Investor Presentaiton

C&I Utilization ➤C&l utilization is expected to grow incrementally through the remainder of 2023. Paired with treasury management services, C&I customers will be a continued source of noninterest bearing deposits. $196 $162 55% Oil & Gas Extraction C&I Utilization by NAICS Industry: 1Q-2023 Outstanding (min) $178 Unfunded (min) $88 $67 $52 $53 $55 $55 $43 $46 $44 $29 $27 $12 $20 $12 $11 33% Construction 50% Finance and Wholesale Insurance 54% 66% 22% 70% 57% Real Estate Healthcare Trans and Warehouse Retail Trade 48% Other (14) Categories) 7.31% 6.79% 6.11% 5.14% 5.10% 5.12% 4.91% 4.85% 4.84% 4.97% 4.96% 4.46% $628 $593 $603 $547 $544 $509 $476 $448 $265 $273 $372 $384 $360 $353 $339 $552 $262 $208 $205 $197 $187 $206 $186 $191 44.0% 2Q-2020 42.9% 3Q-2020 34.5% 32.7% 36.4% 34.5% 36.0% 44.8% 46.5% 4Q-2020 1Q-2021 2Q-2021 3Q-2021 4Q-2021 1Q-2022 2Q-2022 45.8% 3Q-2022 47.8% 4Q-2022 45.7% 1Q-2023 Unfunded Commitment Utilization WAR Outstanding Principal ($MM) Excludes PPP loans; Outstanding Principal excludes unearned fees and discounts/premiums ($ millions) 24 Investor Presentation | First Quarter 2023 trico bancshares

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