TriCo Bancshares Q3 2026 profit rises to $38M

Available-for-sale debt securities had $222.324 million in gross unrealized losses at September 30, while TriCo expected all contractual cash flows.

Available on EDGAR 11/06/2026 - 05:14 PM EST Accepted by SEC EDGAR 11/06/2026 - 05:13 PM EST Learn about SEC filing dates

Rhea-AI Filing Summary

TriCo Bancshares reported third-quarter 2026 net income of $37.967 million, compared with $34.019 million in the third quarter of 2025; diluted earnings per share were $1.18 versus $1.04. Net interest income was $96.546 million, compared with $89.555 million. For the first nine months, net income was $105.821 million versus $87.924 million.

At September 30, 2026, total assets were $9,978.516 million, compared with $9,822.063 million at December 31, 2025; net loans were $7,282.034 million versus $6,985.325 million, and deposits were $8,443.433 million versus $8,263.901 million. Cash and cash equivalents totaled $195.691 million. Nine-month operating cash flow was $99.989 million. TriCo repurchased 497,852 common shares for $24.203 million and paid $1.08 per share in dividends during the nine months.

Third-quarter other comprehensive loss was $42.607 million, reflecting unrealized losses on available-for-sale securities; gross unrealized losses on available-for-sale debt securities were $222.324 million at September 30. TriCo attributed the unrealized losses to market interest-rate changes or wider market spreads rather than underlying issuer credit and stated that it expected to receive all contractual cash flows from its available-for-sale and held-to-maturity debt securities.

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Positive

• Moderate pointThird-quarter net income: $37.967 million, versus $34.019 million a year earlier.

Negative

• None.

Filing Explained

At September 30, 2026, TriCo Bancshares reported $67,177 thousand in net nonaccrual loans, versus $62,449 thousand at December 31, 2025. Nonaccrual loans are loans on which interest accrual has been discontinued.

Key Figures

Third-quarter net income: $37.967 million Diluted earnings per share: $1.18 per share Nine-month net income: $105.821 million +5 more

8 metrics

Third-quarter net income $37.967 million Three months ended September 30, 2026; $34.019 million in 2025

Diluted earnings per share $1.18 per share Three months ended September 30, 2026; $1.04 in 2025

Nine-month net income $105.821 million Nine months ended September 30, 2026; $87.924 million in 2025

Total assets $9,978.516 million As of September 30, 2026

Net loans $7,282.034 million As of September 30, 2026

Total deposits $8,443.433 million As of September 30, 2026

Gross unrealized losses on available-for-sale debt securities $222.324 million As of September 30, 2026

Net cash from operating activities $99.989 million Nine months ended September 30, 2026

Key Terms

Allowance for Credit Losses, CECL methodology, nonaccrual status, collateral dependent loans

4 terms

Allowance for Credit Losses financial

"Allowance for Credit Losses - Loans"

Allowance for credit losses is a reserve set aside by a financial institution to cover potential losses from borrowers who may not repay their loans. It acts like a safety net, helping the institution prepare for loans that might turn sour. For investors, it signals how cautious the institution is about the quality of its loans and potential risks to its financial health.

CECL methodology financial

"provided through an expected loss methodology referred to as CECL methodology"

CECL methodology is an accounting approach that requires lenders and investors to estimate and record the lifetime expected credit losses on loans and other financial assets at the time they are acquired or originated. It matters because the size of those forward-looking loss estimates changes a company’s loan-loss reserves, which directly affects reported earnings, regulatory capital and how investors judge credit risk — similar to setting aside a rainy-day fund based on the forecast of future storms.

nonaccrual status financial

"Loans are placed in nonaccrual status"

Nonaccrual status is when a lender stops recording interest income on a loan because payments are late or the borrower’s ability to pay is in serious doubt. For investors this is a red flag: it signals deteriorating loan quality, can reduce reported earnings and may require the lender to set aside more reserves, much like marking a damaged product off the books until its value is clear.

collateral dependent loans financial

"amortized cost basis of collateral dependent loans"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How much did TCBK earn in the third quarter of 2026?

TriCo Bancshares reported net income of $37.967 million for the three months ended September 30, 2026, compared with $34.019 million for the same period in 2025. Diluted earnings per share were $1.18, versus $1.04.

How many TCBK common shares were outstanding in November 2026?

TriCo Bancshares reported 31,966,630 common shares outstanding as of November 4, 2026.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Table of Contents

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

___________________

FORM 10-Q

___________________

☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

for the quarterly period ended: September 30, 2026

☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

for the transition period from                to              

Commission File Number: 000-10661

___________________

(Exact Name of Registrant as Specified in Its Charter)

___________________

CA						94-2792841
(State or Other Jurisdiction of Incorporation or Organization)						(I.R.S. Employer Identification Number)

63 Constitution Drive

Chico, California 95973

(Address of Principal Executive Offices)(Zip Code)

(530) 898-0300

(Registrant’s Telephone Number, Including Area Code)

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock

TCBK

The NASDAQ Stock Market

Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. ☒ Yes ☐ No

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). ☒ Yes ☐ No

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, non-accelerated filer, a smaller reporting company, or an emerging growth company. See definitions of “accelerated filer”, “large accelerated filer”, “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

☒

Large accelerated filer

☐

Accelerated filer

☐

Non-accelerated filer

☐

Smaller reporting company

☐

Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). ☐ Yes ☒ No

Indicate the number of shares outstanding for each of the issuer’s classes of common stock, as of the latest practical date:

Common stock, no par value: 31,966,630 shares outstanding as of November 4, 2026.

Table of Contents

TriCo Bancshares

FORM 10-Q

TABLE OF CONTENTS

			Page
PART I – FINANCIAL INFORMATION			3
Item 1 – Financial Statements (Unaudited)			3
Item 2 – Management’s Discussion and Analysis of Financial Condition and Results of Operations			37
Item 3 – Quantitative and Qualitative Disclosures about Market Risk			58
Item 4 – Controls and Procedures			58
PART II – OTHER INFORMATION			59
Item 1 – Legal Proceedings			59
Item 1A – Risk Factors			59
Item 2 – Unregistered Sales of Equity Securities and Use of Proceeds			59
Item 5 – Other Information
Item 6 – Exhibits			60
Signatures			61

1

Table of Contents

GLOSSARY OF ACRONYMS AND TERMS

The following listing provides a comprehensive reference of common acronyms and terms used throughout the document:

ACL			Allowance for Credit Losses
AFS			Available-for-Sale
AOCI			Accumulated Other Comprehensive Income
ASC			Accounting Standards Codification
CDs			Certificates of Deposit
CDI			Core Deposit Intangible
CRE			Commercial Real Estate
CMO			Collateralized Mortgage Obligation
CODM			Chief Operating Decision Maker
DFPI			State Department of Financial Protection and Innovation
FASB			Financial Accounting Standards Board
FDIC			Federal Deposit Insurance Corporation
FHLB			Federal Home Loan Bank
FOMC			Federal Open Market Committee
FRB			Federal Reserve Board
FTE			Fully taxable equivalent
GAAP			Generally Accepted Accounting Principles (United States of America)
HELOC			Home equity line of credit
HTM			Held-to-Maturity
LIBOR			London Interbank Offered Rate
NIM			Net interest margin
NPA			Nonperforming assets
OCI			Other comprehensive income
PCD			Purchase Credit Deteriorated
PSU			Performance Restricted Stock Unit
ROUA			Right-of-Use Asset
RSU			Restricted Stock Unit
SBA			Small Business Administration
SERP			Supplemental Executive Retirement Plan
SFR			Single Family Residence
SOFR			Secured Overnight Financing Rate
XBRL			eXtensible Business Reporting Language

2

Table of Contents

PART I – FINANCIAL INFORMATION

Item 1.    Financial Statements (unaudited)

TRICO BANCSHARES

CONDENSED CONSOLIDATED BALANCE SHEETS

(In thousands, except share data; unaudited)

			September 30, 2026						December 31, 2025
Assets:
Cash and due from banks			$	89,855					$	92,914
Cash at Federal Reserve and other banks			105,836						64,100
Cash and cash equivalents			195,691						157,014
Investment securities:
Marketable equity securities			2,564						2,692
Available for sale debt securities, at fair value (amortized cost of $1,759,409 and $1,883,412)			1,537,237						1,731,931
Held to maturity debt securities, at amortized cost, net of allowance for credit losses of $0			76,216						90,544
Restricted equity securities			17,250						17,250
Loans held for sale			254						2,695
Loans			7,410,189						7,111,087
Allowance for credit losses			(128,155)						(125,762)
Total loans, net			7,282,034						6,985,325
Premises and equipment, net			69,743						69,724
Cash value of life insurance			134,588						137,253
Accrued interest receivable			32,898						33,652
Goodwill			304,442						304,442
Other intangible assets, net			3,248						4,471
Operating leases, right-of-use			23,645						25,505
Other assets			298,706						259,565
Total assets			$	9,978,516					$	9,822,063
Liabilities and Shareholders’ Equity:
Liabilities:
Deposits:
Noninterest-bearing demand			$	2,654,022					$	2,594,032
Interest-bearing			5,789,411						5,669,869
Total deposits			8,443,433						8,263,901
Accrued interest payable			7,943						8,795
Operating lease liability			25,243						27,278
Other liabilities			132,209						141,137
Other borrowings			—						11,713
Junior subordinated debt			41,238						41,238
Total liabilities			8,650,066						8,494,062
Commitments and contingencies (Note 9)
Shareholders’ equity:
Preferred stock, no par value: 1,000,000 shares authorized, zero issued and outstanding at September 30, 2026 and December 31, 2025			—						—
Common stock, no par value: 50,000,000 shares authorized; 31,966,630 and 32,334,974 issued and outstanding at September 30, 2026 and December 31, 2025, respectively			675,020						682,362
Retained earnings			797,826						740,244
Accumulated other comprehensive loss, net of tax			(144,396)						(94,605)
Total shareholders’ equity			1,328,450						1,328,001
Total liabilities and shareholders’ equity			$	9,978,516					$	9,822,063

See accompanying notes to unaudited condensed consolidated financial statements.

3

Table of Contents

TRICO BANCSHARES

CONDENSED CONSOLIDATED STATEMENTS OF INCOME

(In thousands, except per share data; unaudited)

			Three months ended September 30,												Nine months ended September 30,
			2026						2025						2026						2025
Interest and dividend income:
Loans, including fees			$	108,371					$	101,004					$	313,315					$	295,077
Investments:
Taxable securities			12,764						14,945						40,654						44,866
Tax exempt securities			862						872						2,593						2,635
Dividends			410						376						1,488						1,128
Interest bearing cash at Federal Reserve and other banks			1,701						2,790						4,871						6,719
Total interest and dividend income			124,108						119,987						362,921						350,425
Interest expense:
Deposits			26,866						29,201						79,454						86,104
Other borrowings			1						3						9						1,064
Junior subordinated debt			695						1,228						2,056						4,641
Total interest expense			27,562						30,432						81,519						91,809
Net interest income			96,546						89,555						281,402						258,616
(Benefit from) provision for credit losses			(1,881)						670						4,099						9,063
Net interest income after credit loss provision			98,427						88,885						277,303						249,553
Non-interest income:
Service charges and fees			14,274						13,751						41,432						40,079
Gain on sale of loans			394						327						1,276						1,174
Gain (loss) on sale or call of investment securities			—						(2,124)						17						(3,266)
Asset management and commission income			2,054						1,932						5,864						5,055
Increase in cash value of life insurance			880						871						2,571						2,533
Other			2,564						3,250						4,284						5,595
Total non-interest income			20,166						18,007						55,444						51,170
Non-interest expense:
Salaries and related benefits			38,808						37,729						113,925						112,870
Other			27,675						22,695						74,535						68,270
Total non-interest expense			66,483						60,424						188,460						181,140
Income before provision for income taxes			52,110						46,468						144,287						119,583
Provision for income taxes			14,143						12,449						38,466						31,659
Net income			$	37,967					$	34,019					$	105,821					$	87,924
Per share data:
Basic earnings per share			$	1.19					$	1.04					$	3.30					$	2.68
Diluted earnings per share			$	1.18					$	1.04					$	3.29					$	2.67
Dividends per share			$	0.36					$	0.36					$	1.08					$	1.02

CONDENSED CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME (LOSS)

(In thousands; unaudited)

			Three months ended September 30,												Nine months ended September 30,
			2026						2025						2026						2025
Net income			$	37,967					$	34,019					$	105,821					$	87,924
Other comprehensive income (loss), net of tax:
Unrealized (losses) gains on available for sale securities arising during the period			(42,607)						16,399						(49,791)						47,505
Change in minimum pension liability			—						—						—						—
Change in joint beneficiary agreements			—						—						—						—
Other comprehensive income (loss)			(42,607)						16,399						(49,791)						47,505
Comprehensive income (loss)			$	(4,640)					$	50,418					$	56,030					$	135,429

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, 2025			32,550,264						$	685,489					$	702,690					$	(121,356)					$	1,266,823
Net income															34,019												34,019
Other comprehensive income (loss)																					16,399						16,399
RSU vesting									874																		874
PSU vesting									411																		411
RSUs released			4,710																								—
PSUs released			7,911																								—
Repurchase of common stock			(56,005)						(1,180)						(1,324)												(2,504)
Dividends paid ($0.36 per share)															(11,717)												(11,717)
Three months ended September 30, 2025			32,506,880						$	685,594					$	723,668					$	(104,957)					$	1,304,305
Balance at July 1, 2026			31,965,507						$	674,014					$	771,368					$	(101,789)					$	1,343,593
Net income															37,967												37,967
Other comprehensive income (loss)																					(42,607)						(42,607)
RSU vesting									714																		714
PSU vesting									292																		292
RSUs released			1,123																								—
PSUs released			—																								—
Repurchase of common stock			—						—						—												—
Dividends paid ($0.36 per share)															(11,509)												(11,509)
Three months ended September 30, 2026			31,966,630						$	675,020					$	797,826					$	(144,396)					$	1,328,450

			Shares of Common Stock						Common Stock						Retained Earnings						Accumulated Other Comprehensive Income (Loss)						Total
Balance at January 1, 2025			32,970,425						$	693,462					$	679,907					$	(152,462)					$	1,220,907
Net income															87,924												87,924
Other comprehensive income (loss)																					47,505						47,505
RSU vesting									2,554																		2,554
PSU vesting									1,106																		1,106
RSUs released			75,845																								—
PSUs released			7,911																								—
Repurchase of common stock			(547,301)						(11,528)						(10,798)												(22,326)
Dividends paid ($1.02 per share)															(33,365)												(33,365)
Nine months ended September 30, 2025			32,506,880						685,594						723,668						(104,957)						1,304,305
Balance at January 1, 2026			32,334,974						$	682,362					$	740,244					$	(94,605)					$	1,328,001
Net income															105,821												105,821
Other comprehensive income (loss)																					(49,791)						(49,791)
RSU vesting									2,248																		2,248
PSU vesting									924																		924
RSUs released			80,666																								—
PSUs released			48,842																								—
Repurchase of common stock			(497,852)						(10,514)						(13,689)												(24,203)
Dividends paid ($1.08 per share)															(34,550)												(34,550)
Nine months ended September 30, 2026			31,966,630						$	675,020					$	797,826					$	(144,396)					$	1,328,450

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,
			2026						2025
Operating activities:
Net income			$	105,821					$	87,924
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation of premises and equipment, and amortization			4,946						4,674
Amortization of intangible assets			1,222						1,479
Provision for credit losses			4,099						9,063
Amortization of investment securities premium, net			324						1,434
(Loss) gain on sale of investment securities			(17)						3,266
Originations of loans for sale			(48,267)						(54,156)
Proceeds from sale of loans originated for sale			51,586						52,825
Gain on sale of loans			(1,276)						(1,174)
Change in fair market value of mortgage servicing rights			439						297
Provision for losses on foreclosed assets			188						—
Gain on sale of foreclosed assets			(72)						(3)
Change in the market value of foreclosed assets			—						3
Operating lease expense payments			(5,040)						(4,583)
(Gain) loss on disposal of fixed assets			51						111
Increase in cash value of life insurance			(2,571)						(2,533)
Gain on life insurance death benefit			(2,508)						(1,209)
(Gain) loss on marketable equity securities			128						(72)
Equity compensation vesting expense			3,172						3,660
Gain on extinguishment of junior subordinated debt			—						(2,504)
Change in:
Interest receivable			754						2,684
Interest payable			(852)						(3,260)
Amortization of operating lease ROUA			4,865						4,441
Other assets and liabilities, net			(17,003)						(3,534)
Net cash from operating activities			99,989						98,833
Investing activities:
Proceeds from maturities of securities available for sale			281,438						266,581
Proceeds from maturities of securities held to maturity			14,198						16,290
Proceeds from sale and calls of available for sale securities			4,480						58,512
Purchases of securities available for sale			(162,091)						(98,091)
Loan origination and principal collections, net			(304,135)						(249,761)
Proceeds from sale of other real estate owned			345						103
Proceeds from sale of premises and equipment			15						—
Purchases of premises and equipment			(4,628)						(4,585)
Proceeds from the payment of life insurance benefits			—						7,312
Net cash used by investing activities			(170,378)						(3,639)
Financing activities:
Net change in deposits			179,532						246,885
Net change in other borrowings			(11,713)						(72,571)
Repurchase of common stock			(24,203)						(22,326)
Dividends paid			(34,550)						(33,365)
Retirement of junior subordinated debt, net			—						(59,953)
Net cash from financing activities			109,066						58,670
Net change in cash and cash equivalents			38,677						153,864
Cash and cash equivalents, beginning of period			157,014						144,956
Cash and cash equivalents, end of period			$	195,691					$	298,820
See accompanying notes to unaudited condensed consolidated financial statements.

