Investor Presentation | Fourth Quarter 2023

31 Net Interest Income (NII) and Margin (NIM) 3Q23 to 4Q23 Reported Net Interest Income (NII) & NIM Walk NII S in millions, NIM change in bps, all full taxable equivalent (FTE) Int Income (FTE) Net Int Income (FTE) • NIM (FTE) NII NIM 3Q23 $88.5 3.88% $116.3 $112.8 $107.5 $103.4 $103.3 Market rate changes - earning 2.4 11 assets $99.3 $93.7 Loan balances / mix and deferred fee earnings 2.3 10 $89.0 $88.5 $87.0 4.34% 4.21% Time deposit rate changes (0.8) (3) 3.96% 3.88% 3.81% Deposits balances / mix (0.9) (4) Securities portfolio balances / mix (1.3) (6) Borrowings (1.3) (6) Non-maturing deposit rate changes (2.0) (9) 4Q22 1Q23 2Q23 3Q23 4Q23 4Q23 - $87.0 3.81% Investor Presentation | Fourth Quarter 2023 trico bancshares

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