Investor Presentation | Fourth Quarter 2023

C&I Utilization C&l yield change generally remain tied to changes in the Prime Rate. Paired with treasury management services, C&I customers will be a continued source of noninterest bearing deposits. $209 $190 $43 C&I Utilization by NAICS Industry: 4Q-2023 Outstanding (min) Unfunded (mln) $180 $95 $74 $60 $52 $50 $37 $33 $37 $27 $28 $11 $14 $15 $73 48% 31% 53% Oil & Gas Extraction Construction Wholesale 66% Finance and Insurance 60% Real Estate 42% Healthcare 72% Trans and Warehouse 49% Retail Trade 29% Other (14 Categories) 7.89% 7.88% 7.60% 7.31% 6.79% 6.11% 4.91% 4.85% 4.84% 4.97% 4.96% 5.12% 4.46% $647 $593 $603 $628 $653 $670 $547 $552 $574 $544 $509 $527 $550 $560 $476 $448 $372 $384 $360 $353 $339 $197 $187 $206 $186 $191 43% 35% 33% 36% 4Q-2020 1Q-2021 2Q-2021 3Q-2021 Outstanding Principal ($MM) 45% 2Q-2022 Unfunded Commitment Excludes PPP loans; Outstanding Principal excludes unearned fees and discounts/premiums ($ millions) 35% 36% 4Q-2021 1Q-2022 47% 46% 48% 3Q-2022 4Q-2022 1Q-2023 46% 2Q-2023 46% 3Q-2023 47% 4Q-2023 Utilization WAR 24 Investor Presentation | Fourth Quarter 2023 trico bancshares

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