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Supplemental disclosure of noncash activities:
Unrealized (loss) gain on securities available for sale			$	(70,691)					$	67,443
Market value of shares tendered in-lieu of cash to pay for exercise of equity and/or related taxes			2,604						1,072
Obligations incurred in conjunction with leased assets			2,086						6,000
Loans transferred to foreclosed assets			3,602						2,747
Life insurance receivable			7,744						103
Supplemental disclosure of cash flow activity:
Cash paid for interest expense			$	82,371					$	95,069
Cash paid for income taxes			37,950						22,600

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 maintains two capital subsidiary business trusts (collectively, the “Capital Trusts”), both organized by the Company. For financial reporting purposes, the Company’s investments in the Capital Trusts of $1.2 million are accounted for under the equity method and, accordingly, are not consolidated and are included in other assets on the consolidated balance sheets.

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, 2025 (the “2025 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. While our Chief Executive Officer, the chief operating decision-maker (CODM), may monitor the revenue streams of the various products and services, operations are managed, financial performance is evaluated, and decisions are generally made on a Company-wide basis. Discrete financial information is not available other than on a Company-wide basis. Accordingly, operations are considered by management to be aggregated in one reportable operating segment.

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.

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.

Loans

Loans that Management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal amount outstanding, net of deferred loan fees and costs. Loan origination and commitment fees and certain direct loan origination costs are deferred, and the net amount is amortized as an adjustment to the related loan’s yield over the actual life of the loan. Loans on which the accrual of interest has been discontinued are designated as nonaccrual loans.

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. 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

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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 - 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, 2026 and December 31, 2025 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 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, 2026 and 2025, 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

The Company performs an ACL evaluation on its loan and lease portfolio and its HTM and AFS securities portfolios. The ACL on loan and lease portfolio and HTM securities are provided through an expected loss methodology referred to as CECL methodology. The ACL on AFS securities is provided when a credit loss is deemed to have occurred for securities which the Company does not intend to sell or is not required to sell. The CECL methodology also applies to credit exposures on off-balance-sheet loan commitments.

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.

The ACL consists of two primary components: (1) the determination of an ACL for loans that are individually identified and analyzed and (2) establishment of an ACL for loans collectively analyzed. To determine the collectively analyzed portion of the ACL, the Company identified various portfolio segments based on loan attributes such as, but not limited to; collateral type and loan purpose or use, to ensure loans with similar risk characteristics are measured on a collective basis. The Company utilizes three different loss model configurations and assigned each of the portfolio segments to one of the three loss model configurations. Historical credit loss experience for financial institutions nationwide, paired with relevant forecasts of macroeconomic conditions, forms the basis for the estimate of expected credit losses amongst the collectively analyzed loan portfolio. Further, each of the three loss model configurations utilized by the Company incorporate unique inputs, such as the following:

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(1) Commercial Real Estate: origination vintage, delinquency status, loan-to-value as of the origination date, stated maturity date, property type, and property status

(2) Commercial and Industrial: loan size, credit spread at origination, risk grade, business sector, and loan type

(3) Consumer: FICO, origination vintage, product type, and state geography if applicable

After quantitative considerations, management evaluates the need for additional qualitative adjustments that consider the expected impact of certain factors not fully captured in the quantitative and macroeconomic reserve calculations. These qualitative adjustments may apply to the collectively analyzed pool as a whole, one or more of the three loss models, or to one or more of the loan portfolio segments.

Purchased financial assets with a more-than-insignificant amount of credit deterioration since origination (“PCD assets”) that are measured at amortized cost, the initial allowance for credit losses is added to the purchase price rather than reported as a provision for credit losses. Subsequent changes in the allowance for credit losses on PCD assets are recognized through the provision for credit losses.

HTM Securities

For HTM debt securities, the Company measures expected credit losses on held-to-maturity debt securities on a collective basis by major security type, then further disaggregated by sector and bond rating. Accrued interest receivable on held-to-maturity (HTM) debt securities is excluded from the estimate of credit losses. The estimate of expected credit losses considers historical credit loss information that is adjusted for current condition and reasonable and supportable forecasts based on current and expected changes in credit ratings and default rates. Nearly all of the Company's HTM securities are issued by the U. S. Government entities or agencies, and based on the absence of any historical or expected losses, all qualify for a zero loss assumption. Therefore, no allowance for credit losses has been recognized during the nine months ended September 30, 2026 and 2025, respectively.

AFS Securities

The Company evaluates available for sale 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 months ended September 30, 2026 and 2025, respectively.

Unfunded commitments

The Company is required to include unfunded commitments that are expected to be funded in the future within the allowance for credit loss calculation, other than those that are unconditionally cancellable. To arrive at that reserve, the reserve percentage determined within the same three loss models described above is applied to the unused portion of the expected commitment balance and is multiplied by the expected funding rate. To determine the expected funding rate, the Company uses a historical utilization rate for each segment. The allowance for credit losses for off-balance-sheet credit risk exposures is reported in other liabilities in the condensed consolidated balance sheets.

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 2024-03: Disaggregation of Income Statement Expenses (DISE)

•Requires additional disclosure of the nature of expenses included in the income statement to be presented in a tabular format in the footnotes to the financial statements.

ASU 2024-03 is effective for annual periods beginning after December 15, 2026, and interim periods within fiscal years beginning after December 15, 2027. This standard is not expected to have a material impact on the Company’s 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, 2026
(in thousands)			Amortized Cost						Gross Unrealized Gains						Gross Unrealized Losses												Estimated Fair Value
Debt Securities Available for Sale
Obligations of U.S. government agencies			$	1,208,335					$	3					$	(159,175)											$	1,049,163
Obligations of states and political subdivisions			239,406						7						(37,643)												201,770
Corporate bonds			999						—						(10)												989
Asset backed securities			161,677						142						(847)												160,972
Non-agency collateralized mortgage obligations			148,992						—						(24,649)												124,343
Total debt securities available for sale			$	1,759,409					$	152					$	(222,324)											$	1,537,237
Debt Securities Held to Maturity
Obligations of U.S. government agencies			$	74,652					$	2					$	(5,337)											69,317
Obligations of states and political subdivisions			1,564						—						(128)												1,436
Total debt securities held to maturity			$	76,216					$	2					$	(5,465)											$	70,753

			December 31, 2025
(in thousands)			Amortized Cost						Gross Unrealized Gains						Gross Unrealized Losses												Estimated Fair Value
Debt Securities Available for Sale
Obligations of U.S. government agencies			$	1,174,813					$	1,600					$	(112,385)											$	1,064,028
Obligations of states and political subdivisions			240,199						110						(19,623)												220,686
Corporate bonds			4,981						3						(26)												4,958
Asset backed securities			270,817						131						(1,428)												269,520
Non-agency collateralized mortgage obligations			192,602						209						(20,072)												172,739
Total debt securities available for sale			$	1,883,412					$	2,053					$	(153,534)											$	1,731,931
Debt Securities Held to Maturity
Obligations of U.S. government agencies			$	88,980					$	5					$	(3,552)											$	85,433
Obligations of states and political subdivisions			1,564						—						(10)												1,554
Total debt securities held to maturity			$	90,544					$	5					$	(3,562)											$	86,987

There were no sales or calls of available for sale investment securities during the three months ended September 30, 2026. Proceeds from the sale or call of available for sale investment securities totaled $28.5 million for the three months ended September 30, 2025, which resulted in gross realized losses of $2.1 million. Proceeds from the sale or call of available for sale investment securities totaled $4.5 million and $58.5 million for the nine months ended September 30, 2026 and 2025, respectively, resulting in gross realized gains of $17.0 thousand and losses of $3.3 million, respectively.

Investment securities with an aggregate carrying value of $735.4 million and $839.6 million at September 30, 2026 and December 31, 2025, 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, 2026 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, 2026, obligations of the U.S. government and agencies with a cost basis totaling $1.2 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 the U.S. government and agencies is categorized based on final maturity date. At September 30, 2026, the Company estimates the average remaining life of these mortgage-backed securities issued by U.S. government corporations and agencies to be approximately 5.6 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, 2026, 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						$	5,662											$	5,604					$	3					$	3
Due after one year through five years			94,022						88,221						2,305						2,202
Due after five years through ten years			249,996						217,044						73,168						67,876
Due after ten years			1,409,729						1,226,368						740						672
Totals			$	1,759,409					$	1,537,237					$	76,216					$	70,753

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, 2026, 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, 2026 or December 31, 2025.

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, 2026:			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			$	248,807					$	(13,997)					$	799,935					$	(145,178)					$	1,048,742					$	(159,175)
Obligations of states and political subdivisions			29,981						(2,935)						170,914						(34,708)						200,895						(37,643)
Corporate bonds			989						(10)						—						—						989						(10)
Asset backed securities			23,419						(85)						52,328						(762)						75,747						(847)
Non-agency collateralized mortgage obligations			10,171						(103)						114,172						(24,546)						124,343						(24,649)
Total debt securities available for sale			$	313,367					$	(17,130)					$	1,137,349					$	(205,194)					$	1,450,716					$	(222,324)
Debt Securities Held to Maturity
Obligations of U.S. government agencies			$	—					$	—					$	69,238					$	(5,337)					$	69,238					$	(5,337)
Obligations of states and political subdivisions			1,436						(128)						—						—						1,436						(128)
Total debt securities held to maturity			$	1,436					$	(128)					$	69,238					$	(5,337)					$	70,674					$	(5,465)

The following securities had unrealized losses as of September 30, 2026:

•Obligations of U.S. government corporations and agencies included 185 debt securities with aggregate depreciation of 13.2% from the Company’s amortized cost basis.

•Obligations of states and political subdivisions included 150 debt securities with aggregate depreciation of 15.8% from the Company’s amortized cost basis.

•Corporate bonds included 2 debt securities with aggregate depreciation of 1.0% from the Company’s amortized cost basis.

•Asset backed securities included 17 debt securities with aggregate depreciation of 1.1% from the Company’s amortized cost basis.

•Non-agency collateralized mortgage obligations included 14 debt securities with aggregate depreciation of 16.5% from the Company’s amortized cost basis.

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, 2026, 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. As such, the unrealized losses on these securities were caused by the changes in market interest rates or the widening of market spreads subsequent to the initial purchase of these securities and are not due to the underlying credit of the issuers.

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December 31, 2025:			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			$	39,263					$	(133)					$	916,500					$	(112,252)					$	955,763					$	(112,385)
Obligations of states and political subdivisions			2,874						(106)						201,382						(19,517)						204,256						(19,623)
Corporate bonds			495						(5)						2,229						(21)						2,724						(26)
Asset backed securities			94,965						(161)						70,084						(1,267)						165,049						(1,428)
Non-agency collateralized mortgage obligations			10,524						(1)						131,873						(20,071)						142,397						(20,072)
Total debt securities available for sale			$	148,121					$	(406)					$	1,322,068					$	(153,128)					$	1,470,189					$	(153,534)
Debt Securities Held to Maturity
Obligations of U.S. government agencies			$	—					$	—					$	85,273					$	(3,552)					$	85,273					$	(3,552)
Obligations of states and political subdivisions			—						—						1,555						(10)						1,555						(10)
Total debt securities held to maturity			$	—					$	—					$	86,828					$	(3,562)					$	86,828					$	(3,562)

The Company monitors credit quality of debt securities held-to-maturity through the use of credit ratings. 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, 2026												December 31, 2025
(in thousands)			AAA/AA/A						BBB/BB/B						AAA/AA/A						BBB/BB/B
Obligations of U.S. government agencies			$	74,652					$	—					$	88,980					$	—
Obligations of states and political subdivisions			1,564						—						1,564						—
Total debt securities held to maturity			$	76,216					$	—					$	90,544					$	—

Note 3 – Loans

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

(in thousands)			September 30, 2026						December 31, 2025
Commercial real estate:
CRE non-owner occupied			$	2,595,643					$	2,495,849
CRE owner occupied			1,028,697						1,020,770
Multifamily			1,143,821						1,085,698
Farmland			242,639						251,445
Total commercial real estate loans			5,010,800						4,853,762
Consumer:
SFR 1-4 1st DT liens			828,752						842,169
SFR HELOCs and junior liens			447,663						431,772
Other			30,705						40,669
Total consumer loans			1,307,120						1,314,610
Commercial and industrial			595,205						464,428
Construction			336,299						301,045
Agriculture production			157,343						172,494
Leases			3,422						4,748
Total loans, net of deferred loan fees and discounts			$	7,410,189					$	7,111,087
Total principal balance of loans owed, net of charge-offs			$	7,438,079					$	7,141,911
Unamortized net deferred loan fees			(16,099)						(15,896)
Discounts to principal balance of loans owed, net of charge-offs			(11,791)						(14,928)
Total loans, net of unamortized deferred loan fees and discounts			$	7,410,189					$	7,111,087
Allowance for credit losses on loans			$	(128,155)					$	(125,762)

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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, 2026
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending  Balance
Commercial real estate:
CRE non-owner occupied			$	42,183											$	—					$	—					$	(1,057)					$	41,126
CRE owner occupied			16,048												—						1						(1,353)						14,696
Multifamily			16,688												—						—						(891)						15,797
Farmland			4,741												—						—						(282)						4,459
Total commercial real estate loans			79,660												—						1						(3,583)						76,078
Consumer:
SFR 1-4 1st DT liens			10,451												—						—						282						10,733
SFR HELOCs and junior liens			12,872												—						2						658						13,532
Other			1,646												(157)						32						(118)						1,403
Total consumer loans			24,969												(157)						34						822						25,668
Commercial and industrial			13,487												(674)						127						243						13,183
Construction			8,451												—						—						698						9,149
Agriculture production			3,602												—						368						91						4,061
Leases			18												—						—						(2)						16
Allowance for credit losses on loans			130,187												(831)						530						(1,731)						128,155
Reserve for unfunded commitments			8,170												—						—						(150)						8,020
Total			$	138,357											$	(831)					$	530					$	(1,881)					$	136,175

			Allowance for credit losses – Nine months ended September 30, 2026
(in thousands)			Beginning Balance						Charge-offs						Recoveries						Provision (benefit)						Ending  Balance
Commercial real estate:
CRE non-owner occupied			$	40,300					$	—					$	1					$	825					$	41,126
CRE owner occupied			12,712						—						2						1,982						14,696
Multifamily			17,327						—						—						(1,530)						15,797
Farmland			5,193						—						—						(734)						4,459
Total commercial real estate loans			75,532						—						3						543						76,078
Consumer:
SFR 1-4 1st DT liens			11,045						—						—						(312)						10,733
SFR HELOCs and junior liens			13,264						(75)						51						292						13,532
Other			1,974						(611)						133						(93)						1,403
Total consumer loans			26,283						(686)						184						(113)						25,668
Commercial and industrial			11,430						(1,442)						201						2,994						13,183
Construction			8,231						(70)						—						988						9,149
Agriculture production			4,265						—						379						(583)						4,061
Leases			21						—						—						(5)						16
Allowance for credit losses on loans			125,762						(2,198)						767						3,824						128,155
Reserve for unfunded commitments			7,745						—						—						275						8,020
Total			$	133,507					$	(2,198)					$	767					$	4,099					$	136,175

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The Company consistently seeks to refine its estimation methodology for determining the allowance for credit losses, the effects of which were insignificant during the current period, and are expected to be insignificant in future periods. Management continues to estimate the appropriate level of reserves using all relevant information, from both internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. Management believes the primary risks inherent in the portfolio are a general decline in the economy or GDP, a decline in real estate market values, rising unemployment, increasing vacancy rates, and increases inflation or interest rates in the absence of economic improvement or any other such factors. Any one or a combination of these events may adversely affect a borrower's ability to repay its loan, resulting in increased delinquencies and loan losses. Although Management believes the Company has established and maintained the ACL on loans at appropriate levels, changes in reserves may be necessary if actual economic and other conditions differ substantially from the forecast used in estimating the ACL.

