues to proactively work with these borrowers to identify actionable and appropriate resolution strategies which are customary for the industries. Of the $41.6 million loans designated as non-performing as of September 30, 2024, approximately $10.0 million are current or less than 30 days past due with respect to payments required under their existing loan agreements.

(dollars in thousands)			September 30, 2024						% of Loans Outstanding						June 30, 2024						% of Loans Outstanding						September 30, 2023						% of Loans Outstanding
Risk Rating:
Pass			$	6,461,451					96.7		%				$	6,536,223					96.9		%				$	6,532,424					97.4		%
Special Mention			104,759						1.6		%				101,324						1.5		%				94,614						1.4		%
Substandard			117,681						1.8		%				104,979						1.6		%				81,628						1.2		%
Total			$	6,683,891											$	6,742,526											$	6,708,666
Classified loans to total loans			1.76		%										1.56		%										1.22		%
Loans past due 30+ days to total loans			0.57		%										0.45		%										0.12		%

The ratio of classified loans to total loans of 1.76% as of September 30, 2024, increased 20 basis points from June 30, 2024, and increased 55 basis points from the comparative quarter ended 2023. The change in classified loans outstanding as compared to the trailing quarter totaled $16.1 million. Loans with the risk grade classification substandard increased by $12.7 million over the trailing quarter and relate primarily to the commercial and industrial portfolio. As a percentage of total loans outstanding, classified assets remain consistent with volumes experienced prior to the recent quantitative easing cycle spurred by the COVID pandemic and reflect management's historically conservative approach to credit risk monitoring. The Company's combined criticized loan balances totaled $222.4 million as of September 30, 2024, an increase of $46.2 million from September 30, 2023.

Outstanding balances on construction loans, which have historically been associated with elevated levels of risk, experienced balance reductions of $7.3 million during the current quarter and $44.9 million since September 30, 2023. These reductions were primarily associated with balances that were converted to term loans upon the completion of construction and achievement of stabilized occupancy, and were partially offset by new draws or originations.

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Management continues to proactively assess the repayment capacity of borrowers that will be subject to rate resets in the near term. To date this analysis as well as management's observations of loans that have experienced a rate reset, have resulted in an insignificant need to provide concessions to borrowers.

As of September 30, 2024, other real estate owned consisted of 10 properties with a carrying value of approximately $2.8 million, compared to 10 properties with a carrying value of approximately $2.5 million as of June 30, 2024. Non-performing assets of $44.4 million at September 30, 2024, represented 0.45% of total assets, a change from the $35.3 million or 0.36% and $32.7 million or 0.33% as of June 30, 2024 and September 30, 2023, respectively.

Non-interest Income

The following table summarizes the Company’s non-interest income for the periods indicated (in thousands):

			Three months ended September 30,
(in thousands)			2024						2023						$ Change						% Change
ATM and interchange fees			$	6,472					$	6,728					$	(256)					(3.8)		%
Service charges on deposit accounts			4,979						4,851						128						2.6		%
Other service fees			1,224						1,142						82						7.2		%
Mortgage banking service fees			439						445						(6)						(1.3)		%
Change in value of mortgage servicing rights			(332)						(91)						(241)						264.8		%
Total service charges and fees			12,782						13,075						(293)						(2.2)		%
Increase in cash value of life insurance			786						684						102						14.9		%
Asset management and commission income			1,502						1,141						361						31.6		%
Gain on sale of loans			549						382						167						43.7		%
Lease brokerage income			62						160						(98)						(61.3)		%
Sale of customer checks			303						396						(93)						(23.5)		%
(Loss) gain on sale or exchange of investment securities			2						—						2						n/m
(Loss) gain on marketable equity securities			356						(81)						437						(539.5)		%
Other			153						227						(74)						(32.6)		%
Total other non-interest income			3,713						2,909						804						27.6		%
Total non-interest income			$	16,495					$	15,984					$	511					3.2		%

Non-interest income increased $0.5 million or 3.2% to $16.5 million during the three months ended September 30, 2024, compared to $16.0 million during the comparative quarter ended September 30, 2023. Elevated activity and volumes of assets under management drove an increase in asset management and commission income, in addition to the benefit mentioned above related to Visa stock. These increases were partially offset by a decline in interchange fees earned related to decreased customer activity in the third quarter of 2024 as compared to the equivalent quarter in 2023.

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			Nine months ended September 30,
(in thousands)			2024						2023						$ Change						% Change
ATM and interchange fees			$	19,013					$	19,928					$	(915)					(4.6)		%
Service charges on deposit accounts			14,489						12,863						1,626						12.6		%
Other service fees			3,876						3,300						576						17.5		%
Mortgage banking service fees			1,305						1,364						(59)						(4.3)		%
Change in value of mortgage servicing rights			(468)						(215)						(253)						117.7		%
Total service charges and fees			38,215						37,240						975						2.6		%
Increase in cash value of life insurance			2,420						2,274						146						6.4		%
Asset management and commission income			3,989						3,233						756						23.4		%
Gain on sale of loans			1,198						883						315						35.7		%
Lease brokerage income			377						332						45						13.6		%
Sale of customer checks			916						1,091						(175)						(16.0)		%
(Loss) gain on sale or exchange of investment securities			(43)						(164)						121						(73.8)		%
(Loss) gain on marketable equity securities			207						(81)						288						(355.6)		%
Other			853						552						301						54.5		%
Total other non-interest income			9,917						8,120						1,797						22.1		%
Total non-interest income			$	48,132					$	45,360					$	2,772					6.1		%

Non-interest income increased $2.8 million or 6.1% to $48.1 million during the nine months ended September 30, 2024, compared to $45.4 million during the comparative nine months ended September 30, 2023. As noted above, interchange fees as driven by customer activities was elevated in the 2023 period and resulted in a decrease of $0.9 million as compared to the nine months ended September 30, 2024. Meanwhile, service charges on deposit accounts increased by $1.6 million or 12.6% as compared to the equivalent period in 2023 following $0.9 million in waived or reversed fees as a courtesy to customers in the 2023 year. As noted above, elevated activity within asset management and the gain on Visa stock further contributed to the overall improvement.

