Investor Presentation | Fourth Quarter 2023

32 32 Net Interest Income (NII) and Margin (NIM) 4Q22 to 4Q23 Reported Net Interest Income (NII) & NIM Walk NIIS in millions, NIM change in bps, all full taxable equivalent (FTE) Int Income (FTE) Net Int Income (FTE) ■NIM (FTE) NII NIM 4Q22 $99.3 4.34% $116.3 $112.8 $107.5 $103.4 $103.3 Market rate changes - earning assets 12.2 52 $99.3 $93.7 Loan balances / mix and deferred fee earnings 4.1 18 $89.0 $88.5 $87.0 4.34% 4.21% Interest-bearing cash & Fed Funds (0.7) (3) 3.96% 3.88% 3.81% Securities portfolio balances / mix (2.7) (12) Time deposits (5.4) (23) Borrowings (6.3) (27) Non-maturing deposits (13.6) (58) 4Q22 1Q23 2023 3Q23 4Q23 4Q23 ► $87.0 3.81% Investor Presentation | Fourth Quarter 2023 trico bancshares

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