Investor Presentaiton

Deposits: Strength in Cost of Funds ➤ Relationship focused market share growth. Continued best in class total deposit Beta; (less than 4.42% rate rise cycle to date) $8,714 $8,757 $8,656 $8,329 $8,026 $7,367 $7,237 $6,992 $6,863 $3,583 $3,604 $6,506 $3,678 $6,248 $6,341 $3,502 $3,237 13 $5,403 $2,943 $2,980 $2,767 $2,844 $2,582 $2,487 $2,518 $1,883 $4,783 $4,825 $4,674 $4,603 $4,443 $3,101 $3,363 $3,446 $3,580 $3,769 $3,824 $3,967 $4,090 $419 $399 $376 $345 $328 $324 $327 $298 $349 $327 $304 $224 $346 Q1'20 Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Q1'23 Cost of Deposits Noninterest-Bearing Demand Int-Bearing Demand & Savings 0.16% 0.09% 0.06% 0.05% 0.04% 0.04% 0.05% 0.03% 0.04% 0.05% 0.07% 0.17% 0.39% Time Deposits 1.23% 1.09% 0.89% 0.68% 0.64% 0.55% 0.52% 0.45% 0.36% 0.26% 0.23% 0.32% 0.89% Total Deposits 0.19% 0.12% 0.09% 0.07% 0.06% 0.05% 0.05% 0.04% 0.04% 0.04% 0.04% 0.10% 0.25% Interest-bearing Deposits 0.29% 0.20% 0.15% 0.12% 0.10% 0.08% 0.08% 0.06% 0.06% 0.07% 0.08% 0.18% 0.42% Balances presented in millions, end of period Investor Presentation | First Quarter 2023 trico bancshares

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