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Non-interest Expense

The following table summarizes the Company’s non-interest expense for the periods indicated:

			Three months ended September 30,
(in thousands)			2024						2023						$ Change						% Change
Base salaries, net of deferred loan origination costs			$	24,407					$	23,616					$	791					3.3		%
Incentive compensation			4,361						4,391						(30)						(0.7)		%
Benefits and other compensation costs			6,782						6,456						326						5.0		%
Total salaries and benefits expense			35,550						34,463						1,087						3.2		%
Occupancy			4,191						3,948						243						6.2		%
Data processing and software			5,258						5,246						12						0.2		%
Equipment			1,374						1,503						(129)						(8.6)		%
Intangible amortization			1,030						1,590						(560)						(35.2)		%
Advertising			1,152						881						271						30.8		%
ATM and POS network charges			1,712						1,606						106						6.6		%
Professional fees			1,893						1,752						141						8.0		%
Telecommunications			507						567						(60)						(10.6)		%
Regulatory assessments and insurance			1,256						1,194						62						5.2		%
Postage			335						306						29						9.5		%
Operational losses			603						474						129						27.2		%
Courier service			542						492						50						10.2		%
(Gain) loss on sale or acquisition of foreclosed assets			26						(152)						178						(117.1)		%
(Gain) loss on disposal of fixed assets			6						4						2						50.0		%
Other miscellaneous expense			4,052						4,004						48						1.2		%
Total other non-interest expense			23,937						23,415						522						2.2		%
Total non-interest expense			$	59,487					$	57,878					$	1,609					2.8		%
Average full time equivalent staff			1,161						1,215						(54)						(4.4)		%

Total non-interest expense increased $1.6 million or 2.8% to $59.5 million during the three months ended September 30, 2024, as compared to $57.9 million for the quarter ended September 30, 2023. Total salaries and benefits expense increased by $1.1 million or 3.2%, reflecting the increase of $0.8 million in salaries and $0.3 million in benefits and other costs.

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			Nine months ended September 30,
(in thousands)			2024						2023						$ Change						% Change
Base salaries, net of deferred loan origination costs			$	72,279					$	70,675					$	1,604					2.3		%
Incentive compensation			12,329						11,663						666						5.7		%
Benefits and other compensation costs			20,647						19,402						1,245						6.4		%
Total salaries and benefits expense			105,255						101,740						3,515						3.5		%
Occupancy			12,205						12,099						106						0.9		%
Data processing and software			15,459						13,916						1,543						11.1		%
Equipment			4,060						4,322						(262)						(6.1)		%
Intangible amortization			3,090						4,902						(1,812)						(37.0)		%
Advertising			2,733						2,656						77						2.9		%
ATM and POS network charges			5,360						5,217						143						2.7		%
Professional fees			5,047						5,326						(279)						(5.2)		%
Telecommunications			1,576						1,971						(395)						(20.0)		%
Regulatory assessments and insurance			3,651						3,979						(328)						(8.2)		%
Postage			983						916						67						7.3		%
Operational losses			1,199						1,999						(800)						(40.0)		%
Courier service			1,581						1,314						267						20.3		%
(Gain) loss on sale or acquisition of foreclosed assets			(12)						(152)						140						(92.1)		%
(Gain) loss on disposal of fixed assets			12						22						(10)						(45.5)		%
Other miscellaneous expense			12,131						12,688						(557)						(4.4)		%
Total other non-interest expense			69,075						71,175						(2,100)						(3.0)		%
Total non-interest expense			$	174,330					$	172,915					$	1,415					0.8		%
Average full time equivalent staff			1,170						1,215						(45)						(3.7)		%

Total non-interest expense increased $1.4 million or 0.8% to $174.3 million during the nine months ended September 30, 2024, as compared to $172.9 million for the nine months ended September 30, 2023. This was largely attributed to an increase of $3.5 million or 3.5% in total salaries and benefits expense to $105.3 million, from annual compensation adjustments and other routine increases in benefits and compensation. Salaries expense was also impacted by an increase in average compensation per employee as various strategic talent acquisitions were made in order to further prepare the Company to execute its growth objectives beyond $10 billion in total assets. Additionally, data processing and software expenses increased by $1.5 million or 11.1% related to ongoing investments in the Company's data management and security infrastructure. These increases were partially offset by declines in non-cash intangible amortization expense of $1.8 million or 37.0% and reductions in operational losses of $0.8 million or 40.0% due to non-recurring ATM burglary expenses totaling $0.7 million in the comparative period.

Income Taxes

The Company’s effective tax rate was 26.3% and 26.1% for the quarter and nine months ended September 30, 2024, respectively as compared to 27.3% and 26.7% for the comparative periods ended September 30, 2023, respectively. Differences between the Company's effective tax rate and applicable federal and state blended statutory rate of approximately 29.6% are due to the proportion of non-taxable revenues, non-deductible expenses, and benefits from tax credits as compared to the levels of pre-tax earnings.

Financial Condition

For financial reporting purposes, the Company does not separately track the changes in assets and liabilities based on branch location or regional geography. The following is a comparison of the quarterly change in certain assets and liabilities:

Ending balances			September 30, 2024						June 30, 2024																								Annualized  % Change
(dollars in thousands)															$ Change
Total assets			$	9,823,890					$	9,741,399					$	82,491																	3.4		%
Total loans			6,683,891						6,742,526						(58,635)																		(3.5)
Total investments			2,116,469						2,086,090						30,379																		5.8
Total deposits			8,037,091						8,050,230						(13,139)																		(0.7)
Total other borrowings			266,767						247,773						18,994																		30.7

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Loans outstanding decreased by $58.6 million or 3.5% on an annualized basis during the quarter ended September 30, 2024. During the quarter, loan originations/draws totaled approximately $310.1 million while payoffs/repayments of loans totaled $368.7 million, which compares to originations/draws and payoffs/repayments during the trailing quarter ended of $325.5 million and $321.3 million, respectively. Origination volume activity levels remain slightly lower relative to the comparative period in 2023 due in part to disciplined pricing and underwriting, as well as decreased borrower demand given economic uncertainties. The increase in payoffs/repayments as compared to the trailing quarter was spread amongst numerous borrowers, regions and loan types.