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, 2025
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending Balance
Commercial real estate:
CRE non-owner occupied			$	37,229											$	—					$	2					$	3,069					$	40,300
CRE owner occupied			15,747												—						1						(3,036)						12,712
Multifamily			15,913												—						—						1,414						17,327
Farmland			3,960												(1,053)						—						2,286						5,193
Total commercial real estate loans			72,849												(1,053)						3						3,733						75,532
Consumer:
SFR 1-4 1st DT liens			14,227												—						6						(3,188)						11,045
SFR HELOCs and junior liens			10,411												—						26						2,827						13,264
Other			2,825												(649)						138						(340)						1,974
Total consumer loans			27,463												(649)						170						(701)						26,283
Commercial and industrial			14,397												(9,338)						291						6,080						11,430
Construction			7,224												—						—						1,007						8,231
Agriculture production			3,403												(11)						665						208						4,265
Leases			30												—						—						(9)						21
Allowance for credit losses on loans			125,366												(11,051)						1,129						10,318						125,762
Reserve for unfunded commitments			6,000												—						—						1,745						7,745
Total			$	131,366											$	(11,051)					$	1,129					$	12,063					$	133,507

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			Allowance for credit losses – Three months ended September 30, 2025
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending Balance
Commercial real estate:
CRE non-owner occupied			$	40,921											$	—					$	—					$	258					$	41,179
CRE owner occupied			11,578												—						—						352						11,930
Multifamily			15,097												—						—						609						15,706
Farmland			6,888												—						—						(686)						6,202
Total commercial real estate loans			74,484												—						—						533						75,017
Consumer:
SFR 1-4 1st DT liens			11,135												—						—						(113)						11,022
SFR HELOCs and junior liens			12,021												—						4						337						12,362
Other			2,162												(142)						30						314						2,364
Total consumer loans			25,318												(142)						34						538						25,748
Commercial and industrial			10,024												(595)						89						(429)						9,089
Construction			10,995												—						—						(203)						10,792
Agriculture production			3,609												—						—						292						3,901
Leases			25												—						—						(1)						24
Allowance for credit losses on loans			124,455												(737)						123						730						124,571
Reserve for unfunded commitments			7,205												—						—						(60)						7,145
Total			$	131,660											$	(737)					$	123					$	670					$	131,716

			Allowance for credit losses – Nine months ended September 30, 2025
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending Balance
Commercial real estate:
CRE non-owner occupied			$	37,229											$	—					$	—					$	3,950					$	41,179
CRE owner occupied			15,747												—						1						(3,818)						11,930
Multifamily			15,913												—						—						(207)						15,706
Farmland			3,960												—						—						2,242						6,202
Total commercial real estate loans			72,849												—						1						2,167						75,017
Consumer:
SFR 1-4 1st DT liens			14,227												—						—						(3,205)						11,022
SFR HELOCs and junior liens			10,411												—						20						1,931						12,362
Other			2,825												(459)						103						(105)						2,364
Total consumer loans			27,463												(459)						123						(1,379)						25,748
Commercial and industrial			14,397												(9,236)						255						3,673						9,089
Construction			7,224												—						—						3,568						10,792
Agriculture production			3,403												(11)						614						(105)						3,901
Leases			30												—						—						(6)						24
Allowance for credit losses on loans			125,366												(9,706)						993						7,918						124,571
Reserve for unfunded commitments			6,000												—						—						1,145						7,145
Total			$	131,366											$	(9,706)					$	993					$	9,063					$	131,716

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, 2026																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2026						2025						2024						2023						2022						Prior
Commercial real estate:
CRE non-owner occupied risk ratings
Pass			$	295,648					$	252,763					$	158,249					$	141,918					$	395,198					$	1,165,521					$	125,455					$	—					$	2,534,752
Special Mention			—						—						806						14,245						2,273						25,968						1,125						—						44,417
Substandard			—						—						1,311						—						3,609						9,614						1,940						—						16,474
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	295,648					$	252,763					$	160,366					$	156,163					$	401,080					$	1,201,103					$	128,520					$	—					$	2,595,643
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
CRE owner occupied risk ratings
Pass			$	82,097					$	141,393					$	80,042					$	72,377					$	167,105					$	400,385					$	36,807					$	—					$	980,206
Special Mention			—						4,839						133						1,001						280						4,530						5,188						—						15,971
Substandard			—						3,675						—						—						10,145						18,327						373						—						32,520
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	82,097					$	149,907					$	80,175					$	73,378					$	177,530					$	423,242					$	42,368					$	—					$	1,028,697
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

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			Term Loans Amortized Cost Basis by Origination Year – As of September 30, 2026																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2026						2025						2024						2023						2022						Prior
Commercial real estate:
Multifamily risk ratings
Pass			$	75,655					$	93,480					$	75,766					$	53,253					$	207,814					$	589,236					$	42,227					$	—					$	1,137,431
Special Mention			—						—						—						—						—						2,552						—						—						2,552
Substandard			—						—						—						—						3,407						431						—						—						3,838
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	75,655					$	93,480					$	75,766					$	53,253					$	211,221					$	592,219					$	42,227					$	—					$	1,143,821
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
Farmland risk ratings
Pass			$	16,850					$	8,764					$	21,962					$	17,629					$	33,025					$	50,795					$	34,128					$	—					$	183,153
Special Mention			—						611						—						—						1,938						2,817						475						—						5,841
Substandard			—						—						—						1,264						9,150						31,742						11,489						—						53,645
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	16,850					$	9,375					$	21,962					$	18,893					$	44,113					$	85,354					$	46,092					$	—					$	242,639
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Consumer loans:
SFR 1-4 1st DT liens risk ratings
Pass			$	89,079					$	72,279					$	38,896					$	73,513					$	142,094					$	389,670					$	—					$	7,143					$	812,674
Special Mention			—						—						1,207						—						258						4,878						—						136						6,479
Substandard			—						—						—						510						266						8,638						—						185						9,599
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	89,079					$	72,279					$	40,103					$	74,023					$	142,618					$	403,186					$	—					$	7,464					$	828,752
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Consumer loans:
SFR HELOCs and junior liens risk ratings
Pass			$	3,420					$	1,591					$	—					$	—					$	—					$	41					$	425,121					$	6,715					$	436,888
Special Mention			—						—						—						—						—						—						4,265						51						4,316
Substandard			—						—						—						—						—						—						6,128						331						6,459
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	3,420					$	1,591					$	—					$	—					$	—					$	41					$	435,514					$	7,097					$	447,663
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	75					$	—					$	75

Consumer loans:
Other risk ratings
Pass			$	3,431					$	1,030					$	3,502					$	9,971					$	2,994					$	7,943					$	455					$	—					$	29,326
Special Mention			—						70						81						137						—						80						13						—						381
Substandard			—						—						312						305						42						338						1						—						998
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	3,431					$	1,100					$	3,895					$	10,413					$	3,036					$	8,361					$	469					$	—					$	30,705
Year-to-date gross charge-offs			$	111					$	228					$	37					$	141					$	19					$	58					$	17					$	—					$	611

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			Term Loans Amortized Cost Basis by Origination Year – As of September 30, 2026																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2026						2025						2024						2023						2022						Prior
Commercial and industrial loans:
Commercial and industrial risk ratings
Pass			$	97,224					$	92,879					$	40,783					$	30,676					$	40,670					$	40,649					$	238,990					$	18					$	581,889
Special Mention			210						619						165						863						439						159						4,036						—						6,491
Substandard			21						192						339						79						738						2,692						2,699						65						6,825
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	97,455					$	93,690					$	41,287					$	31,618					$	41,847					$	43,500					$	245,725					$	83					$	595,205
Year-to-date gross charge-offs			$	171					$	161					$	—					$	19					$	—					$	34					$	1,033					$	24					$	1,442

Construction loans:
Construction risk ratings
Pass			$	63,286					$	111,117					$	103,001					$	34,590					$	6,628					$	17,245					$	—					$	—					$	335,867
Special Mention			334						—						—						—						—						—						—						—						334
Substandard			—						—						—						—						—						98						—						—						98
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	63,620					$	111,117					$	103,001					$	34,590					$	6,628					$	17,343					$	—					$	—					$	336,299
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	70					$	—					$	—					$	70

Agriculture production loans:
Agriculture production risk ratings
Pass			$	6,823					$	1,647					$	559					$	670					$	582					$	6,350					$	134,576					$	—					$	151,207
Special Mention			—						—						—						—						—						—						5,947						—						5,947
Substandard			—						—						—						—						83						106						—						—						189
Doubtful/Loss			—						—						—						—						—						—						—												—
Total			$	6,823					$	1,647					$	559					$	670					$	665					$	6,456					$	140,523					$	—					$	157,343
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Leases:
Lease risk ratings
Pass			$	3,422					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	3,422
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	3,422					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	3,422
Year-to-date gross charge-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Total loans outstanding:
Risk ratings
Pass			$	736,935					$	776,943					$	522,760					$	434,597					$	996,110					$	2,667,835					$	1,037,759					$	13,876					$	7,186,815
Special Mention			544						6,139						2,392						16,246						5,188						40,984						21,049						187						92,729
Substandard			21						3,867						1,962						2,158						27,440						71,986						22,630						581						130,645
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	737,500					$	786,949					$	527,114					$	453,001					$	1,028,738					$	2,780,805					$	1,081,438					$	14,644					$	7,410,189
Year-to-date gross charge-offs			$	282					$	389					$	37					$	160					$	19					$	162					$	1,125					$	24					$	2,198

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			Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2025																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2025						2024						2023						2022						2021						Prior
Commercial real estate:
CRE non-owner occupied risk ratings
Pass			$	262,241					$	188,789					$	162,739					$	417,564					$	276,975					$	1,007,772					$	140,006					$	—					$	2,456,086
Special Mention			—						818						12,692						1,634						4,566						3,182						105						—						22,997
Substandard			—						—						—						1,728						—						15,038						—						—						16,766
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	262,241					$	189,607					$	175,431					$	420,926					$	281,541					$	1,025,992					$	140,111					$	—					$	2,495,849
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
CRE owner occupied risk ratings
Pass			$	147,249					$	79,772					$	76,729					$	177,644					$	168,858					$	301,503					$	33,540					$	—					$	985,295
Special Mention			8,636						135						361						1,045						237						5,148						5,184						—						20,746
Substandard			—						—						—						7,244						3,176						4,140						169						—						14,729
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	155,885					$	79,907					$	77,090					$	185,933					$	172,271					$	310,791					$	38,893					$	—					$	1,020,770
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
Multifamily risk ratings
Pass			$	92,061					$	68,472					$	27,502					$	185,703					$	288,556					$	358,396					$	48,246					$	—					$	1,068,936
Special Mention			—						—						—						3,044						443						202						—						—						3,689
Substandard			—						—						—						435						—						12,638						—						—						13,073
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	92,061					$	68,472					$	27,502					$	189,182					$	288,999					$	371,236					$	48,246					$	—					$	1,085,698
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Commercial real estate:
Farmland risk ratings
Pass			$	8,901					$	23,038					$	18,261					$	34,581					$	14,831					$	49,450					$	35,723					$	—					$	184,785
Special Mention			624						—						—						1,937						2,618						2,462						1,978						—						9,619
Substandard			—						—						816						9,414						20,263						13,252						13,296						—						57,041
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	9,525					$	23,038					$	19,077					$	45,932					$	37,712					$	65,164					$	50,997					$	—					$	251,445
Period end gross write-offs			$	—					$	—					$	—					$	—					$	509					$	—					$	544					$	—					$	1,053

Consumer loans:
SFR 1-4 1st DT liens risk ratings
Pass			$	81,083					$	45,517					$	87,492					$	159,382					$	218,999					$	225,410					$	—					$	5,688					$	823,571
Special Mention			—						1,091						—						581						4,642						1,918						—						406						8,638
Substandard			—						—						219						284						3,313						5,618						—						526						9,960
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	81,083					$	46,608					$	87,711					$	160,247					$	226,954					$	232,946					$	—					$	6,620					$	842,169
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

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			Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2025																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2025						2024						2023						2022						2021						Prior
Consumer loans:
SFR HELOCs and junior liens risk ratings
Pass			$	2,116					$	—					$	—					$	—					$	—					$	53					$	408,407					$	5,407					$	415,983
Special Mention			—						—						—						—						—						—						9,482						377						9,859
Substandard			—						—						—						—						—						—						5,604						326						5,930
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	2,116					$	—					$	—					$	—					$	—					$	53					$	423,493					$	6,110					$	431,772
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Consumer loans:
Other risk ratings
Pass			$	4,222					$	4,795					$	13,717					$	4,010					$	4,094					$	7,489					$	540					$	—					$	38,867
Special Mention			77						12						202						1						251						153						43						—						739
Substandard			—						69						256						303						190						242						3						—						1,063
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	4,299					$	4,876					$	14,175					$	4,314					$	4,535					$	7,884					$	586					$	—					$	40,669
Period end gross write-offs			$	481					$	65					$	15					$	—					$	—					$	69					$	19					$	—					$	649

Commercial and industrial loans:
Commercial and industrial risk ratings
Pass			$	122,819					$	44,904					$	35,360					$	52,018					$	16,922					$	6,046					$	170,194					$	73					$	448,336
Special Mention			50						234						2,810						707						—						37						5,330						—						9,168
Substandard			—						310						96						618						2,816						342						2,695						47						6,924
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	122,869					$	45,448					$	38,266					$	53,343					$	19,738					$	6,425					$	178,219					$	120					$	464,428
Period end gross write-offs			$	510					$	95					$	—					$	—					$	58					$	—					$	8,675					$	—					$	9,338

Construction loans:
Construction risk ratings
Pass			$	45,182					$	84,196					$	104,482					$	44,172					$	7,021					$	13,108					$	—					$	—					$	298,161
Special Mention			372						—						1,862						—						—						—						—						—						2,234
Substandard			—						—						—						—						529						121						—						—						650
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	45,554					$	84,196					$	106,344					$	44,172					$	7,550					$	13,229					$	—					$	—					$	301,045
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Agriculture production loans:
Agriculture production risk ratings
Pass			$	1,816					$	727					$	1,029					$	1,409					$	393					$	7,282					$	137,121					$	—					$	149,777
Special Mention			—						—						—						—						—						—						22,079						—						22,079
Substandard			—						—						—						114						237						135						152						—						638
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	1,816					$	727					$	1,029					$	1,523					$	630					$	7,417					$	159,352					$	—					$	172,494
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	11					$	—					$	—					$	11

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			Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2025																																				Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
(in thousands)			2025						2024						2023						2022						2021						Prior
Leases:
Lease risk ratings
Pass			$	4,748					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	4,748
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	4,748					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	4,748
Period end gross write-offs			$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

Total loans outstanding:
Risk ratings
Pass			$	772,438					$	540,210					$	527,311					$	1,076,483					$	996,649					$	1,976,509					$	973,777					$	11,168					$	6,874,545
Special Mention			9,759						2,290						17,927						8,949						12,757						13,102						44,201						783						109,768
Substandard			—						379						1,387						20,140						30,524						51,526						21,919						899						126,774
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total			$	782,197					$	542,879					$	546,625					$	1,105,572					$	1,039,930					$	2,041,137					$	1,039,897					$	12,850					$	7,111,087
Period end gross write-offs			$	991					$	160					$	15					$	—					$	567					$	80					$	9,238					$	—					$	11,051

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, 2026
(in thousands)			30-59 days						60-89 days						> 90 days						Total Past Due Loans						Current						Total
Commercial real estate:
CRE non-owner occupied			$	3,936					$	1,843					$	612					$	6,391					$	2,589,252					$	2,595,643
CRE owner occupied			3,475						3,636						5,448						12,559						1,016,138						1,028,697
Multifamily			—						1,518						—						1,518						1,142,303						1,143,821
Farmland			1,578						—						4,673						6,251						236,388						242,639
Total commercial real estate loans			8,989						6,997						10,733						26,719						4,984,081						5,010,800
Consumer:
SFR 1-4 1st DT liens			589						1,120						2,973						4,682						824,070						828,752
SFR HELOCs and junior liens			3,820						676						2,647						7,143						440,520						447,663
Other			225						87						508						820						29,885						30,705
Total consumer loans			4,634						1,883						6,128						12,645						1,294,475						1,307,120
Commercial and industrial			1,598						692						3,674						5,964						589,241						595,205
Construction			—						—						—						—						336,299						336,299
Agriculture production			—						640						—						640						156,703						157,343
Leases			—						—						256						256						3,166						3,422
Total			$	15,221					$	10,212					$	20,791					$	46,224					$	7,363,965					$	7,410,189

