Investor Presentation | Fourth Quarter 2023

Deposits: Strength in Cost of Funds Relationship focused pricing for retention and acquisition ➤ Continued best in class total deposit Beta, 19.2% cycle to date $8,714 $8,757 $8,656 $8,329 $8,026 $8,095 $8,010 $7,834 $7,367 $7,237 $6,992 $6,863 $3,583 $3,604 $6,506 $3,678 $3,502 $3,073 $2,858 $3,237 $2,723 13 $2,980 $2,943 $2,767 $2,844 $2,582 $4,783 $4,825 $4,530 $4,564 $4,414 $4,674 $4,603 $4,443 $3,580 $3,769 $3,824 $3,967 $4,090 $345 $328 $324 $327 $298 $349 $327 $304 $224 $346 $492 $588 $697 Cost of Deposits Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Noninterest-Bearing Demand Int-Bearing Demand & Savings 0.05% 0.04% 0.04% 0.05% 0.03% 0.04% 0.05% 0.07% 0.17% 0.39% 0.83% 1.17% 1.36% Time Deposits 0.68% 0.64% 0.55% 0.52% 0.45% 0.36% 0.26% 0.23% 0.32% 0.89% 2.21% 2.92% 3.38% Total Deposits 0.07% 0.06% 0.05% 0.05% 0.04% 0.04% 0.04% 0.04% 0.10% 0.25% 0.58% 0.86% 1.05% Interest-bearing Deposits 0.12% 0.10% 0.08% 0.08% 0.06% 0.06% 0.07% 0.08% 0.18% 0.43% 0.95% 1.36% 1.62% Balances presented in millions, end of period Investor Presentation | Fourth Quarter 2023 trico bancshares

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