Investment security balances decreased $30.4 million or 5.8% on an annualized basis during the current quarter as a result of net prepayments, and maturities, collectively totaling approximating $164.0 million and, to a lesser extent, sales totaling $28.6 million, partially offset by security purchases totaling $53.5 million, in addition to net increases in the market value of securities of $4.1 million. Investment security purchases were comprised of floating rate instruments tied to SOFR with an initial weighted average coupon of 6.77% and a weighted average life of 4.7 years. Investment security sales were primarily comprised of fixed rate instruments with a weighted average coupon of 2.39% and a weighted average life of 3.8 years. While management intends to primarily utilize cash flows from the investment security portfolio and organic deposit growth to support loan growth, excess liquidity will be utilized for purchases of investment securities to support net interest income growth and net interest margin expansion.

Deposit balances increased by $13.1 million or 0.7% annualized during the quarter, led by growth within time deposits.

Other borrowings totaled $266.8 million at September 30, 2024, representing a net decrease of $19.0 million from the trailing quarter. This quarter over quarter decrease was facilitated by proceeds from the sale, call or maturity of investment securities, and growth in deposits.

The following is a comparison of the year over year change in certain assets and liabilities:

Ending balances			As of September 30,																		% Change
(dollars in thousands)			2024						2023						$ Change
Total assets			$	9,823,890					$	9,897,006					$	(73,116)					(0.7)		%
Total loans			6,683,891						6,708,666						(24,775)						(0.4)
Total investments			2,116,469						2,333,162						(216,693)						(9.3)
Total deposits			8,037,091						8,009,643						27,448						0.3
Total other borrowings			266,767						537,975						(271,208)						(50.4)

Investment Securities

The following table presents the available for sale debt securities portfolio by major type as of September 30, 2024 and December 31, 2023:

			September 30, 2024												December 31, 2023
(in thousands)			Fair Value						%						Fair Value						%
Debt securities available for sale:
Obligations of U.S. government agencies			$	1,101,997					55.7		%				$	1,221,737					56.8		%
Obligations of states and political subdivisions			229,342						11.6		%				236,375						11.0		%
Corporate bonds			5,864						0.3		%				5,602						0.3		%
Asset backed securities			363,540						18.3		%				355,281						16.5		%
Non-agency mortgage backed			278,527						14.1		%				333,509						15.4		%
Total debt securities available for sale			$	1,979,270					100.0		%				$	2,152,504					100.0		%

			September 30, 2024												December 31, 2023
(in thousands)			Amortized Cost						%						Amortized Cost						%
Debt securities held to maturity:
Obligations of U.S. government and agencies			$	114,558					97.7		%				$	130,823					98.0		%
Obligations of states and political subdivisions			2,701						2.3		%				2,671						2.0		%
Total debt securities held to maturity			$	117,259					100.0		%				$	133,494					100.0		%

Investment securities held to maturity decreased $16.2 million to $117.3 million as of September 30, 2024, as compared to December 31, 2023. This decrease is attributable to calls and principal repayments of $16.0 million, and amortization of net purchase premiums of $0.1 million.

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Loans

The Company focuses its primary lending activities in six principal areas: commercial real estate loans, consumer loans, commercial and industrial loans, construction loans, agriculture production loans and leases. The interest rates charged for the loans made by the Company vary with the degree of risk, the size and duration of the loans, the borrower’s relationship with the Company and prevailing money market rates indicative of the Company’s cost of funds.

The majority of the Company’s loans are direct loans made to individuals, and local or regional businesses which service a variety of industries. The Company relies substantially on local promotional activity and personal contacts by bank officers, directors and employees to compete with other financial institutions. The Company makes loans to borrowers whose applications include a sound purpose, a viable repayment source and a plan of repayment established at inception and generally backed by a secondary source of repayment.

The following table shows the Company’s loan balances, net of deferred loan costs and discounts, as of the dates indicated:

(in thousands)			September 30, 2024												December 31, 2023
Commercial real estate			$	4,487,524					67.1		%				$	4,394,802					64.7		%
Consumer			1,283,963						19.2		%				1,313,268						19.3		%
Commercial and industrial			484,763						7.3		%				586,455						8.6		%
Construction			276,095						4.1		%				347,198						5.1		%
Agriculture production			144,123						2.2		%				144,497						2.2		%
Leases			7,423						0.1		%				8,250						0.1		%
Total loans			$	6,683,891					100.0		%				$	6,794,470					100.0		%

Nonperforming Assets

The following tables set forth the amount of the Company’s NPAs as of the dates indicated. “Performing nonaccrual loans” are loans that may be current for both principal and interest payments, or are less than 90 days past due, but for which payment in full of both principal and interest is not expected, and are not well secured and in the process of collection:

(in thousands)			September 30, 2024						December 31, 2023
Performing nonaccrual loans			$	20,026					$	25,380
Nonperforming nonaccrual loans			21,525						6,500
Total nonaccrual loans			41,551						31,880
Loans 90 days past due and still accruing			85						11
Total nonperforming loans			41,636						31,891
Foreclosed assets			2,764						2,704
Total nonperforming assets			$	44,400					$	34,595
Nonperforming assets to total assets			0.45		%				0.35		%
Nonperforming loans to total loans			0.62		%				0.47		%
Allowance for credit losses to nonperforming loans			297		%				381		%

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Changes in nonperforming assets during the three months ended September 30, 2024

(in thousands)			Balance at June 30, 2024						New NPA / Valuation Adjustments						Pay-downs /Sales /Upgrades						Charge-offs/ (1) Write-downs						Transfers to Foreclosed Assets						Balance at September 30, 2024
Commercial real estate:
CRE non-owner occupied			$	4,882					587						(1,846)						—						—						$	3,623
CRE owner occupied			3,426						—						(148)						—						—						3,278
Multifamily			—						502						—						—						—						502
Farmland			13,071						—						(104)						—						—						12,967
Total commercial real estate loans			21,379						1,089						(2,098)						—						—						20,370
Consumer
SFR 1-4 1st DT liens			5,189						878						(70)						—						—						5,997
SFR HELOCs and junior liens			3,291						1,046						(99)						—						—						4,238
Other			72						113						(4)						(64)						—						117
Total consumer loans			8,552						2,037						(173)						(64)						—						10,352
Commercial and industrial			2,623						8,631						(338)						(274)						—						10,642
Construction			63						—						(4)						—						—						59
Agriculture production			157						198						(142)						—						—						213
Leases			—						—						—						—						—						—
Total nonperforming loans			32,774						11,955						(2,755)						(338)						—						41,636
Foreclosed assets			2,493						665						(394)						—						—						2,764
Total nonperforming assets			$	35,267					12,620						(3,149)						(338)						—						$	44,400

(1) The table above does not include deposit overdraft charge-offs.