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			Analysis of Past Due Loans - As of December 31, 2025
(in thousands)			30-59 days						60-89 days						> 90 days						Total Past Due Loans						Current						Total
Commercial real estate:
CRE non-owner occupied			$	1,599					$	1,728					$	3,692					$	7,019					$	2,488,830					$	2,495,849
CRE owner occupied			3,261						—						2,189						5,450						1,015,320						1,020,770
Multifamily			687						147						—						834						1,084,864						1,085,698
Farmland			—						—						10,937						10,937						240,508						251,445
Total commercial real estate loans			5,547						1,875						16,818						24,240						4,829,522						4,853,762
Consumer:
SFR 1-4 1st DT liens			832						1,968						1,697						4,497						837,672						842,169
SFR HELOCs and junior liens			516						1,305						1,843						3,664						428,108						431,772
Other			183						19						387						589						40,080						40,669
Total consumer loans			1,531						3,292						3,927						8,750						1,305,860						1,314,610
Commercial and industrial			1,619						522						1,629						3,770						460,658						464,428
Construction			—						—						603						603						300,442						301,045
Agriculture production			—						88						480						568						171,926						172,494
Leases			—						—						—						—						4,748						4,748
Total			$	8,697					$	5,777					$	23,457					$	37,931					$	7,073,156					$	7,111,087

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, 2026																		As of December 31, 2025
(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			$	6,003					$	6,003					$	—					$	7,089					$	7,089					$	—
CRE owner occupied			11,694						18,680						—						7,733						7,733						—
Multifamily			838						838						—						435						435						—
Farmland			20,307						24,838						—						26,840						31,615						—
Total commercial real estate loans			38,842						50,359						—						42,097						46,872						—
Consumer:
SFR 1-4 1st DT liens			7,712						7,712						—						6,246						6,246						—
SFR HELOCs and junior liens			4,704						4,945						—						5,192						5,474						—
Other			278						819						—						80						459						—
Total consumer loans			12,694						13,476						—						11,518						12,179						—
Commercial and industrial			793						4,590						666						1,228						3,976						36
Construction			98						98						—						650						650						—
Agriculture production			69						127						—						435						460						45
Leases			—						256						—						—						—						—
Sub-total			52,496						68,906						666						55,928						64,137						81
Less: Guaranteed loans			(1,210)						(1,729)						—						(1,667)						(1,688)						—
Total, net			$	51,286					$	67,177					$	666					$	54,261					$	62,449					$	81

Interest income on non accrual loans that would have been recognized during the three months ended September 30, 2026 and 2025, if all such loans had been current in accordance with their original terms, totaled $1.1 million and $0.2 million, respectively. Interest income actually recognized on these originated loans during the three months ended September 30, 2026 and 2025 was $0.2 million and $0.1 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, 2026
(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			$	3,183					$	479					$	—					$	2,341					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	6,003
CRE owner occupied			15,656						1,321						—						1,703						—						—						—						—						—						—						—						18,680
Multifamily			—						—						—						—						838						—						—						—						—						—						—						838
Farmland			—						—						—						—						—						24,838						—						—						—						—						—						24,838
Total commercial real estate loans			18,839						1,800						—						4,044						838						24,838						—						—						—						—						—						50,359
Consumer:
SFR 1-4 1st DT liens			—						—						—						—						—						—						7,712						—						—						—						—						7,712
SFR HELOCs and junior liens			—						—						—						—						—						—						1,181						3,590						—						—						—						4,771
Other			—						—						—						—						—						—						—						—						819						—						—						819
Total consumer loans			—						—						—						—						—						—						8,893						3,590						819						—						—						13,302
Commercial and industrial			—						—						—						—						—						—						—						—						63						2,329						2,198						4,590
Construction			—						—						—						—						—						—						98						—						—						—						—						98
Agriculture production			—						—						—						43						—						—						—						—						—						17						66						126
Leases			—						—						—						—						—						—						—						—						—						—						—						—
Total			$	18,839					$	1,800					$	—					$	4,087					$	838					$	24,838					$	8,991					$	3,590					$	882					$	2,346					$	2,264					$	68,475

			As of December 31, 2025
(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			$	2,892					$	3,195					$	—					$	1,002					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	7,089
CRE owner occupied			4,564						1,432						—						1,737						—						—						—						—						—						—						—						7,733
Multifamily			—						—						—						—						435						—						—						—						—						—						—						435
Farmland			—						—						—						—						—						31,615						—						—						—						—						—						31,615
Total commercial real estate loans			7,456						4,627						—						2,739						435						31,615						—						—						—						—						—						46,872
Consumer:
SFR 1-4 1st DT liens			—						—						—						—						—						—						6,246						—						—						—						—						6,246
SFR HELOCs and junior liens			—						—						—						—						—						—						1,579						3,687						—						—						—						5,266
Other			—						—						—						—						—						—						—						—						456						—						—						456
Total consumer loans			—						—						—						—						—						—						7,825						3,687						456						—						—						11,968
Commercial and industrial			—						—						—						—						—						—						—						—						—						1,477						2,499						3,976
Construction			—						—						—						529						—						—						121						—						—						—						—						650
Agriculture production			—						—						—						153						—						—						—						—						—						25						282						460
Leases			—						—						—						—						—						—						—						—						—						—						—						—
Total			$	7,456					$	4,627					$	—					$	3,421					$	435					$	31,615					$	7,946					$	3,687					$	456					$	1,502					$	2,781					$	63,926

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

During the three and nine months ended September 30, 2026 and September 30, 2025, respectively, there were no significant loan modifications made to borrowers experiencing financial difficulty. During the three and nine months ended September 30, 2026 and September 30, 2025, 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.

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.

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)			2026						2025						2026						2025
Operating lease cost			$	1,558					$	1,483					$	4,697					$	4,301
Short-term lease cost			82						68						183						163
Variable lease income			(4)						(5)						(15)						(21)
Total lease cost			$	1,636					$	1,546					$	4,865					$	4,443

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)			2026						2025						2026						2025
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows for operating leases			$	1,692					$	1,587					$	5,040					$	4,583
ROUA obtained in exchange for operating lease liabilities			$	1,308					$	4,994					$	2,086					$	6,000

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

			September 30,
			2026						2025
Weighted-average remaining lease term (years)			6.8						7.7
Weighted-average discount rate			3.92		%				3.79		%

At September 30, 2026, future expected operating lease payments are as follows:

(in thousands)
Periods ending December 31,
2026			$	1,622
2027			6,188
2028			4,966
2029			3,469
2030			2,751
Thereafter			9,940
			28,936
Discount for present value of expected cash flows			(3,693)
Lease liability at September 30, 2026			$	25,243

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Note 6 - Deposits

A summary of the balances of deposits follows:

(in thousands)			September 30, 2026						December 31, 2025
Noninterest-bearing demand			$	2,654,022					$	2,594,032
Interest-bearing demand			1,856,895						1,784,769
Savings			2,800,823						2,775,058
Time certificates, $250,000 or more			503,677						484,858
Other time certificates			628,016						625,184
Total deposits			$	8,443,433					$	8,263,901

Certificate of deposit balances totaling $100.0 million from the State of California were included in time certificates, $250,000 or more, at September 30, 2026 and December 31, 2025, 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 $2.5 million and $2.7 million were classified as consumer loans at September 30, 2026 and December 31, 2025, respectively.

Note 7 - Other Borrowings

A summary of the balances of other borrowings follows:

(in thousands)			September 30, 2026						December 31, 2025
Other collateralized borrowings, fixed rate, as of December 31, 2025 of 0.05%, payable on January 1, 2026			$	—					$	11,713

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, 2026												As of December 31, 2025
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		%				7.06		%				$	20,619					$	20,619
TriCo Cap Trust II						7/23/2034						20,619						2.55		%				6.56		%				20,619						20,619
												$	41,238																	$	41,238					$	41,238

Note 9 - Commitments and Contingencies

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

(in thousands)			September 30, 2026						December 31, 2025
Financial instruments whose amounts represent risk:
Commitments to extend credit:
Commercial loans			$	881,569					$	814,732
Consumer loans			621,562						598,264
Real estate mortgage loans			432,611						432,608
Real estate construction loans			302,766						334,130
Standby letters of credit			40,818						38,986
Deposit account overdraft privilege			125,030						125,317

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. 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 1.5014 per Class B-2 share. As of September 30, 2026, the value of the Class A shares was $359.33 per share. Utilizing the conversion ratio, the value of unredeemed

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Class A equivalent shares owned by the Bank was $3.6 million as of September 30, 2026, and has not been reflected in the accompanying consolidated financial statements.

Note 10 - Shareholders’ Equity

Dividends Paid

The Bank paid to the Company cash dividends in the aggregate amounts of $12.8 million and $72.4 million during the three months ended September 30, 2026 and 2025, respectively, and during the equivalent nine month periods paid $59.5 million and $112.9 million, 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

The Company's Board of Directors has approved the authorization to repurchase up to 2.0 million shares of the Company's common stock (the 2025 Repurchase Plan or the 2025 Program). The Company’s 2025 Repurchase Plan replaces and supersedes the 2021 Share Repurchase Program which has been terminated as of December 31, 2025. 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 2025 Program is subject to change. The 2025 Program has no expiration date but the Board may suspend or discontinue the program at any time.

During the three months ended September 30, 2026, the Company repurchased zero shares. During the nine months ended September 30, 2026, the Company repurchased 447,211 shares with a market value totaling $21.6 million under the 2025 Program. There were no shares repurchased in 2025 under the 2025 Program, however, during the three and nine months ended September 30, 2025 the Company purchased 52,106 and 521,738 shares with market values of $2.3 million and $21.3 million under the 2021 Share Repurchase Program. As of September 30, 2026, approximately 1,553,000 shares remain authorized for repurchase.

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. There were no option exercises during the three and nine months ended September 30, 2026 and 2025, respectively. Employees tendered zero and 3,899 shares in connection with the tax withholding requirements of other share-based awards during the three months ended September 30, 2026 and 2025, respectively, and 50,641 and 25,563 shares during the nine months then ended, respectively. In total, shares of the Company's common stock tendered had market values of zero and $0.2 million during the quarters ended September 30, 2026 and 2025, respectively, and $2.6 million and $1.1 million during the respective nine month periods. 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 2025 Program.

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. While no new awards can be granted under the 2019 Plan, existing grants continue to be governed by the terms, conditions and procedures set forth in any applicable award agreement.

There were no stock options outstanding as of September 30, 2026 and December 31, 2025.

Activity related to restricted stock unit awards during the nine months ended September 30, 2026 is summarized in the following table:

			Service Condition Vesting RSUs						Market Plus Service Condition Vesting RSUs
Outstanding at January 1, 2026			141,089						145,485
RSUs granted			65,327						45,800
RSUs added through dividend and performance credits			2,617						4,156
RSUs released			(80,666)						(48,842)
RSUs forfeited			(4,520)						(6,877)
Outstanding at September 30, 2026			123,847						139,722

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The 123,847 of service condition vesting RSUs outstanding as of September 30, 2026 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 123,847 of service condition vesting RSUs outstanding as of September 30, 2026 are expected to vest, and be released, on a weighted-average basis, over the next 1.79 years. The Company expects to recognize $3.7 million of pre-tax compensation costs related to these service condition vesting RSUs between September 30, 2026 and their vesting dates. The Company did not modify any service condition vesting RSUs during the nine months ended September 30, 2026 or 2025.

The 139,722 of market plus service condition vesting RSUs outstanding as of September 30, 2026 are expected to vest, and be released, on a weighted-average basis, over the next 2.06 years. The Company expects to recognize $2.1 million of pre-tax compensation costs related to these RSUs between September 30, 2026 and their vesting dates. As of September 30, 2026, 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 209,583 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, 2026 or 2025.

Note 12 - Non-interest Income and Expense

The following tables summarize the Company’s non-interest income for the periods indicated:

			Three months ended September 30,												Nine months ended September 30,
(in thousands)			2026						2025						2026						2025
ATM and interchange fees			$	6,725					$	6,493					$	19,765					$	19,189
Service charges on deposit accounts			5,713						5,448						16,375						15,551
Other service fees			1,449						1,485						4,465						4,329
Mortgage banking service fees			420						430						1,266						1,307
Change in value of mortgage servicing rights			(33)						(105)						(439)						(297)
Total service charges and fees			14,274						13,751						41,432						40,079
Increase in cash value of life insurance			880						871						2,571						2,533
Asset management and commission income			2,054						1,932						5,864						5,055
Gain on sale of loans			394						327						1,276						1,174
Lease brokerage income			42						82						187						198
Sale of customer checks			299						311						982						974
Gain (loss) on sale or exchange of investment securities			—						(2,124)						17						(3,266)
Gain (loss) on marketable equity securities			(100)						26						(128)						73
Other			2,323						2,831						3,243						4,350
Total other non-interest income			5,892						4,256						14,012						11,091
Total non-interest income			$	20,166					$	18,007					$	55,444					$	51,170

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The following tables summarize the Company’s non-interest expense for the periods indicated:

			Three months ended September 30,												Nine months ended September 30,
(in thousands)			2026						2025						2026						2025
Base salaries, net of deferred loan origination costs			$	25,660					$	25,340					$	75,379					$	76,498
Incentive compensation			6,510						5,351						17,766						14,612
Benefits and other compensation costs			6,638						7,038						20,780						21,760
Total salaries and benefits expense			38,808						37,729						113,925						112,870
Occupancy			4,704						4,388						13,523						12,665
Data processing and software			5,570						4,838						16,296						14,855
Equipment			1,471						1,269						4,126						3,742
Intangible amortization			362						482						1,222						1,479
Advertising			878						647						2,442						2,659
ATM and POS network charges			2,076						1,911						5,795						5,605
Professional fees			1,414						1,842						4,644						5,027
Telecommunications			440						503						1,359						1,504
Regulatory assessments and insurance			1,311						1,282						3,916						3,862
Merger and acquisition expense			3,870						—						4,720						—
Postage			370						353						1,123						1,058
Operational losses			662						544						1,449						1,238
Courier service			628						577						1,724						1,609
Loss (gain) on sale or acquisition of foreclosed assets			(72)						—						(72)						(3)
Loss (gain) on disposal of fixed assets			66						21						51						111
Other miscellaneous expense			3,925						4,038						12,217						12,859
Total other non-interest expense			27,675						22,695						74,535						68,270
Total non-interest expense			$	66,483					$	60,424					$	188,460					$	181,140

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 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 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,												Nine months ended September 30,
(in thousands)			2026						2025						2026						2025
Net income			$	37,967					$	34,019					$	105,821					$	87,924
Weighted average number of common shares outstanding			31,966						32,542						32,028						32,749
Effect of dilutive stock options and restricted stock			152						181						176						180
Weighted average number of common shares outstanding used to calculate diluted earnings per share			32,118						32,723						32,204						32,929
Options excluded from diluted earnings per share because of their antidilutive effect			—						—						—						—

Note 14 – Comprehensive (Loss) Income

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 AOCI, such items, along with net income, are components of OCI.

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The components of OCI and related tax effects are as follows:

			Three months ended September 30,												Nine months ended September 30,
(in thousands)			2026						2025						2026						2025
Unrealized holding (losses) gains on available for sale securities before reclassifications			$	(60,491)					$	21,158					$	(70,674)					$	64,177
Amounts reclassified out of AOCI:
Realized gain (loss) on debt securities			—						2,124						(17)						3,266
Total amounts reclassified out of accumulated other comprehensive loss			—						2,124						(17)						3,266
Unrealized holding (losses) gains on available for sale securities after reclassifications			(60,491)						23,282						(70,691)						67,443
Tax effect			17,884						(6,883)						20,900						(19,938)
Unrealized holding (losses) gains on available for sale securities, net of tax			(42,607)						16,399						(49,791)						47,505
Change in unfunded status of the supplemental retirement plans before reclassifications			173						165						521						493
Amounts reclassified out of AOCI:
Amortization of actuarial losses			(173)						(165)						(521)						(493)
Total amounts reclassified out of accumulated other comprehensive loss			(173)						(165)						(521)						(493)
Total other comprehensive (loss) income			$	(42,607)					$	16,399					$	(49,791)					$	47,505

The components of AOCI, included in shareholders’ equity, are as follows:

(in thousands)			September 30, 2026						December 31, 2025
Net unrealized loss on available for sale securities			$	(222,172)					$	(151,481)
Tax effect			65,683						44,783
Unrealized holding loss on available for sale securities, net of tax			(156,489)						(106,698)
Unfunded status of the supplemental retirement plans			16,129						16,129
Tax effect			(4,768)						(4,768)
Unfunded status of the supplemental retirement plans, net of tax			11,361						11,361
Joint beneficiary agreement liability			732						732
Tax effect			—						—
Joint beneficiary agreement liability, net of tax			732						732
Accumulated other comprehensive loss			$	(144,396)					$	(94,605)

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.

