Investor Presentation | Fourth Quarter 2023

CRE Collateral Values 100% Distribution by LTV (1) 90% LTV Range ■ <= 60% ■>60%-75% 80% 70% 60% 70% ■> 75% 50% 52% 40% 30% 29% 20% 46% 80% 20% 62% 38% Avg Loan Outstanding Loan Segment LTV # Loans Size (SMM) (000s) CRE Non Owner Occupied Retail Building $2,238 53% 1,505 $1,487 $574 53% 349 $1,644 Office Building $467 57% 364 $1,282 Hotel/Motel $335 49% 94 $3,563 Light Industrial $169 53% 183 $923 Self Storage $135 51% 49 $2,749 Other $559 51% 466 $1,199 89% Multifamily $954 61% 515 $1,853 CRE Owner Occupied $963 59% 1,203 $801 Total $4,155 56% 3,223 $1,289 72% 24% 39% 60% 10% 11% 2% 3% 0% 0% 0% 4% 1% 0% Retail Building Office Building Hotel/Motel Light Industrial Self Storage Other Multifamily CRE Non-Owner Occupied by Collateral Type (1) LTV as of most recent origination or renewal date. 22 Investor Presentation | Fourth Quarter 2023 49% 44% 7% CRE Owner Occupied trico bancshares

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