Nonperforming assets increased during the three months ended September 30, 2024 by $9.1 million or 25.9% to $44.4 million compared to $35.3 million at June 30, 2024. The increase in nonperforming assets during the third quarter of 2024 was primarily the result of nonperforming loan pay-downs and upgrades, which totaled $2.8 million during the quarter, as well as $0.3 million in charge-offs. Management is actively engaged in the collection and recovery efforts for all nonperforming assets and believes that the loan loss reserves associated with these loans is sufficient as of September 30, 2024.

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Changes in nonperforming assets during the nine months ended September 30, 2024

(in thousands)			Balance at December 31, 2023						New NPA / Valuation Adjustments						Pay-downs /Sales /Upgrades						Charge-offs/ (1) Write-downs						Transfers to Foreclosed Assets						Balance at September 30, 2024
Commercial real estate:
CRE non-owner occupied			$	2,024					4,211						(2,612)						—						—						$	3,623
CRE owner occupied			3,994						26						(742)						—						—						3,278
Multifamily			—						502						—						—						—						502
Farmland			14,484						—						(1,517)						—						—						12,967
Total commercial real estate loans			20,502						4,739						(4,871)						—						—						20,370
Consumer
SFR 1-4 1st DT liens			2,811						3,647						(435)						(26)						—						5,997
SFR HELOCs and junior liens			3,571						1,802						(1,095)						(40)						—						4,238
Other			105						308						(35)						(261)						—						117
Total consumer loans			6,487						5,757						(1,565)						(327)						—						10,352
Commercial and industrial			2,513						10,607						(1,204)						(1,274)						—						10,642
Construction			67						9						(5)						—						(12)						59
Agriculture production			2,321						217						(875)						(1,450)						—						213
Leases			—						—						—						—						—						—
Total nonperforming loans			31,890						21,329						(8,520)						(3,051)						(12)						41,636
Foreclosed assets			2,705						442						(395)						—						12						2,764
Total nonperforming assets			$	34,595					21,771						(8,915)						(3,051)						—						$	44,400

(1) The table above does not include deposit overdraft charge-offs.

Nonperforming assets increased during the nine months ended September 30, 2024 by $9.8 million or 28.3% to $44.4 million compared to $34.6 million at December 31, 2023. The increase in nonperforming assets during the nine months ended September 30, 2024 was primarily the result of nonperforming loan increases/down-grades, which totaled $21.3 million. Management is actively engaged in the collection and recovery efforts for all nonperforming assets and believes that the loan loss reserves associated with these loans is sufficient as of September 30, 2024.

Loan charge-offs during the three and nine months ended September 30, 2024

In the third quarter of 2024, the Company recorded $0.4 million in loan charge-offs and $0.1 million in deposit overdraft charge-offs less $0.3 million in loan recoveries and $0.02 million in deposit overdraft recoveries, which collectively resulted in $0.1 million in net charge-offs. During the nine months ended September 30, 2024, the Company recorded $3.3 million in loan charge-offs and $0.2 million in deposit overdraft charge-offs less $0.9 million in loan recoveries and $0.1 million in deposit overdraft recoveries, which collectively resulted in $3.0 million in net charge-offs.

The Components of the Allowance for Credit Losses for Loans

The following table sets forth the allowance for credit losses for loans as of the dates indicated:

(in thousands)			September 30, 2024						December 31, 2023						September 30, 2023
Allowance for credit losses:
Qualitative and forecast factor allowance			$	85,518					$	84,291					$	80,923
Cohort model allowance reserves			33,514						34,139						33,325
Allowance for individually evaluated loans			4,728						3,092						1,564
Total allowance for credit losses			$	123,760					$	121,522					$	115,812
Allowance for credit losses for loans / total loans			1.85		%				1.79		%				1.73		%

For additional information regarding the allowance for loan losses, including changes in specific, formula, and environmental factors allowance categories, see “Asset Quality and Loan Loss Provisioning” at “Results of Operations”, above. Based on the current conditions of the loan portfolio, management believes that the $123.8 million allowance for loan losses at September 30, 2024 is adequate to absorb probable losses inherent in the Bank’s loan portfolio. No assurance can be given, however, that adverse economic conditions or other circumstances will not result in increased losses in the portfolio.

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The following table summarizes the allocation of the allowance for credit losses between loan types and by percentage of the total allowance for credit losses on loans as of the dates indicated:

(in thousands)			September 30, 2024												December 31, 2023												September 30, 2023
Commercial real estate			$	71,339					57.6		%				$	68,864					56.7		%				$	66,675					57.6		%
Consumer			27,504						22.2		%				27,453						22.6		%				26,618						23.0		%
Commercial and industrial			14,453						11.7		%				12,750						10.5		%				12,290						10.6		%
Construction			7,119						5.8		%				8,856						7.3		%				8,097						7.0		%
Agriculture production			3,312						2.7		%				3,589						2.9		%				2,125						1.8		%
Leases			33						0.0		%				10						0.0		%				7						0.0		%
Total allowance for credit losses			$	123,760					100.0		%				$	121,522					100.0		%				$	115,812					100.0		%

The following table summarizes the allocation of the allowance for credit losses as a percentage of the total loans for each loan category as of the dates indicated:

(in thousands)									September 30, 2024												December 31, 2023						September 30, 2023
Commercial real estate									1.59		%										1.57		%										1.53		%
Consumer									2.14		%										2.09		%										2.07		%
Commercial and industrial									2.98		%										2.17		%										2.05		%
Construction									2.58		%										2.55		%										2.52		%
Agriculture production									2.30		%										2.48		%										1.72		%
Leases									0.44		%										0.12		%										0.09		%
Total loans									1.85		%										1.79		%										1.73		%

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The following table summarizes the activity in the allowance for credit losses for the periods indicated:

			Three months ended September 30,												Nine months ended September 30,
(in thousands)			2024						2023						2024						2023
Allowance for credit losses:
Balance at beginning of period			$	123,517					$	117,329					$	121,522					$	105,680
Provision for credit losses			320						3,120						4,670						16,415
Loans charged-off:
Commercial real estate:
CRE non-owner occupied			—						—						—						—
CRE owner occupied			—						(3,608)						—						(3,608)
Multifamily			—						—						—						—
Farmland			—						—						—						—
Consumer:
SFR 1-4 1st DT liens			—						—						(26)						—
SFR HELOCs and junior liens			—						—						(41)						(42)
Other			(170)						(133)						(538)						(438)
Commercial and industrial			(274)						(1,616)						(1,274)						(3,303)
Construction			—						—						—						—
Agriculture production			—						—						(1,450)						—
Leases			—						—						—						—
Total loans charged-off			(444)						(5,357)						(3,329)						(7,391)
Recoveries of previously charged-off loans:
Commercial real estate:
CRE non-owner occupied			—						—						—						—
CRE owner occupied			1						—						2						1
Multifamily			—						—						—						—
Farmland			—						—						—						—
Consumer:
SFR 1-4 1st DT liens			—						262						—						262
SFR HELOCs and junior liens			196						314						296						416
Other			63						52						184						129
Commercial and industrial			106						91						389						267
Construction			—						—						—						—
Agriculture production			1						1						26						33
Leases			—						—						—						—
Total recoveries of previously charged-off loans			367						720						897						1,108
Net charge-offs			(77)						(4,637)						(2,432)						(6,283)
Balance at end of period			$	123,760					$	115,812					$	123,760					$	115,812
Average total loans			$	6,690,326					$	6,597,400					$	6,755,916					$	6,493,585
Ratios (annualized):
Net (charge-offs) recoveries during period to average loans outstanding during period			—		%				(0.28)		%				(0.05)		%				(0.13)		%
Provision for credit losses to average loans outstanding during period			0.02		%				0.19		%				0.09		%				0.34		%

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Foreclosed Assets, Net of Allowance for Losses

The following table details the components and summarize the activity in foreclosed assets, net of allowances for losses, for the nine months ended September 30, 2024:

(in thousands)			Balance at December 31, 2023						Sales						Valuation Adjustments						Transfers from Loans						Balance at September 30, 2024
Land & construction			$	154					$	12					$	39					$	—					$	205
Residential real estate			1,673						446						(262)						—						1,857
Commercial real estate			878						—						218						(394)						702
Total foreclosed assets			$	2,705					$	458					$	(5)					$	(394)					$	2,764

Deposits

During the nine months ended September 30, 2024, the Company’s deposits increased by $203.1 million to $8.0 billion at quarter end. There were no brokered deposits included in the deposit balances as of September 30, 2024 and December 31, 2023. Estimated uninsured deposits totaled $2.5 billion and $2.4 billion as of September 30, 2024 and December 31, 2023, respectively.

Off-Balance Sheet Arrangements

See Note 9 to the condensed consolidated financial statements at Item 1 of Part I of this report for information about the Company’s commitments and contingencies including off-balance-sheet arrangements.

Capital Resources

The current and projected capital position of the Company and the impact of capital plans and long-term strategies are reviewed regularly by Management.

On February 25, 2021 the Board of Directors authorized the repurchase of up to 2,000,000 shares of the Company's common stock (the 2021 Repurchase Plan), which approximated 6.7% of the shares outstanding as of the approval date. The actual timing of any share repurchases will be determined by the Company's management and therefore the total value of the shares to be purchased under the 2021 Repurchase Plan is subject to change. The Company may repurchase its outstanding shares of common stock from time to time in open market or privately-negotiated transactions, including block trades, or pursuant to 10b5-1 trading plans. The 2021 Repurchase Plan has no expiration date (in accordance with applicable laws and regulations).

During the three and nine months ended September 30, 2024, the Company repurchased zero and 344,324 shares with market values of $0.0 million and $12.5 million, respectively. During the three and nine months ended September 30, 2023, the Company repurchased zero and 150,000 shares with market values of zero and $7.0 million, respectively. In addition, the Company’s Tier 1 common equity and tangible capital ratios increased to 13.1% and 9.7%, respectively as of September 30, 2024, compared to 12.2% and 8.8%, respectively, as of December 31, 2023.

Total shareholders' equity increased by $64.0 million during the quarter ended September 30, 2024, as net income of $29.1 million and a $44.5 million decrease in accumulated other comprehensive losses was partially offset by cash dividend payments on common stock of approximately $10.9 million. As a result, the Company’s book value grew to $37.55 per share at September 30, 2024, compared to $32.18 at September 30, 2023. The Company’s tangible book value per share, a non-GAAP measure, calculated by subtracting goodwill and other intangible assets from total shareholders’ equity and dividing that sum by total shares outstanding, was $28.09 per share at September 30, 2024, as compared to $22.67 at September 30, 2023. As noted previously, changes in the fair value of available-for-sale investment securities, net of deferred taxes continue to create moderate levels of volatility in tangible book value per share.

Current Year Balance Sheet Change

			September 30, 2024												December 31, 2023
			Ratio						Minimum Regulatory Requirement						Ratio						Minimum Regulatory Requirement
Total risk based capital			15.6		%				10.5		%				14.7		%				10.5		%
Tier I capital			13.8		%				8.5		%				12.9		%				8.5		%
Common equity Tier 1 capital			13.1		%				7.0		%				12.2		%				7.0		%
Leverage			11.6		%				4.0		%				10.7		%				4.0		%

See Note 10 and Note 16 to the condensed consolidated financial statements at Item 1 of Part I of this report for additional information about the Company’s capital resources.