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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.

Collateral dependent 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 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, 2026			Total						Level 1						Level 2						Level 3
Marketable equity securities			$	2,564					$	2,564					$	—					$	—
Debt securities available for sale:
Obligations of U.S. government and agencies			1,049,163						—						1,049,163						—
Obligations of states and political subdivisions			201,770						—						201,770						—
Corporate bonds			989						—						989						—
Asset backed securities			160,972						—						160,972						—
Non-agency mortgage backed securities			124,343						—						124,343						—
Loans held for sale			254						—						254						—
Mortgage servicing rights			6,599						—						—						6,599
Total assets measured at fair value			$	1,546,654					$	2,564					$	1,537,491					$	6,599

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Fair value at December 31, 2025			Total						Level 1						Level 2						Level 3
Marketable equity securities			$	2,692					$	2,692					$	—					$	—
Debt securities available for sale:
Obligations of U.S. government and agencies			1,064,028						—						1,064,028						—
Obligations of states and political subdivisions			220,686						—						220,686						—
Corporate bonds			4,958						—						4,958						—
Asset backed securities			269,520						—						269,520						—
Non-agency mortgage backed securities			172,739						—						172,739						—
Loans held for sale			2,695						—						2,695						—
Mortgage servicing rights			6,640						—						—						6,640
Total assets measured at fair value			$	1,743,958					$	2,692					$	1,734,626					$	6,640

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, 2026 or September 30, 2025, 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
2026: Mortgage servicing rights			$	6,502					—						$	(33)					$	130					$	6,599
2025: Mortgage servicing rights			$	6,763					—						$	(104)					$	99					$	6,758

Nine months ended September 30,			Beginning Balance						Transfers into (out of) Level 3						Change Included in Earnings						Issuances						Ending Balance
2026: Mortgage servicing rights			$	6,640					—						$	(439)					$	398					$	6,599
2025: Mortgage servicing rights			$	6,626					—						$	(297)					$	429					$	6,758

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, 2026 and December 31, 2025:

As of September 30, 2026:

Fair Value (in thousands)

Valuation Technique

Unobservable Inputs

Range, Weighted Average

Mortgage Servicing Rights

$

6,599

Discounted cash flow

Constant prepayment rate

5% - 13%; 6.8%

Discount rate

10% - 14%; 12%

As of December 31, 2025:

Mortgage Servicing Rights

$

6,640

Discounted cash flow

Constant prepayment rate

6% - 12.0%; 7.0%

Discount rate

10% - 14%; 12%

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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, 2026			Total						Level 1						Level 2						Level 3
Fair value:
Collateral dependent loans			$	13,394					—						—						$	13,394
Foreclosed assets			2,882						—						—						2,882
Total assets measured at fair value			$	16,276					—						—						$	16,276

December 31, 2025			Total						Level 1						Level 2						Level 3
Fair value:
Collateral dependent loans			$	7,545					—						—						$	7,545
Foreclosed assets			3,562						—						—						3,562
Total assets measured at fair value			$	11,107					—						—						$	11,107

The tables below present the net (losses) gains 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,
			2026						2025						2026						2025
Collateral dependent loans			$	(535)					$	(442)					$	(331)					$	(7,940)
Foreclosed assets			—						—						(188)						(3)
Total losses from non-recurring measurements			$	(535)					$	(442)					$	(519)					$	(7,943)

The collateral dependent loan amounts above represent 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 amounts 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 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.

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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, 2026:

September 30, 2026

Fair Value (in thousands)

Valuation Technique

Unobservable Inputs

Range, Weighted Average

Collateral dependent loans

$

13,394

Sales comparison approach Income approach

Adjustment for differences between comparable sales; Capitalization rate

Not meaningful N/A

Foreclosed assets (Multifamily)

$

2,713

Sales comparison approach

Adjustment for differences between comparable sales;

Not meaningful N/A

Foreclosed assets (SFR)

$

169

Sales comparison approach

Adjustment for differences between comparable sales;

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, 2025:

December 31, 2025

Fair Value (in thousands)

Valuation Technique

Unobservable Inputs

Range, Weighted Average

Collateral dependent loans

$

7,545

Sales comparison approach Income approach

Adjustment for differences between comparable sales; Capitalization rate

Not meaningful N/A

Foreclosed assets (Farmland)

$

2,928

Sales comparison approach

Adjustment for differences between comparable sales

Not meaningful N/A

Foreclosed assets (SFR)

$

634

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, 2026												December 31, 2025
(in thousands)			Carrying Amount						Fair Value						Carrying Amount						Fair Value
Financial assets:
Level 1 inputs:
Cash and due from banks			$	89,855					$	89,855					$	92,914					$	92,914
Cash at Federal Reserve and other banks			105,836						105,836						64,100						64,100
Level 2 inputs:
Securities held to maturity			76,216						70,753						90,544						86,987
Level 3 inputs:
Loans, net			7,282,034						7,134,209						6,985,325						6,803,008
Financial liabilities:
Level 2 inputs:
Demand, money market, and savings deposits			7,311,740						7,311,740						7,153,859						7,153,859
Time deposits			1,131,693						1,125,808						1,110,042						1,109,820
Other borrowings			—						—						11,713						11,713
Level 3 inputs:
Junior subordinated debt			41,238						39,791						41,238						40,673

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

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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, 2026 and December 31, 2025 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, 2026 and December 31, 2025 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, 2026:			Amount						Ratio						Amount						Ratio						Amount						Ratio
			(dollars in thousands)
Total Capital (to Risk Weighted Assets):
Consolidated			$	1,312,934					15.12		%				$	911,576					10.50		%				N/A						N/A
Tri Counties Bank			$	1,308,469					15.07		%				$	911,428					10.50		%				$	868,027					10.00		%
Tier 1 Capital (to Risk Weighted Assets):
Consolidated			$	1,204,056					13.87		%				$	737,943					8.50		%				N/A						N/A
Tri Counties Bank			$	1,199,624					13.82		%				$	737,823					8.50		%				$	694,421					8.00		%
Common equity Tier 1 Capital (to Risk Weighted Assets):
Consolidated			$	1,164,056					13.41		%				$	607,717					7.00		%				N/A						N/A
Tri Counties Bank			$	1,199,624					13.82		%				$	607,619					7.00		%				$	564,217					6.50		%
Tier 1 Capital (to Average Assets):
Consolidated			$	1,204,056					12.23		%				$	393,740					4.00		%				N/A						N/A
Tri Counties Bank			$	1,199,624					12.19		%				$	393,717					4.00		%				$	492,147					5.00		%

			Actual																		Required for Capital Adequacy Purposes												Required to be Considered Well Capitalized
As of December 31, 2025:			Amount						Ratio																		Amount						Ratio						Amount						Ratio
			(dollars in thousands)
Total Capital (to Risk Weighted Assets):
Consolidated			$	1,256,506					15.05		%																$	876,852					10.50		%				N/A						N/A
Tri Counties Bank			$	1,250,620					14.98		%																$	876,708					10.50		%				$	834,960					10.00		%
Tier 1 Capital (to Risk Weighted Assets):
Consolidated			$	1,151,744					13.79		%																$	709,832					8.50		%				N/A						N/A
Tri Counties Bank			$	1,145,890					13.72		%																$	709,716					8.50		%				$	667,968					8.00		%
Common equity Tier 1 Capital (to Risk Weighted Assets):
Consolidated			$	1,111,744					13.31		%																$	584,568					7.00		%				N/A						N/A
Tri Counties Bank			$	1,145,890					13.72		%																$	584,472					7.00		%				$	542,724					6.50		%
Tier 1 Capital (to Average Assets):
Consolidated			$	1,151,744					11.84		%																$	389,131					4.00		%				N/A						N/A
Tri Counties Bank			$	1,145,890					11.78		%																$	388,982					4.00		%				$	486,227					5.00		%

As of September 30, 2026 and December 31, 2025, capital levels at the Company and the Bank exceed all capital adequacy requirements under the Basel III Capital Rules. Also, at September 30, 2026 and December 31, 2025, 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 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, 2026, the Company and the Bank are in compliance with the capital conservation buffer requirement.

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Note 17 – Segment Information

The Company's reportable segment is determined by the Chief Executive Officer, who is designated as the CODM, based upon information provided about the Company's products and services offered, primary banking operations. Segment performance is evaluated using consolidated net income. Information reported internally for performance assessment by the CODM follows, inclusive of reconciliations of the banking segment totals to the financial statements.

						Three months ended September 30,												Nine months ended September 30,
(in thousands)						2026						2025						2026						2025
Interest income						$	124,108					$	119,987					$	362,921					$	350,425
Reconciliation of revenue:
Other revenues						20,166						18,007						55,444						51,170
Total consolidated revenues						144,274						137,994						418,365						401,595
Less:
Interest expense						27,562						30,432						81,519						91,809
Segment net interest income and noninterest income						116,712						107,562						336,846						309,786
Less:
(Benefit from) provision for credit losses						(1,881)						670						4,099						9,063
Salaries and benefits expense						38,808						37,729						113,925						112,870
Other banking segment items						27,675						22,695						74,535						68,270
Provision for income taxes						14,143						12,449						38,466						31,659
Segment net income/consolidated net income						$	37,967					$	34,019					$	105,821					$	87,924
						As of September 30,
						2026						2025
Reconciliation of assets:
Total assets for reportable segment						$	9,978,516					$	9,878,836
Other assets						—						—
Total consolidated assets						$	9,978,516					$	9,878,836

Note 18 — Pending Merger

On July 12, 2026, TriCo entered into an Agreement and Plan of Reorganization and Merger (the “merger agreement”) with First Hawaiian, Inc., a Delaware corporation (“First Hawaiian”) and Horizon Merger Sub, Inc., a California corporation and wholly owned subsidiary of First Hawaiian (“Merger Sub”). The merger agreement provides that, upon the terms and subject to the conditions set forth therein, Merger Sub will merge with and into TriCo (the “merger”), with TriCo surviving the merger (the “Surviving Corporation”), and immediately following the merger, the Surviving Corporation will merge with and into First Hawaiian (the “second step merger,” and together with the merger, the “mergers”), with First Hawaiian continuing as the surviving entity in the second step merger. Promptly following the second step merger, Tri Counties Bank will merge with and into First Hawaiian’s wholly owned bank subsidiary, First Hawaiian Bank (the “bank merger”), with First Hawaiian Bank surviving the bank merger. The merger agreement was unanimously approved and adopted by the board of directors of each of TriCo, FHI and Merger Sub.

Subject to the terms and conditions of the merger agreement, at the effective time of the merger (the “effective time”), each share of TriCo common stock outstanding immediately prior to the effective time, other than shares owned, directly or indirectly, by TriCo, First Hawaiian or any of their respective subsidiaries, will be converted into the right to receive 2.095 shares of common stock, par value $0.01 per share, of First Hawaiian. Holders of TriCo’s common stock will receive cash in lieu of fractional shares. Upon closing of the transaction, First Hawaiian and TriCo shareholders are expected to own approximately 65% and 35%, respectively, of the combined company.

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The transaction is expected to close by the end of 2026, subject to the receipt of required regulatory approvals and the satisfaction of customary closing conditions. A summary of the terms of the merger agreement and other related agreements are summarized in, and the merger agreement has been filed as an exhibit to, the Current Report on Form 8-K filed by the Company with the Securities and Exchange Commission on July 15, 2026.

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 current expectations and beliefs of the Company ("TriCo") concerning future developments and their potential effects on TriCo including, among others, statements regarding the expected timing, completion and effects of the proposed business combination transaction between First Hawaiian, Inc and its subsidiaries (including First Hawaiian Bank) ("FHI") and TriCo (the "Transaction"). Such statements involve inherent risks and uncertainties, many of which are difficult to predict and are generally beyond the control of TriCo. TriCo cautions 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: changes in general economic, political, or industry conditions, and in conditions impacting the banking industry specifically; uncertainty in U.S. fiscal, monetary and trade policy, including the interest rate policies of the Federal Reserve Board or the effects of any declines in housing and commercial real estate prices, high or increasing unemployment rates, continued or renewed inflation, the impact of proposed or imposed tariffs by the U.S. government or retaliatory tariffs proposed or imposed by U.S. trading partners that could have an adverse impact on customers or any recession or slowdown in economic growth particularly in the markets in which TriCo and FHI conduct business, including California, Hawaii, Guam and Saipan; volatility and disruptions in global capital and credit markets; the impact of bank failures or adverse developments at other banks on general investor sentiment regarding the stability and liquidity of banks; changes in interest rates that could significantly reduce net interest income and negatively affect asset yields and valuations and funding sources, including impacts on prepayment speeds; competitive pressures among financial institutions and nontraditional providers of financial services, including on product pricing and services; concentrations within TriCo's or FHI’s loan portfolio (including commercial real estate loans) or other asset classes, and the parties’ ability to attract and retain customer deposits, large loans to certain borrowers, access liquidity and capital, and manage deposit costs and funding sources; the success, impact, and timing of TriCo's and FHI’s respective business strategies, including market acceptance of any new products or services and TriCo's and FHI’s ability to successfully implement strategic, operational, technology and integration initiatives; the failure to properly use and protect customer and employee information and data; cybersecurity risks (such as TriCo's 2023 cyber security ransomware incident), including the occurrence of fraudulent activity or a material breach of, or disruption to, the security of FHI’s, TriCo’s or their vendors’ systems; risks related to the development, implementation, use and management of artificial intelligence and other emerging technologies; the effects of failures or interruptions of information, communications or third-party service-provider systems; the nature, extent, timing, and results of governmental actions, examinations, reviews, reforms, regulations, and interpretations; changes in laws or regulations; adverse weather conditions, natural disasters and other catastrophic events such as wildfires; the challenges of attracting, integrating and retaining key employees, especially while the Transaction is pending; the occurrence of any event, change or other circumstances that could give rise to the right of one or both of the parties to terminate the merger agreement to which TriCo and FHI are parties; the outcome of any legal proceedings that have been or may in the future be instituted against TriCo or FHI, including litigation relating to the Transaction; delays in completing the Transaction; the failure to obtain necessary regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the Transaction); the failure to obtain stockholder or shareholder approvals, as applicable, or to satisfy any of the other conditions to the closing of the Transaction on a timely basis or at all; changes in TriCo's or FHI’s share price before closing, including as a result of the financial performance of the other party prior to closing, or more generally due to broader stock market movements, and the performance of financial companies and peer group companies; the possibility that the anticipated benefits of the Transaction are not realized when expected or at all, including as a result of the impact of, or problems arising from, the integration of the two companies or as a result of the strength of the economy and competitive factors in the areas where TriCo and FHI do business; certain restrictions during the pendency of the proposed Transaction that may impact the parties’ ability to pursue certain business opportunities or strategic transactions; the possibility that the Transaction may be more expensive to complete than anticipated, including as a result of unexpected factors or events; diversion of management’s attention from ongoing business operations and opportunities; potential adverse reactions or changes to business or employee relationships, including those resulting from the announcement or completion of the Transaction; the ability to complete the Transaction and integration of TriCo and FHI promptly and successfully; the dilution caused by FHI’s issuance of additional shares of its capital stock in connection with the Transaction; potential judgments, orders, settlements, penalties, fines and reputational damage resulting from pending or future litigation and regulatory investigations, proceedings and enforcement actions; each company's ability to manage the risks involved in the foregoing; and other factors that may affect the future results of TriCo and FHI. The foregoing factors should not be considered an exhaustive list and should be read together with the other cautionary statements set forth in TriCo’s Annual Report on Form 10-K for the year ended December 31, 2025 and its latest Quarterly Report on Form 10-Q, which are on file with the Securities and Exchange Commission (the "SEC") and available on TriCo’s website, in the “Investor Relations” section of TriCo's website, www.tcbk.com, under the “About” tab and the “Investor Relations” link and then under the heading “SEC Filings” and in other documents TriCo files with the SEC, and in FHI’s Annual Report on Form 10-K for the year ended December 31, 2025 and its latest Quarterly Report on Form 10-Q, which are on file with the SEC and available on FHI’s investor relations website, https://ir.fhb.com, under the heading “SEC Filings,” and in other documents FHI files with the SEC. If one or more events related to these or other risks or uncertainties materialize, or if our underlying assumptions prove to be incorrect, actual results may differ materially from what we anticipate. Accordingly, you should not place undue reliance on any such forward-looking statements. Annualized, pro forma, projections and estimates are not forecasts and may not reflect actual results. Neither TriCo nor FHI undertakes any obligation to update any forward-looking statement, whether as a result of new information, future developments or otherwise, except as required by applicable law.

