Investor Presentaiton

Unfunded Loan Commitments HELOCS - by vintage, with weighted avg. coupon (6.52% total WAC) ■Outstanding Principal ($MM) Unfunded Commitment ($MM) $162 $158 $2,183 $1,914 $55 $46 $646 $558 $952 $845 $275 8.61% 7.88% 8.13% 7.65% 7.72% 7.57% 7.68% 7.79% 8.11% 8.25% $250 7.56% $225 6.82% 6.80% $200 5.08% 5.24% $175 $150 $125 $100 $75 $50 $25 $0 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 Unfunded (MM) WA Rate <2010 2010 2011 2012 2013 ■Private Balance (MM) $628 $557 $549 $460 $373 $360 $60 $36 $979 $288 $263 $860 $806 $715 $307 $121 $307 $327 $325 $229 $9 $8 $60 $52 1Q-2023 1Q-2022 1Q-2023 1Q-2022 1Q-2023 1Q-2022 1Q-2023 1Q-2022 1Q-2023 1Q-2022 1Q-2023 1Q-2022 1Q-2023 1Q-2022 1Q-2023 1Q-2022 1Q-2023 1Q-2022 CRE Non-Owner SFR HELOC and Junior Liens Occupied Multifamily Commercial & Industrial CRE-Owner Occupied SFR 1-4 Term Construction ➤ Outstanding Principal and Commitments exclude unearned fees and discounts/premiums, Leases, DDA Overdraft, and Credit Cards PPP Excluded from C&I for $0.5 million and $39 million in Outstanding Principal as of Q1 2023 and Q1 2022, respectively. Agriculture & Farmland Auto & Other 23 Investor Presentation | First Quarter 2023 trico bancshares

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