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As of September 30, 2024, we had an effective shelf registration statement on file with the Securities and Exchange Commission that allows us to issue various types of debt securities, as well as common stock, preferred stock, warrants, depository shares representing fractional interest in shares of preferred stock, purchase contracts and units from time to time in one or more offerings. Each issuance under the shelf registration statement will require the filing of a prospectus supplement identifying the amount and terms of the securities to be issued. The registration statement does not limit the amount of securities that may be issued thereunder. Our ability to issue securities is subject to market conditions and other factors including, in the case of our debt securities, our credit ratings and compliance with current and prospective covenants in credit agreements.

Liquidity

The Company's primary sources of liquidity include the following for the periods indicated:

(dollars in thousands)			September 30, 2024						December 31, 2023
Borrowing capacity at correspondent banks and FRB			$	2,757,640					$	2,921,525
Less: borrowings outstanding			(250,000)						(600,000)
Unpledged available-for-sale investment securities			1,312,745						1,558,506
Cash held or in transit with FRB			274,908						51,253
Total primary liquidity			$	4,095,293					$	3,931,284

At September 30, 2024, the Company's primary sources of liquidity represented 51% of total deposits and 163% of estimated total uninsured (excluding collateralized municipal deposits and intercompany balances) deposits, respectively. As secondary sources of liquidity, the Company's held-to-maturity investment securities had a fair value of $112.0 million, including approximately $5.3 million in net unrealized losses.

The Company’s profitability during the first nine months of 2024 generated cash flows from operations of $85.5 million compared to $102.4 million during the first nine months of 2023. Net cash from investing activities was $345.0 million for the nine months ended September 30, 2024, compared to net cash from investing activities of $13.6 million during the nine months ending 2023. Financing activities used $209.0 million during the nine months ended September 30, 2024, compared to $84.9 million during the nine months ended September 30, 2023.

The changes in contractual obligations of the Company and Bank, to include but not limited to term subordinated debt, operating leases, deferred compensation and supplemental retirement plans as well as off-balance sheet commitments such as unfunded loans and letters of credit, are consistent with similar balances or totals as of December 31, 2023.

The Company is dependent upon the payment of cash dividends by the Bank to service its commitments, which have historically included dividends to shareholders, scheduled debt service payments, and general operations. Shareholder dividends are expected to continue subject to the Board’s discretion and management's continuing evaluation of capital levels, earnings, asset quality and other factors. The Company expects that the cash dividends paid by the Bank to the Company will be sufficient to cover the Company's cash flow needs. However, the Company and its ability to generate liquidity through either the issuance of stock or debt, also serves as a potential source of strength for the Bank. Dividends paid by the Company to holders of its common stock used $32.8 million and $29.9 million of cash during the nine months ended September 30, 2024 and 2023, respectively. The Company’s liquidity is dependent on dividends received from the Bank. Dividends from the Bank are subject to certain regulatory restrictions.

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TRICO BANCSHARES—NON-GAAP FINANCIAL MEASURES

(Unaudited. Dollars in thousands)

In addition to results presented in accordance with generally accepted accounting principles in the United States of America (GAAP), this filing contains certain non-GAAP financial measures. Management has presented these non-GAAP financial measures in this filing because it believes that they provide useful and comparative information to assess trends in the Company's core operations reflected in the current quarter's results, and facilitate the comparison of our performance with the performance of our peers. However, these non-GAAP financial measures are supplemental and are not a substitute for any analysis based on GAAP. Where applicable, comparable earnings information using GAAP financial measures is also presented. Because not all companies use the same calculations, our presentation may not be comparable to other similarly titled measures as calculated by other companies. For a reconciliation of these non-GAAP financial measures, see the tables below:

			Three months ended												Nine months ended
(dollars in thousands)			September 30, 2024												September 30, 2023						September 30, 2024						September 30, 2023
Net interest margin
Acquired loans discount accretion, net:
Amount (included in interest income)			$1,018												$1,324						$3,200						$4,192
Effect on average loan yield			0.06		%										0.08		%				0.06		%				0.09		%
Effect on net interest margin (FTE)			0.05		%										0.06		%				0.05		%				0.06		%
Net interest margin (FTE)			3.71		%										3.88		%				3.69		%				4.01		%
Net interest margin less effect of acquired loan discount accretion (Non-GAAP)			3.66		%										3.82		%				3.64		%				3.95		%

			Three months ended												Nine months ended
(dollars in thousands)			September 30, 2024						September 30, 2023						September 30, 2024						September 30, 2023
Pre-tax pre-provision return on average assets or equity
Net income (GAAP)			$29,051						$30,590						$85,834						$91,315
Exclude provision for income taxes			10,348						11,484						30,382						33,190
Exclude provision for credit losses			220						4,155						4,930						18,000
Net income before income tax and provision expense (Non-GAAP)			$39,619						$46,229						$121,146						$142,505
Average assets (GAAP)			$9,666,979						$9,874,240						$9,767,965						$9,867,099
Average equity (GAAP)			$1,214,510						$1,112,404						$1,186,245						$1,104,122
Return on average assets (GAAP) (annualized)			1.20		%				1.23		%				1.17		%				1.24		%
Pre-tax pre-provision return on average assets (Non-GAAP) (annualized)			1.63		%				1.86		%				1.66		%				1.93		%
Return on average equity (GAAP) (annualized)			9.52		%				10.91		%				9.67		%				11.06		%
Pre-tax pre-provision return on average equity (Non-GAAP) (annualized)			12.98		%				16.49		%				13.64		%				17.26		%

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			Three months ended												Nine months ended
(dollars in thousands)			September 30, 2024						September 30, 2023						September 30, 2024						September 30, 2023
Return on tangible common equity
Average total shareholders' equity			$1,214,510						$1,112,404						$1,186,245						$1,104,122
Exclude average goodwill			304,442						304,442						304,442						304,442
Exclude average other intangibles			8,093						12,563						9,098						14,219
Average tangible common equity (Non-GAAP)			$901,975						$795,399						$872,705						$785,461
Net income (GAAP)			$29,051						$30,590						$85,834						$91,315
Exclude amortization of intangible assets, net of tax effect			725						1,120						2,175						3,453
Tangible net income available to common shareholders (Non-GAAP)			$29,776						$31,710						$88,009						$94,768
Return on average equity (GAAP) (annualized)			9.52		%				10.91		%				9.67		%				11.06		%
Return on average tangible common equity (Non-GAAP)			13.13		%				15.82		%				13.47		%				16.13		%