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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.

Recent Developments

On July 12, 2026, TriCo entered into an Agreement and Plan of Reorganization and Merger (the “merger agreement”) with First Hawaiian, Inc., a Delaware corporation (“First Hawaiian”) and Horizon Merger Sub, Inc., a California corporation and wholly owned subsidiary of First Hawaiian (“Merger Sub”). The merger agreement provides that, upon the terms and subject to the conditions set forth therein, Merger Sub will merge with and into TriCo (the “merger”), with TriCo surviving the merger (the “Surviving Corporation”), and immediately following the merger, the Surviving Corporation will merge with and into First Hawaiian (the “second step merger,” and together with the merger, the “mergers”), with First Hawaiian continuing as the surviving entity in the second step merger. Promptly following the second step merger, Tri Counties Bank will merge with and into First Hawaiian’s wholly owned bank subsidiary, First Hawaiian Bank (the “bank merger”), with First Hawaiian Bank surviving the bank merger. The merger agreement was unanimously approved and adopted by the board of directors of each of TriCo, FHI and Merger Sub.

Subject to the terms and conditions of the merger agreement, at the effective time of the merger (the “effective time”), each share of TriCo common stock outstanding immediately prior to the effective time, other than shares owned, directly or indirectly, by TriCo, First Hawaiian or any of their respective subsidiaries, will be converted into the right to receive 2.095 shares of common stock, par value $0.01 per share, of First Hawaiian. Holders of TriCo’s common stock will receive cash in lieu of fractional shares. Upon closing of the transaction, First Hawaiian and TriCo shareholders are expected to own approximately 65% and 35%, respectively, of the combined company.

The transaction is expected to close by the end of 2026, subject to the receipt of required regulatory approvals and the satisfaction of customary closing conditions. A summary of the terms of the merger agreement and other related agreements are summarized in, and the merger agreement has been filed as an exhibit to, the Current Report on Form 8-K filed by the Company with the Securities and Exchange Commission on July 15, 2026.

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 credit 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, 2025.

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.

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Financial Highlights

Performance highlights and other developments for the Company as of or for the three and nine months ended September 30, 2026, included the following:

•Net income was $38.0 million or $1.18 per diluted share as compared to $34.2 million or $1.06 per diluted share in the trailing quarter, and an increase of $3.8 million or 11.1% from the trailing quarter

•Net interest income (FTE) was $96.8 million, an increase of $2.9 million or 3.1% over the trailing quarter; net interest margin (FTE) was 4.16%, an increase of 5 basis points over 4.11% in the trailing quarter

•Loan balances increased $99.1 million or 5.4% (annualized) from the trailing quarter and increased $403.4 million or 5.8% from the same quarter of the prior year

•Deposit balances increased $74.6 million or 3.6% (annualized) from the trailing quarter and $109.0 million or 1.3% from the same quarter of the prior year

•Quarterly average non-interest bearing deposits grew by 3.2% year over year and represented 31.0% of total average deposits while non-interest bearing deposits as of quarter end represented 31.4% of total deposits

•Yield on average earning assets was 5.35%, an increase of 4 basis points over the 5.31% in the trailing quarter; yield on average loans was 5.87%, an increase of 2 basis points over the 5.85% in the trailing quarter

•The average cost of total deposits was 1.26%, a decrease of 1 basis point as compared to 1.27% in the trailing quarter, and a decrease of 13 basis points from 1.39% in the same quarter of the prior year

•For the quarter ended September 30, 2026, the Company’s return on average assets was 1.50%, while the return on average equity was 11.08%; for the trailing quarter ended June 30, 2026, the Company’s return on average assets was 1.37%, while the return on average equity was 10.15%

•The loan to deposit ratio was 87.76% as of September 30, 2026, as compared to 87.36% for the trailing quarter end

•The efficiency ratio was 56.96% for the quarter ended September 30, 2026, as compared to 56.25% for the trailing quarter, inclusive of $3.8 million in merger related expenses during the current quarter, versus $0.9 million in the trailing quarter

•The benefit from credit losses totaled $1.9 million during the quarter ended September 30, 2026, as compared to $2.7 million in provision recorded during the trailing quarter

•The allowance for credit losses (ACL) to total loans was 1.73% as of September 30, 2026, compared to 1.78% as of the trailing quarter end, and 1.78% as of September 30, 2025. Non-performing assets to total assets were 0.79% on September 30, 2026, as compared to 0.76% as of June 30, 2026, and 0.72% on September 30, 2025

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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,
			2026						2025						2026						2025
Net interest income			$	96,546					$	89,555					$	281,402					$	258,616
Benefit from (provision for) credit losses			1,881						(670)						(4,099)						(9,063)
Non-interest income			20,166						18,007						55,444						51,170
Non-interest expense			(66,483)						(60,424)						(188,460)						(181,140)
Provision for income taxes			(14,143)						(12,449)						(38,466)						(31,659)
Net income			$	37,967					$	34,019					$	105,821					$	87,924
Per Share Data:
Basic earnings per share			$	1.19					$	1.04					$	3.30					$	2.68
Diluted earnings per share			$	1.18					$	1.04					$	3.29					$	2.67
Dividends paid			$	0.36					$	0.36					$	1.08					$	1.02
Book value at period end															$	41.56					$	40.12
Weighted average common shares outstanding			31,966						32,542						32,028						32,749
Weighted average diluted common shares outstanding			32,118						32,723						32,204						32,929
Shares outstanding at period end															31,967						32,507
At period end:
Loans															$	7,410,189					$	7,006,824
Total investment securities															$	1,633,267					$	1,856,133
Total assets															$	9,978,516					$	9,878,836
Total deposits															$	8,443,433					$	8,334,461
Other borrowings															$	—					$	17,039
Shareholders’ equity															$	1,328,450					$	1,304,305
Financial Ratios:
During the period:
Return on average assets (annualized)			1.50		%				1.36		%				1.42		%				1.20		%
Return on average equity (annualized)			11.08		%				10.47		%				10.44		%				9.24		%
Net interest margin(1) (annualized)			4.16		%				3.92		%				4.12		%				3.84		%
Efficiency ratio			56.96		%				56.18		%				55.95		%				58.47		%
Average equity to average assets			13.56		%				13.02		%				13.59		%				12.94		%
At end of period:
Equity to assets															13.31		%				13.20		%
Total capital to risk-adjusted assets															15.12		%				15.11		%

(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 unaudited 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 interest income for the periods indicated.

			Three months ended
(in thousands)			September 30, 2026						June 30, 2026						Change						% Change
Interest income			$	124,108					$	120,986					$	3,122					2.6		%
Interest expense			(27,562)						(27,356)						(206)						0.8		%
Fully tax-equivalent adjustment (FTE) (1)			259						259						—						—		%
Net interest income (FTE)			$	96,805					$	93,889					$	2,916					3.1		%
Net interest margin (FTE)			4.16		%				4.11		%
Acquired loans discount accretion, net:
Amount (included in interest income)			$	1,177					$	990					$	187					18.9		%
Net interest margin less effect of acquired loan discount accretion(1)			4.11		%				4.07		%				0.04		%

			Three months ended September 30,
(in thousands)			2026						2025						Change						% Change
Interest income			$	124,108					$	119,987					$	4,121					3.4		%
Interest expense			(27,562)						(30,432)						2,870						(9.4)		%
Fully tax-equivalent adjustment (FTE) (1)			259						262						(3)						(1.1)		%
Net interest income (FTE)			$	96,805					$	89,817					$	6,988					7.8		%
Net interest margin (FTE)			4.16		%				3.92		%
Acquired loans discount accretion, net:
Amount (included in interest income)			$	1,177					$	996					$	181					18.2		%
Net interest margin less effect of acquired loan discount accretion(1)			4.11		%				3.88		%				0.23		%

			Nine months ended September 30,
(in thousands)			2026						2025						Change						% Change
Interest income			$	362,921					$	350,425					$	12,496					3.6		%
Interest expense			(81,519)						(91,809)						10,290						(11.2)		%
Fully tax-equivalent adjustment (FTE) (1)			778						791						(13)						(1.6)		%
Net interest income (FTE)			$	282,180					$	259,407					$	22,773					8.8		%
Net interest margin (FTE)			4.12		%				3.84		%
Acquired loans discount accretion, net:
Amount (included in interest income)			$	3,553					$	4,238					$	(685)					(16.2)		%
Net interest margin less effect of acquired loan discount accretion(1)			4.06		%				3.78		%				0.28		%

(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, 2026, June 30, 2026 and September 30, 2025, the purchased loan discount accretion was $1.2 million, $1.0 million and $1.0 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,
			2026																		2025
			Average Balance						Interest Income/ Expense						Rates Earned /Paid						Average Balance						Interest Income/ Expense						Rates Earned /Paid
Assets:
Loans			$	7,324,950					$	108,371					5.87		%				$	6,971,860					$	101,004					5.75		%
Investment securities - taxable			1,588,747						13,174						3.29		%				1,737,273						15,321						3.50		%
Investment securities - nontaxable(1)			129,496						1,121						3.43		%				132,121						1,134						3.41		%
Total investments			1,718,243						14,295						3.30		%				1,869,394						16,455						3.49		%
Cash at Federal Reserve and other banks			180,729						1,701						3.73		%				249,646						2,790						4.43		%
Total interest-earning assets			9,223,922						124,367						5.35		%				9,090,900						120,249						5.25		%
Other assets			806,910																		809,775
Total assets			$	10,030,832																	$	9,900,675
Liabilities and shareholders’ equity:
Interest-bearing demand deposits			$	1,930,435					$	7,236					1.49		%				$	1,850,733					$	6,649					1.43		%
Savings deposits			2,784,139						10,704						1.53		%				2,855,750						12,965						1.80		%
Time deposits			1,131,017						8,926						3.13		%				1,107,646						9,587						3.43		%
Total interest-bearing deposits			5,845,591						26,866						1.82		%				5,814,129						29,201						1.99		%
Other borrowings			10,102						1						0.04		%				17,495						3						0.07		%
Junior subordinated debt			41,238						695						6.69		%				71,477						1,228						6.82		%
Total interest-bearing liabilities			5,896,931						27,562						1.85		%				5,903,101						30,432						2.05		%
Noninterest-bearing deposits			2,630,165																		2,547,471
Other liabilities			143,870																		160,568
Shareholders’ equity			1,359,866																		1,289,535
Total liabilities and shareholders’ equity			$	10,030,832																	$	9,900,675
Net interest spread(2)															3.50		%																3.20		%
Net interest income and interest margin(3)									$	96,805					4.16		%										$	89,817					3.92		%

(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, 2026, increased $7.0 million or 7.8% to $96.8 million compared to $89.8 million during the three months ended September 30, 2025. Net interest margin totaled 4.16% for the three months ended September 30, 2026, an increase of 24 basis points from the same quarter in 2025. The primary drivers behind the change in net interest margin is related to an increase in average loan balances, improving interest income by $5.1 million, coupled with a decline in yields paid on interest-bearing deposits improving net interest income by $2.3 million, with yields paid declining by 17 basis points between the quarter ended September 30, 2026, and the same quarter of the prior year. The accretion of discounts from acquired loans added 6 basis points to loan yields during the quarters ended September 30, 2026 and September 30, 2025, respectively. Finally, the average balance of noninterest-bearing deposits increased by $82.7 million from the three-month average as of September 30, 2026.

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			Nine months ended September 30,
			2026																		2025
			Average Balance						Interest Income/ Expense						Rates Earned /Paid						Average Balance						Interest Income/ Expense						Rates Earned /Paid
Assets
Loans			$	7,182,193					$	313,315					5.83		%				$	6,876,128					$	295,077					5.74		%
Investments-taxable			1,679,567						42,142						3.35		%				1,812,965						45,994						3.39		%
Investments-nontaxable (1)			129,953						3,371						3.47		%				132,690						3,426						3.45		%
Total investments			1,809,520						45,513						3.36		%				1,945,655						49,420						3.40		%
Cash at Federal Reserve and other banks			175,033						4,871						3.72		%				200,364						6,719						4.48		%
Total earning assets			9,166,746						363,699						5.30		%				9,022,147						351,216						5.20		%
Other assets, net			803,976																		807,433
Total assets			$	9,970,722																	$	9,829,580
Liabilities and shareholders’ equity
Interest-bearing demand deposits			$	1,899,435					$	20,687					1.46		%				$	1,828,709					$	18,946					1.39		%
Savings deposits			2,784,223						31,500						1.51		%				2,795,620						37,409						1.79		%
Time deposits			1,135,886						27,267						3.21		%				1,110,123						29,749						3.58		%
Total interest-bearing deposits			5,819,544						79,454						1.83		%				5,734,452						86,104						2.01		%
Other borrowings			10,726						9						0.11		%				42,959						1,064						3.31		%
Junior subordinated debt			41,238						2,056						6.67		%				91,196						4,641						6.80		%
Total interest-bearing liabilities			5,871,508						81,519						1.86		%				5,868,607						91,809						2.09		%
Noninterest-bearing deposits			2,587,391																		2,526,280
Other liabilities			156,630																		163,015
Shareholders’ equity			1,355,193																		1,271,678
Total liabilities and shareholders’ equity			$	9,970,722																	$	9,829,580
Net interest rate spread (1) (2)															3.44		%																3.11		%
Net interest income and margin (1) (3)									$	282,180					4.12		%										$	259,407					3.84		%

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.

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.

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			Three months ended September 30, 2026 compared with three months ended September 30, 2025
(in thousands)			Volume						Rate						Total
Increase (decrease) in interest income:
Loans			$	5,076					$	2,291					$	7,367
Investment securities			(1,322)						(838)						(2,160)
Cash at Federal Reserve and other banks			(763)						(326)						(1,089)
Total interest-earning assets			2,991						1,127						4,118
Increase (decrease) in interest expense:
Interest-bearing demand deposits			285						302						587
Savings deposits			(322)						(1,939)						(2,261)
Time deposits			200						(861)						(661)
Total interest-bearing deposits			163						(2,498)						(2,335)
Other borrowings			(1)						(1)						(2)
Junior subordinated debt			(516)						(17)						(533)
Total interest-bearing liabilities			(354)						(2,516)						(2,870)
Increase in net interest income			$	3,345					$	3,643					$	6,988

Net interest income (FTE) during the three months ended September 30, 2026 increased $7.0 million to $96.8 million compared to $89.8 million during the three months ended September 30, 2025. As noted above, the increase in net interest income (FTE) was due largely to: higher average loan balances, lower rates paid for interest-bearing deposits, and lower average balances for borrowings, all of which have a beneficial impact on net interest income.

			Nine months ended September 30, 2026 compared with nine months ended September 30, 2025
(in thousands)			Volume						Rate						Total
Increase (decrease) in interest income:
Loans			$	13,176					$	5,062					$	18,238
Investment securities			(3,463)						(444)						(3,907)
Cash at Federal Reserve and other banks			(851)						(997)						(1,848)
Total interest-earning assets			8,862						3,621						12,483
Increase (decrease) in interest expense:
Interest-bearing demand deposits			737						1,004						1,741
Savings deposits			(153)						(5,756)						(5,909)
Time deposits			692						(3,174)						(2,482)
Other borrowings			(800)						(255)						(1,055)
Junior subordinated debt			(2,548)						(37)						(2,585)
Total interest-bearing liabilities			(2,072)						(8,218)						(10,290)
Increase in net interest income			$	10,934					$	11,839					$	22,773

Asset Quality and Credit Loss Provisioning

During the three months ended September 30, 2026, the Company recorded a reversal of credit losses of $1.9 million, as compared to a provision of $2.7 million during the trailing quarter, and $0.7 million during the third quarter of 2025.

			Three months ended																		Nine months ended
(dollars in thousands)			September 30, 2026						June 30, 2026						September 30, 2025						September 30, 2026						September 30, 2025
(Reversal of) addition to allowance for credit losses on loans and leases			$	(1,731)					$	2,585					$	730					$	3,824					$	7,918
(Reversal of) addition to reserve for unfunded loan commitments			(150)						70						(60)						275						1,145
Total (benefit from) provision for credit losses			$	(1,881)					$	2,655					$	670					$	4,099					$	9,063

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The ACL was $128.2 million or 1.73% of total loans as of September 30, 2026. The reversal of credit losses on loans totaling $1.7 million was driven by a $1.3 million reduction in loss reserves associated with individually evaluated loans, with the balance of the reversal driven by improvements in risk ratings and general economic forecast data attributed to collectively evaluated loan pools, net of $0.3 million in net charge-offs.