			As of
(dollars in thousands)			September 30, 2024						December 31, 2023
Tangible shareholders' equity to tangible assets
Shareholders' equity (GAAP)			$1,239,015						$1,159,682
Exclude goodwill and other intangible assets, net			311,904						314,994
Tangible shareholders' equity (Non-GAAP)			$927,111						$844,688
Total assets (GAAP)			$9,823,890						$9,910,089
Exclude goodwill and other intangible assets, net			311,904						314,994
Total tangible assets (Non-GAAP)			$9,511,986						$9,595,095
Shareholders' equity to total assets (GAAP)			12.61		%				11.70		%
Tangible shareholders' equity to tangible assets (Non-GAAP)			9.75		%				8.80		%

			As of
(dollars in thousands)			September 30, 2024						December 31, 2023
Tangible common shareholders' equity per share
Tangible shareholders' equity (Non-GAAP)			$927,111						$844,688
Common shares outstanding at end of period			33,000,508						33,268,102
Common shareholders' equity (book value) per share (GAAP)			$37.55						$34.86
Tangible common shareholders' equity (tangible book value) per share (Non-GAAP)			$28.09						$25.39

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Item 3.    Quantitative and Qualitative Disclosures about Market Risk

Based on the changes in interest rates as well as the mix shift of interest earning assets and interest bearing liabilities occurring subsequent to December 31, 2023, the following update of the Company’s assessment of market risk as of September 30, 2024 is being provided. These updates and changes should be read in conjunction with the additional quantitative and qualitative disclosures in our Annual Report on Form 10-K for the year ended December 31, 2023.

As of September 30, 2024, the Company's loan portfolio consisted of approximately $6.7 billion in outstanding principal with a weighted average coupon rate of 5.49%. During the three-month periods ending September 30, 2024, June 30, 2024, and September 30, 2023, the weighted average coupon on loan production in the quarter was 7.63%, 7.98% and 7.31%, respectively. Included in the September 30, 2024, total loans are adjustable rate loans totaling $4.2 billion, of which, $891.6 million are considered floating based on the Wall Street Prime index. In addition, the Company holds certain investment securities with fair values totaling $371.1 million which are subject to repricing on not less than a quarterly basis.

Management funds the acquisition of nearly all of its earning assets through its core deposit gathering activities. As of September 30, 2024, non-interest bearing deposits represented 31.7% of total deposits. Further, during the quarter ended September 30, 2024, the cost of interest bearing deposits were 2.23% and the cost of total deposits were 1.52%. With the intent of stabilizing or increasing net interest income, management intends to continue to deploy its excess liquidity and/or seek to migrate certain earning assets into higher yielding categories. However, in situations where deposit balances contract, management may rely upon various borrowing facilities or the use of brokered deposits. Through the third quarter of 2024 and during the entire 2023 year, management did not utilize any brokered deposits. Management did however utilize borrowing lines from the FHLB, both overnight and term structured up to 12 months, due to expectations that such borrowings will be needed through the remainder of the year and into 2025 to support earning asset strategies.

As of September 30, 2024 the overnight Federal funds effective rate, the rate primarily used in these interest rate shock scenarios, was 4.83%. These scenarios assume that 1) interest rates increase or decrease evenly (in a “ramp” fashion) over a twelve-month period and remain at the new levels beyond twelve months or 2) that interest rates change instantaneously (“shock”). The simulation results shown below assume no changes in the structure of the Company’s balance sheet over the twelve months being measured.

The following table summarizes the estimated effect on net interest income and market value of equity to changing interest rates as measured against a flat rate (no interest rate change) instantaneous parallel shock scenario over a twelve month period utilizing a interest sensitivity (GAP) analysis based on the Company's specific mix of interest earning assets and interest bearing liabilities as of September 30, 2024.

Interest Rate Risk Simulations:

Change in Interest Rates (Basis Points)			Estimated Change in Net Interest Income (NII) (as % of NII)						Estimated  Change in  Market Value of Equity (MVE) (as % of MVE)
+300 (shock)			(7.4)		%				(5.6)		%
+200 (shock)			(5.0)		%				(3.7)		%
+100 (shock)			(2.4)		%				(0.8)		%
+    0 (flat)			—						—
-100 (shock)			0.2		%				(2.8)		%
-200 (shock)			0.1		%				(9.6)		%
-300 (shock)			1.5		%				(20.8)		%

Item 4.    Controls and Procedures

The Company’s management, including its Chief Executive Officer and Chief Financial Officer, have evaluated the effectiveness of the Company’s disclosure controls and procedures as of September 30, 2024. Disclosure controls and procedures, as defined in Rule 13a-15(e) under the Securities Exchange Act of 1934, as amended (the “Exchange Act”), are controls and procedures designed to reasonably assure that information required to be disclosed in the Company’s reports filed or submitted under the Exchange Act is recorded, processed, summarized and reported on a timely basis. Disclosure controls are also designed to reasonably assure that such information is accumulated and communicated to the Company’s management, including the Chief Executive Officer and Chief Financial Officer, as appropriate, to allow timely decisions regarding required disclosure. Based upon their evaluation, our Chief Executive Officer and Chief Financial Officer concluded that the Company’s disclosure controls and procedures were effective as of September 30, 2024.

During the three months ended September 30, 2024, there were no changes in our internal controls or in other factors that have materially affected or are reasonably likely to materially affect our internal controls over financial reporting.

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PART II – OTHER INFORMATION

Item 1 — Legal Proceedings

Due to the nature of our business, we are involved in legal proceedings that arise in the ordinary course of our business. While the outcome of these matters is currently not determinable, we do not expect that the ultimate costs to resolve these matters will have a material adverse effect on our consolidated financial position, results of operations, or cash flows.