			Three months ended September 30,												Nine months ended September 30,
(dollars in thousands)			2026						2025						2026						2025
Balance, beginning of period			$	130,187					$	124,455					$	125,762					$	125,366
(Benefit from) provision for credit losses on loans and leases			(1,731)						730						3,824						7,918
Loans charged-off			(831)						(737)						(2,198)						(9,706)
Recoveries of previously charged-off loans			530						123						767						993
Balance, end of period			$	128,155					$	124,571					$	128,155					$	124,571

The net charge-offs incurred during the quarter were spread amongst numerous borrowers and loan types.

The decrease in allowance for credit losses required on individually analyzed loans is largely attributed to the improvement in collateral values, including borrowers who have provided additional collateral, across several credits. Meanwhile, the reversal in collective reserves, despite an overall increase in net loan balances of approximately $99.1 million during the quarter, was primarily attributed to improved delinquency rates and risk grades across the commercial real estate portfolio. Additionally, Management notes that economic indicators through the end of the current quarter, as well as actual and forecasted trends including, but not limited to, unemployment, gross domestic product, and corporate borrowing rates remained supportive of general economic expansion, and a slight improvement from the period ended June 30, 2026, which is aligned with the Company's direct experiences with borrowers.

Management believes the provisioning for individually analyzed relationships is sufficient relative to expected future losses, if any. The Company continues to work closely with these largely cooperative borrowers and is diligently monitoring for any further changes in financial conditions. The net charge-offs incurred during the quarter were spread amongst numerous borrowers and loan types.

(dollars in thousands)			As of September 30, 2026			% of Loans Outstanding						As of June 30, 2026			% of Loans Outstanding						As of September 30, 2025			% of Loans Outstanding
Risk Rating:
Pass			$	7,186,815		97.0		%				$	7,050,687		96.5		%				$	6,785,679		96.8		%
Special Mention			92,729			1.3		%				119,600			1.6		%				89,352			1.3		%
Substandard			130,645			1.7		%				140,803			1.9		%				131,793			1.9		%
Total			$	7,410,189		100.00		%				$	7,311,090		100.00		%				$	7,006,824		100.00		%
Classified loans to total loans			1.76		%							1.93		%							1.88		%
Loans past due 30+ days to total loans			0.62		%							0.68		%							0.65		%
ACL to non-performing loans			184.20		%							189.11		%							189.76		%

The ratio of classified loans to total loans of 1.76% as of September 30, 2026, was a decrease of 17 basis points from June 30, 2026, and 12 basis points from the comparative quarter ended 2025. The change in classified loans outstanding as compared to the trailing quarter represented a decrease of approximately $10.2 million.

Loans past due 30 days or more decreased by $3.4 million during the quarter ended September 30, 2026, to $46.2 million, as compared to $49.6 million at June 30, 2026. The majority of loans identified as past due are well-secured by collateral, and approximately $27.5 million are less than 90 days delinquent.

Non-performing assets to total assets were 0.79% on September 30, 2026, as compared to 0.76% as of June 30, 2026, and 0.72% on September 30, 2025. Non-performing loans increased nominally during the quarter ended September 30, 2026, to $69.6 million as compared to $68.8 million at June 30, 2026. The credit and collateral profiles of non-performing loans remain generally consistent with the trailing quarter. As noted previously, management continues to proactively work with these borrowers to identify actionable and appropriate resolution strategies which are customary for the industries. Management anticipates that these proactive strategies, specifically within agricultural real estate secured and agricultural commercial loans, will further benefit from the continued improvement in agricultural commodity prices, stable water supply, and growing crop demand. Of the $69.6 million loans designated as non-performing as of September 30, 2026, approximately $45.0 million are current or less than 30 days past due with respect to payments required under their existing loan agreements.

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.

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As of September 30, 2026, other real estate owned consisted of 14 properties with a carrying value of approximately $9.4 million, as compared to 14 properties with a carrying value of $6.8 million at June 30, 2026. Non-performing assets of $79.0 million at September 30, 2026, represented 0.79% of total assets, a change from $75.6 million or 0.76% and $71.1 million or 0.72% as of June 30, 2026 and September 30, 2025, 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)			2026						2025						$ Change						% Change
ATM and interchange fees			$	6,725					$	6,493					$	232					3.6		%
Service charges on deposit accounts			5,713						5,448						265						4.9		%
Other service fees			1,449						1,485						(36)						(2.4)		%
Mortgage banking service fees			420						430						(10)						(2.3)		%
Change in value of mortgage servicing rights			(33)						(105)						72						68.6		%
Total service charges and fees			14,274						13,751						523						3.8		%
Increase in cash value of life insurance			880						871						9						1.0		%
Asset management and commission income			2,054						1,932						122						6.3		%
Gain on sale of loans			394						327						67						20.5		%
Lease brokerage income			42						82						(40)						(48.8)		%
Sale of customer checks			299						311						(12)						(3.9)		%
(Loss) gain on sale or exchange of investment securities			—						(2,124)						2,124						(100.0)		%
(Loss) gain on marketable equity securities			(100)						26						(126)						(484.6)		%
Other income			2,323						2,831						(508)						(17.9)		%
Total other non-interest income			5,892						4,256						1,636						38.4		%
Total non-interest income			$	20,166					$	18,007					$	2,159					12.0		%

Non-interest income increased $2.2 million or 12.0% to $20.2 million during the three months ended September 30, 2026, compared to $18.0 million during the comparative quarter ended September 30, 2025. Non-interest income line items saw modest yet broadly favorable movement during the quarter. During the comparative period ended September 30, 2025, the Company recorded a gain in other income of approximately $2.5 million tied to the early retirement of $59.9 million in subordinated debt, along with losses on investment securities sales of approximately $2.1 million — neither of which reocurred in the current period.

			Nine months ended September 30,
(in thousands)			2026						2025						$ Change						% Change
ATM and interchange fees			$	19,765					$	19,189					$	576					3.0		%
Service charges on deposit accounts			16,375						15,551						824						5.3		%
Other service fees			4,465						4,329						136						3.1		%
Mortgage banking service fees			1,266						1,307						(41)						(3.1)		%
Change in value of mortgage servicing rights			(439)						(297)						(142)						(47.8)		%
Total service charges and fees			41,432						40,079						1,353						3.4		%
Increase in cash value of life insurance			2,571						2,533						38						1.5		%
Asset management and commission income			5,864						5,055						809						16.0		%
Gain on sale of loans			1,276						1,174						102						8.7		%
Lease brokerage income			187						198						(11)						(5.6)		%
Sale of customer checks			982						974						8						0.8		%
(Loss) gain on sale or exchange of investment securities			17						(3,266)						3,283						100.5		%
(Loss) gain on marketable equity securities			(128)						73						(201)						(275.3)		%
Other			3,243						4,350						(1,107)						(25.4)		%
Total other non-interest income			14,012						11,091						2,921						26.3		%
Total non-interest income			$	55,444					$	51,170					$	4,274					8.4		%

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Non-interest income increased $4.3 million or 8.4% to $55.4 million during the nine months ended September 30, 2026, compared to $51.2 million during the comparative period ended September 30, 2025. Service charges and customer fees in the 2026 period drove an increase of $1.4 million. Further, elevated activity and volume of assets under management resulted in an increase of $0.8 million or 16.0% in related income. The remaining notable fluctuations are attributable to the previously noted non-recurring items associated with the retirement of subordinated debt and the sale of investment securities.

Non-interest Expense

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

			Three months ended September 30,
(in thousands)			2026						2025						$ Change						% Change
Base salaries, net of deferred loan origination costs			$	25,660					$	25,340					$	320					1.3		%
Incentive compensation			6,510						5,351						1,159						21.7		%
Benefits and other compensation costs			6,638						7,038						(400)						(5.7)		%
Total salaries and benefits expense			38,808						37,729						1,079						2.9		%
Occupancy			4,704						4,388						316						7.2		%
Data processing and software			5,570						4,838						732						15.1		%
Equipment			1,471						1,269						202						15.9		%
Intangible amortization			362						482						(120)						(24.9)		%
Advertising			878						647						231						35.7		%
ATM and POS network charges			2,076						1,911						165						8.6		%
Professional fees			1,414						1,842						(428)						(23.2)		%
Telecommunications			440						503						(63)						(12.5)		%
Regulatory assessments and insurance			1,311						1,282						29						2.3		%
Merger and acquisition expense			3,870						—						3,870						n/m
Postage			370						353						17						4.8		%
Operational losses			662						544						118						21.7		%
Courier service			628						577						51						8.8		%
(Gain) loss on sale or acquisition of foreclosed assets			(72)						—						(72)						n/m
(Gain) loss on disposal of fixed assets			66						21						45						214.3		%
Other miscellaneous expense			3,925						4,038						(113)						(2.8)		%
Total other non-interest expense			27,675						22,695						4,980						21.9		%
Total non-interest expense			$	66,483					$	60,424					$	6,059					10.0		%
Average full time equivalent staff			1,106						1,154						(48)						(4.2)		%

Total non-interest expense increased $6.1 million or 10.0% to $66.5 million during the three months ended September 30, 2026, as compared to $60.4 million for the quarter ended September 30, 2025. Total salaries and benefits expense increased by $1.1 million or 2.9% on a net basis, led by elevated incentive compensation attributed to both individual production and overall Company performance. Increases in data processing and software expense along with increases in equipment expense were largely attributable to expanded digital and scaling capabilities.

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			Nine months ended September 30,
(in thousands)			2026						2025						$ Change						% Change
Base salaries, net of deferred loan origination costs			$	75,379					$	76,498					$	(1,119)					(1.5)		%
Incentive compensation			17,766						14,612						3,154						21.6		%
Benefits and other compensation costs			20,780						21,760						(980)						(4.5)		%
Total salaries and benefits expense			113,925						112,870						1,055						0.9		%
Occupancy			13,523						12,665						858						6.8		%
Data processing and software			16,296						14,855						1,441						9.7		%
Equipment			4,126						3,742						384						10.3		%
Intangible amortization			1,222						1,479						(257)						(17.4)		%
Advertising			2,442						2,659						(217)						(8.2)		%
ATM and POS network charges			5,795						5,605						190						3.4		%
Professional fees			4,644						5,027						(383)						(7.6)		%
Telecommunications			1,359						1,504						(145)						(9.6)		%
Regulatory assessments and insurance			3,916						3,862						54						1.4		%
Merger and acquisition expense			4,720						—						4,720						n/m
Postage			1,123						1,058						65						6.1		%
Operational losses			1,449						1,238						211						17.0		%
Courier service			1,724						1,609						115						7.1		%
(Gain) loss on sale or acquisition of foreclosed assets			(72)						(3)						(69)						2,300.0		%
(Gain) loss on disposal of fixed assets			51						111						(60)						(54.1)		%
Other miscellaneous expense			12,217						12,859						(642)						(5.0)		%
Total other non-interest expense			74,535						68,270						6,265						9.2		%
Total non-interest expense			$	188,460					$	181,140					$	7,320					4.0		%
Average full time equivalent staff			1,111						1,173						(62)						(5.3)		%

Non-interest expense increased $7.3 million or 4.0% to $188.5 million during the nine months ended September 30, 2026, as compared to $181.1 million for the trailing nine months ended September 30, 2025. As noted above, increases in incentive compensation were attributed to both individual production and overall Company performance. Increases in data processing and software expense along with increases in equipment expense were largely attributable to expanded digital and scaling capabilities. Excluding those items and the $4.7 million in merger expenses, changes in other non-interest expense line items were mixed during the nine months period ended September 30, 2026, but essentially flat and due to timing differences.

Income Taxes

The Company’s effective tax rate was 27.1% for the quarter ended September 30, 2026, as compared to 26.2% for the quarter ended June 30, 2026, and 26.8% for the quarter ended September 30, 2025. 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, 2026						June 30, 2026																								Annualized  % Change
(dollars in thousands)															$ Change
Total assets			$	9,978,516					$	9,930,763					$	47,753																	1.9		%
Total loans			7,410,189						7,311,090						99,099																		5.4
Total investments			1,633,267						1,796,373						(163,106)																		(36.3)
Total deposits			8,443,433						8,368,830						74,603																		3.6
Total other borrowings			—						10,519						(10,519)																		(100.0)

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Loans outstanding increased by $99.1 million or 5.4% on an annualized basis during the quarter ended September 30, 2026. During the quarter, gross loan originations/draws totaled approximately $496.0 million while gross payoffs/repayments of loans totaled $410.8 million, which compares to gross originations/draws and gross payoffs/repayments during the trailing quarter ended of $632.9 million and $412.8 million, respectively. Origination and repayment volumes returned to levels consistent with recent periods, following an outlier quarter of elevated originations.

Investment security balances decreased $163.1 million or 36.3% on an annualized basis during the quarter as a result of prepayments / maturities of $131.8 million and net decreases in the market value of securities of $60.5 million, partially offset by purchases totaling $29.2 million. Investment security purchases were comprised of fixed rate agency mortgage-backed securities. 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 $74.6 million or 3.6% annualized during the period, inclusive of $68.8 million in one-way sell activity outstanding at June 30, 2026, which was returned to the Company's balance sheet during the current quarter. There were no deposits sold as of September 30, 2026 or the same quarter of the prior year.

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)			2026						2025						$ Change
Total assets			$	9,978,516					$	9,878,836					$	99,680					1.0		%
Total loans			7,410,189						7,006,824						403,365						5.8
Total investments			1,633,267						1,856,133						(222,866)						(12.0)
Total deposits			8,443,433						8,334,461						108,972						1.3
Total other borrowings			—						17,039						(17,039)						(100.0)

Investment Securities

The following table presents the available for sale debt securities portfolio by major type as of September 30, 2026 and December 31, 2025:

			September 30, 2026												December 31, 2025
(in thousands)			Fair Value						%						Fair Value						%
Debt securities available for sale:
Obligations of U.S. government agencies			$	1,049,163					68.2		%				$	1,064,028					61.4		%
Obligations of states and political subdivisions			201,770						13.1		%				220,686						12.7		%
Corporate bonds			989						0.1		%				4,958						0.3		%
Asset backed securities			160,972						10.5		%				269,520						15.6		%
Non-agency mortgage backed			124,343						8.1		%				172,739						10.0		%
Total debt securities available for sale			$	1,537,237					100.0		%				$	1,731,931					100.0		%

			September 30, 2026												December 31, 2025
(in thousands)			Amortized Cost						%						Amortized Cost						%
Debt securities held to maturity:
Obligations of U.S. government and agencies			$	74,652					97.9		%				$	88,980					98.3		%
Obligations of states and political subdivisions			1,564						2.1		%				1,564						1.7		%
Total debt securities held to maturity			$	76,216					100.0		%				$	90,544					100.0		%

Investment securities held to maturity decreased $14.3 million to $76.2 million as of September 30, 2026, as compared to December 31, 2025. This decrease is attributable to calls and principal repayments of $14.1 million, and amortization of net purchase premiums of $0.2 million.

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.

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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, 2026												December 31, 2025
Commercial real estate			$	5,010,800					67.6		%				$	4,853,762					68.3		%
Consumer			1,307,120						17.6		%				1,314,610						18.5		%
Commercial and industrial			595,205						8.0		%				464,428						6.5		%
Construction			336,299						4.5		%				301,045						4.2		%
Agriculture production			157,343						2.1		%				172,494						2.5		%
Leases			3,422						0.2		%				4,748						—		%
Total loans			$	7,410,189					100.0		%				$	7,111,087					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, 2026						December 31, 2025
Performing nonaccrual loans			$	48,782					$	40,762
Nonperforming nonaccrual loans			20,125						23,374
Total nonaccrual loans			68,907						64,136
Loans 90 days past due and still accruing			666						83
Total nonperforming loans			69,573						64,219
Foreclosed assets			9,386						6,245
Total nonperforming assets			$	78,959					$	70,464
Nonperforming assets to total assets			0.79		%				0.72		%
Nonperforming loans to total loans			0.94		%				0.90		%
Allowance for credit losses to nonperforming loans			184		%				196		%

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Changes in nonperforming assets during the three months ended September 30, 2026

(in thousands)			Balance at June 30, 2026						New NPA / Valuation Adjustments						Pay-downs /Sales /Upgrades						Charge-offs/ (1) Write-downs						Transfers to Foreclosed Assets						Balance at September 30, 2026
Commercial real estate:
CRE non-owner occupied			$	8,180					—						536						—						(2,713)						$	6,003
CRE owner occupied			18,094						978						(392)						—						—						18,680
Multifamily			926						431						(519)						—						—						838
Farmland			25,261						—						(423)						—						—						24,838
Total commercial real estate loans			52,461						1,409						(798)						—						(2,713)						50,359
Consumer
SFR 1-4 1st DT liens			6,370						1,786						(444)						—						—						7,712
SFR HELOCs and junior liens			4,316						1,194						(396)						—						(169)						4,945
Other			540						432						(104)						(49)						—						819
Total consumer loans			11,226						3,412						(944)						(49)						(169)						13,476
Commercial and industrial			4,648						1,447						(166)						(673)						—						5,256
Construction			106						—						(8)						—						—						98
Agriculture production			159						—						(32)						—						—						127
Leases			242						15						—						—						—						257
Total nonperforming loans			68,842						6,283						(1,948)						(722)						(2,882)						69,573
Foreclosed assets			6,778						—						(274)						—						2,882						9,386
Total nonperforming assets			$	75,620					6,283						(2,222)						(722)						—						$	78,959

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

Nonperforming assets increased during the three months ended September 30, 2026 by $3.3 million or 4.4% to $79.0 million compared to $75.6 million at June 30, 2026. The increase in nonperforming assets during the third quarter of 2026 was primarily the result of nonperforming loan additions totaling $6.3 million, offset by pay-downs and upgrades, which totaled $1.9 million during the quarter, as well as $0.7 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, 2026.