Item 1A — Risk Factors

In evaluating an investment in the Company's common stock, investors should consider carefully, among other things, the risk factors previously disclosed in Part I, Item 1A of our Annual Report on Form 10-K for the year ended December 31, 2023 filed with the SEC on February 29, 2024, and in the information contained in this Quarterly Report on Form 10-Q and our other reports and registration statements.

Item 2 — Unregistered Sales of Equity Securities and Use of Proceeds

The following table shows the repurchases made by the Company or any affiliated purchaser (as defined in Rule 10b-18(a)(3) under the Exchange Act) during the periods indicated:

Period			(a) Total number of shares purchased (1)						(b) Average price paid per share						(c) Total number of shares purchased as of part of publicly announced plans or programs						(d) Maximum number of shares that may yet be purchased under the plans or programs at period end (2)
July 1-31, 2024			1,551						$	42.98					—						865,478
August 1-31, 2024			—						—						—						865,478
September 1-30, 2024			—						—						—						865,478
Total			1,551						$	42.98					—

(1)Includes shares purchased by the Company’s Employee Stock Ownership Plan in open market purchases and shares tendered by employees pursuant to various other equity incentive plans. See Notes 10 and 11 to the condensed consolidated financial statements at Item 1 of Part I of this report, for a discussion of the Company’s stock repurchased under equity compensation plans.

(2)Does not include shares that may be purchased by the Company’s Employee Stock Ownership Plan and pursuant to various other equity incentive plans. See Note 11 to the condensed consolidated financial statements at Item 1 of Part I of this report, for a discussion of the Company’s stock repurchase plan.

Item 5 — Other Information

Rule 10b5-1 Trading Arrangements

(a) TriCo Bancshares (the “Company”) adopted a form of Restricted Stock Unit Award Agreement (the “RSU Agreement”) and a form of Performance Award Agreement (the “PSU Agreement”) to be used to document grants of awards to executives made under the 2019 Equity Incentive Plan (the “Plan”) during 2024. The agreements were signed by the executives on November 6, 2024.

The RSU Agreement provides that awards of restricted stock units (“RSUs”) vest in three equal annual installments. RSUs vest automatically upon a recipient’s employment termination due to death or disability.

The PSU Agreement provides that performance stock units (“PSUs”) vest in a single tranche three years after the grant date. The number of PSUs earned upon vesting depends on the total shareholder return for the Company’s common stock relative to the KBW Nasdaq Regional Banking Index over a three-year performance period beginning on the date of grant. The actual number of shares earned on vesting ranges from 0% to 150% of the target number granted, depending on the performance of the Company’s common stock compared to the index over the performance period. Upon a recipient’s employment termination due to death or disability, the final day of the performance period will be adjusted to be the executive’s termination date and a pro rata portion of the PSUs will vest based on the portion of the original three-year performance period elapsed. In the event of a change of control, the performance period will be adjusted to end the day immediately prior to the change of control and a pro rata portion of the PSUs will vest based on the portion of the original three-year performance period elapsed, provided that if the recipient is terminated within 12 months of the date of the change of control, the recipient shall instead be entitled to 100% of the number of PSU determined as of the end of the adjusted performance period.

The RSU Agreement and PSU Agreement further provide that if an executive recipient having at least six full years of service with the Company retires from employment at age 62 or greater, a percentage of the outstanding and unvested equity awards granted by the Company pursuant to these agreements will continue to vest following retirement, subject to certain conditions, including that (1) the participant provides at least 9 months written notice of their intent to retire, (2) the Company determines that the continued vesting is appropriate, based on the recipient’s performance and (3) the recipient executes of a release of claims in favor of the Company. The percentage of the awards entitled to post-retirement vesting is based on the number of full years of service with the Company that participant has completed at retirement and ranges from 20% (with six full years of service) to 100% (with 10 or more full years of service),

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provided that if the Company’s pre-tax, pre-provision income is negative for any of the four quarters immediately preceding the participant’s retirement, the number of awards entitled to post-retirement vesting will be reduced by 25%.

This summary of the RSU Agreement and the PSU Agreement does not purport to be complete and is qualified in its entirety by reference to the forms such agreements filed as exhibits to this report. Form of these agreements are included as exhibits 10.2 and 10.4 to this Form 10-Q.

(b) N/A

(c) During the three and nine months ended September 30, 2024, none of the Company’s directors or officers (as defined in Rule 16a-1(f)) adopted or terminated a Rule 10b5-1 trading arrangement or non-Rule 10b5-1 trading arrangement (in each case, as defined in item 408 of Regulation S-K) for the purchase or sale of the Company's common stock.

Item 6 – Exhibits

EXHIBIT INDEX

Exhibit  No.						Exhibit
10.1						Form of Restricted Stock Unit Agreement and Grant Notice for Non-Executives pursuant to TriCo’s 2019 Equity Incentive Plan
10.2						Form of Restricted Stock Unit Agreement and Grant Notice for Executives pursuant to TriCo’s 2019 Equity Incentive Plan
10.3						Form of Performance Award Agreement and Grant Notice for Non-Executives pursuant to TriCo’s 2019 Equity Incentive Plan
10.4						Form of Performance Award Agreement and Grant Notice for Executives pursuant to TriCo’s 2019 Equity Incentive Plan
31.1						Rule 13a-14(a)/15d-14(a) Certification of CEO
31.2						Rule 13a-14(a)/15d-14(a) Certification of CFO
32.1						Section 1350 Certification of CEO
32.2						Section 1350 Certification of CFO
101.INS						XBRL Instance Document
101.SCH						XBRL Taxonomy Extension Schema Document
101.CAL						XBRL Taxonomy Extension Calculation Linkbase Document
101.LAB						XBRL Taxonomy Extension Label Linkbase Document
101.PRE						XBRL Taxonomy Extension Presentation Linkbase Document
101.DEF						XBRL Taxonomy Extension Definition Linkbase Document

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			TRICO BANCSHARES
			(Registrant)
Date: November 7, 2024			/s/ Peter G. Wiese
			Peter G. Wiese
			Executive Vice President and Chief Financial Officer
			(Duly authorized officer and principal financial and chief accounting officer)

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