Changes in nonperforming assets during the nine months ended September 30, 2026

(in thousands)			Balance at December 31, 2025						New NPA / Valuation Adjustments						Pay-downs /Sales /Upgrades						Charge-offs/ (1) Write-downs						Transfers to Foreclosed Assets						Balance at September 30, 2026
Commercial real estate:
CRE non-owner occupied			$	7,089					1,728						(101)						—						(2,713)						$	6,003
CRE owner occupied			7,733						11,855						(908)						—						—						18,680
Multifamily			435						937						(534)						—						—						838
Farmland			31,615						—						(6,777)						—						—						24,838
Total commercial real estate loans			46,872						14,520						(8,320)						—						(2,713)						50,359
Consumer
SFR 1-4 1st DT liens			6,246						3,122						(1,436)						—						(220)						7,712
SFR HELOCs and junior liens			5,474						2,737						(3,022)						(75)						(169)						4,945
Other			459						779						(146)						(273)						—						819
Total consumer loans			12,179						6,638						(4,604)						(348)						(389)						13,476
Commercial and industrial			4,013						3,281						(597)						(1,441)						—						5,256
Construction			650						42						(23)						(70)						(501)						98
Agriculture production			505						40						(418)						—						—						127
Leases			—						257						—						—						—						257
Total nonperforming loans			64,219						24,778						(13,962)						(1,859)						(3,603)						69,573
Foreclosed assets			6,245						(188)						(274)						—						3,603						9,386
Total nonperforming assets			$	70,464					24,590						(14,236)						(1,859)						—						$	78,959

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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, 2026						December 31, 2025						September 30, 2025
Allowance for credit losses:
Allowance for collectively evaluated loans			$	123,969					$	122,556					$	121,268
Allowance for individually evaluated loans			4,186						3,206						3,303
Total allowance for credit losses			$	128,155					$	125,762					$	124,571
Allowance for credit losses for loans / total loans			1.73		%				1.77		%				1.78		%

For additional information regarding the allowance for credit losses, including changes in specific, formula, and environmental factors allowance categories, see “Asset Quality and Loan Loss Provisioning” at “Results of Operations”, above. For additional information on the current ACL methodology, see "Allowance for Credit Losses - Loans" within footnote 1 of the Company's 10-Q/10-K. Based on the current conditions of the loan portfolio, management believes that the $128.2 million allowance for credit losses at September 30, 2026 is adequate to absorb expected 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.

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, 2026												December 31, 2025												September 30, 2025
Commercial real estate			$	76,078					59.4		%				$	75,532					60.1		%				$	75,017					60.2		%
Consumer			25,669						20.0		%				26,283						20.9		%				25,748						20.7		%
Commercial and industrial			13,183						10.3		%				11,430						9.1		%				9,090						7.3		%
Construction			9,149						7.1		%				8,231						6.5		%				10,792						8.7		%
Agriculture production			4,061						3.2		%				4,265						3.4		%				3,901						3.1		%
Leases			15						0.0		%				21						0.0		%				23						0.0		%
Total allowance for credit losses			$	128,155					100.0		%				$	125,762					100.0		%				$	124,571					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, 2026												December 31, 2025						September 30, 2025
Commercial real estate									1.52		%										1.56		%										1.57		%
Consumer									1.96		%										2.00		%										1.99		%
Commercial and industrial									2.21		%										2.46		%										2.01		%
Construction									2.72		%										2.73		%										3.61		%
Agriculture production									2.58		%										2.47		%										2.40		%
Leases									0.44		%										0.44		%										0.44		%
Total loans									1.73		%										1.77		%										1.78		%

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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)			2026						2025						2026						2025
Allowance for credit losses:
Balance at beginning of period			$	130,187					$	124,455					$	125,762					$	125,366
Provision for credit losses			(1,731)						730						3,824						7,918
Loans charged-off:
Commercial real estate:
CRE non-owner occupied			—						—						—						—
CRE owner occupied			—						—						—						—
Multifamily			—						—						—						—
Farmland			—						—						—						—
Consumer:
SFR 1-4 1st DT liens			—						—						—						—
SFR HELOCs and junior liens			—						—						(75)						—
Other			(157)						(142)						(611)						(459)
Commercial and industrial			(674)						(595)						(1,442)						(9,236)
Construction			—						—						(70)						—
Agriculture production			—						—						—						(11)
Leases			—						—						—						—
Total loans charged-off			(831)						(737)						(2,198)						(9,706)
Recoveries of previously charged-off loans:
Commercial real estate:
CRE non-owner occupied			—						—						1						—
CRE owner occupied			1						—						2						1
Multifamily			—						—						—						—
Farmland			—						—						—						—
Consumer:
SFR 1-4 1st DT liens			—						—						—						—
SFR HELOCs and junior liens			2						4						51						20
Other			32						30						133						103
Commercial and industrial			127						89						201						255
Construction			—						—						—						—
Agriculture production			368						—						379						614
Leases			—						—						—						—
Total recoveries of previously charged-off loans			530						123						767						993
Net charge-offs			(301)						(614)						(1,431)						(8,713)
Balance at end of period			$	128,155					$	124,571					$	128,155					$	124,571
Average total loans			$	7,324,950					$	6,971,860					$	7,182,193					$	6,876,128
Ratios (annualized):
Net (charge-offs) recoveries during period to average loans outstanding during period			(0.01)		%				(0.01)		%				(0.03)		%				(0.17)		%
Provision for credit losses to average loans outstanding during period			(0.03)		%				0.01		%				0.07		%				0.15		%

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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, 2026:

(in thousands)			Balance at December 31, 2025						Sales						Valuation Adjustments						Transfers from Loans						Balance at September 30, 2026
Land & construction			$	3,592					$	—					$	(104)					$	501					$	3,989
Residential real estate			1,754						(224)						(84)						389						1,835
Commercial real estate			899						(50)						—						2,713						3,562
Total foreclosed assets			$	6,245					$	(274)					$	(188)					$	3,603					$	9,386

Deposits

During the nine months ended September 30, 2026, the Company’s deposits increased by $179.5 million to $8.4 billion at quarter end. There were no brokered deposits included in the deposit balances as of September 30, 2026 and December 31, 2025. Estimated uninsured deposits totaled $2.9 billion and $2.9 billion as of September 30, 2026 and December 31, 2025, 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.

The Company's Board of Directors has approved the authorization to repurchase up to 2.0 million shares of the Company's common stock (the 2025 Repurchase Plan or the 2025 Program). The Company’s 2025 Share Repurchase Program replaces and supersedes the 2021 Share Repurchase Program which has been terminated as of December 31, 2025. 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 2025 Program is subject to change. The 2025 Program has no expiration date but the Board may suspend or discontinue the program at any time.

During the three months ended September 30, 2026, the Company repurchased zero shares. During the nine months ended September 30, 2026, the Company repurchased 447,211 shares with a market value totaling $21.6 million under the 2025 Program. There were no shares repurchased in 2025 under the 2025 Program, however, during the three and nine months ended September 30, 2025 the Company purchased 52,106 and 521,738 shares with market values of $2.3 million and $21.3 million under the 2021 Share Repurchase Program. As of September 30, 2026, approximately 1,553,000 shares remain authorized for repurchase

Total shareholders' equity decreased by $15.1 million during the quarter ended September 30, 2026, as net income of $38.0 million was offset by a $42.6 million increase in accumulated other comprehensive losses and $11.5 million in cash dividends paid on common stock. As a result, the Company’s book value decreased to $41.56 per share at September 30, 2026, compared to $42.03 at June 30, 2026. 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 $31.93 per share at September 30, 2026, as compared to $32.40 at June 30, 2026.

The following is a comparison of various capital ratios for the current period with the most recent fiscal year-end and applicable minimum regulatory requirements.

			September 30, 2026												December 31, 2025
			Ratio						Minimum Regulatory Requirement						Ratio						Minimum Regulatory Requirement
Total risk based capital			15.1		%				10.5		%				15.1		%				10.5		%
Tier I capital			13.9		%				8.5		%				13.8		%				8.5		%
Common equity Tier 1 capital			13.4		%				7.0		%				13.3		%				7.0		%
Leverage			12.2		%				4.0		%				11.8		%				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, 2026, 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, 2026						December 31, 2025
Borrowing capacity at correspondent banks and FRB			$	2,990,897					$	2,905,789
Less: borrowings outstanding			—						—
Unpledged available-for-sale investment securities			863,173						963,625
Cash held or in transit with FRB			129,868						98,067
Total primary liquidity			$	3,983,938					$	3,967,481

At September 30, 2026, the Company's primary sources of liquidity represented 47% of total deposits and 139% 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 $70.8 million, including approximately $5.5 million in net unrealized losses.

The Company’s profitability during the first nine months of 2026 generated cash flows from operations of $100.0 million compared to $98.8 million during the first nine months of 2025. Net cash from investing activities was $170.4 million for the nine months ended September 30, 2026, compared to net cash from investing activities of $3.6 million during the nine months ending 2025. Financing activities provided $109.1 million during the nine months ended September 30, 2026, compared to using $58.7 million during the nine months ended September 30, 2025.

The types of contractual obligations of the Company and Bank, include but are 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 those as of December 31, 2025. However, as borrowings have been repaid, the borrowing capacity at correspondent banks has increased. In addition, as the balance of investment securities has declined, so has the balance of unpledged securities. In total, and as illustrated above, the balance of total primary liquidity has increased during the first nine months of 2026.

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 $34.6 million of cash during the nine months ended September 30, 2026. 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, 2026												September 30, 2025						September 30, 2026						September 30, 2025
Net interest margin
Acquired loans discount accretion, net:
Amount (included in interest income)			$1,177												$996						$3,553						$4,238
Effect on average loan yield			0.06		%										0.06		%				0.06		%				0.08		%
Effect on net interest margin (FTE)			0.05		%										0.04		%				0.05		%				0.06		%
Net interest margin (FTE)			4.16		%										3.92		%				4.12		%				3.84		%
Net interest margin less effect of acquired loan discount accretion (Non-GAAP)			4.11		%										3.88		%				4.06		%				3.78		%

			Three months ended												Nine months ended
(dollars in thousands)			September 30, 2026						September 30, 2025						September 30, 2026						September 30, 2025
Pre-tax pre-provision return on average assets or equity
Net income (GAAP)			$37,967						$34,019						$105,821						$87,924
Exclude provision for income taxes			14,143						12,449						38,466						31,659
Exclude provision for credit losses			(1,881)						670						4,099						9,063
Net income before income tax and provision expense (Non-GAAP)			$50,229						$47,138						$148,386						$128,646
Average assets (GAAP)			$10,030,832						$9,900,675						$9,970,722						$9,829,580
Average equity (GAAP)			$1,359,866						$1,289,535						$1,355,193						$1,271,678
Return on average assets (GAAP) (annualized)			1.50		%				1.36		%				1.42		%				1.20		%
Pre-tax pre-provision return on average assets (Non-GAAP) (annualized)			1.99		%				1.89		%				1.99		%				1.75		%
Return on average equity (GAAP) (annualized)			11.08		%				10.47		%				10.44		%				9.24		%
Pre-tax pre-provision return on average equity (Non-GAAP) (annualized)			14.65		%				14.50		%				14.64		%				13.53		%

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			Three months ended												Nine months ended
(dollars in thousands)			September 30, 2026						September 30, 2025						September 30, 2026						September 30, 2025
Return on tangible common equity
Average total shareholders' equity			$1,359,866						$1,289,535						$1,355,193						$1,271,678
Exclude average goodwill			304,442						304,442						304,442						304,442
Exclude average other intangibles			3,470						5,259						3,890						5,741
Average tangible common equity (Non-GAAP)			$1,051,954						$979,834						$1,046,861						$961,495
Net income (GAAP)			$37,967						$34,019						$105,821						$87,924
Exclude amortization of intangible assets, net of tax effect			255						339						860						1,041
Tangible net income available to common shareholders (Non-GAAP)			$38,222						$34,358						$106,681						$88,965
Return on average equity (GAAP) (annualized)			11.08		%				10.47		%				10.44		%				9.24		%
Return on average tangible common equity (Non-GAAP)			14.42		%				13.91		%				13.62		%				12.37		%

			As of
(dollars in thousands)			September 30, 2026						December 31, 2025
Tangible shareholders' equity to tangible assets
Shareholders' equity (GAAP)			$1,328,450						$1,328,001
Exclude goodwill and other intangible assets, net			307,690						308,913
Tangible shareholders' equity (Non-GAAP)			$1,020,760						$1,019,088
Total assets (GAAP)			$9,978,516						$9,822,063
Exclude goodwill and other intangible assets, net			307,690						308,913
Total tangible assets (Non-GAAP)			$9,670,826						$9,513,150
Shareholders' equity to total assets (GAAP)			13.31		%				13.52		%
Tangible shareholders' equity to tangible assets (Non-GAAP)			10.56		%				10.71		%

			As of
(dollars in thousands)			September 30, 2026						December 31, 2025
Tangible common shareholders' equity per share
Tangible shareholders' equity (Non-GAAP)			$1,020,760						$1,019,088
Common shares outstanding at end of period			31,966,630						32,334,974
Common shareholders' equity (book value) per share (GAAP)			$41.56						$41.07
Tangible common shareholders' equity (tangible book value) per share (Non-GAAP)			$31.93						$31.52

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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, 2025, the following update of the Company’s assessment of market risk as of September 30, 2026 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, 2025.

As of September 30, 2026, the Company's loan portfolio consisted of approximately $7.4 billion in outstanding principal with a weighted average coupon rate of 5.87%. During the three-month periods ending September 30, 2026, June 30, 2026, and September 30, 2025, the weighted average coupon on loan production in the quarter was 6.63%, 6.50% and 6.71%. Included in the September 30, 2026 total loans balance are adjustable rate loans totaling $5.1 billion, of which $1.0 billion are considered floating based on the Wall Street Prime index. In addition, the Company holds certain investment securities with fair values totaling $259.0 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, 2026, non-interest bearing deposits represented 31.4% of total deposits. Further, during the quarter ended September 30, 2026, the cost of interest bearing deposits were 1.82% and the cost of total deposits were 1.26%. With the intent of 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 utilize brokered deposits. Thus far during 2026 and the entire 2025 period, management did not utilize any brokered deposits. Management did however utilize term debt borrowing lines from the FHLB during 2025, which was fully repaid in April of 2025. There were no FHLB borrowings outstanding as of or for the quarter ended September 30, 2026.

As of September 30, 2026 the overnight Federal funds effective rate, the rate primarily used in these interest rate shock scenarios, was 3.88%. 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, 2026.

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)			(4.0)		%				(5.2)		%
+200 (shock)			(2.7)		%				(3.4)		%
+100 (shock)			(1.2)		%				(1.3)		%
+    0 (flat)			—						—
-100 (shock)			(0.2)		%				(0.4)		%
-200 (shock)			(0.4)		%				(2.4)		%
-300 (shock)			0.4		%				(5.6)		%

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, 2026. 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, 2026.

During the three months ended September 30, 2026, 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, 2025 filed with the SEC on March 2, 2026, and in the information contained in the Quarterly Report on Form 10-Q for the quarter ended June 30, 2026 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  (2)						(d) Maximum number of shares that may yet be purchased under the plans or programs at period end (2)
July 1 - 31, 2026			—						—						—						1,552,789
August 1 - 31, 2026			—						—						—						1,552,789
September 1 - 30, 2026			—						$	—					—						1,552,789
Total			—						$	—					—

(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

Director or Executive Officer Rule 10b5-1 and Non-Rule 10b5-1 Trading Arrangements

(c) During the three and nine months ended September 30, 2026, 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.

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Item 6 – Exhibits

EXHIBIT INDEX

Exhibit  No.						Exhibit
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 6, 2026			/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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