Investor Presentation | Fourth Quarter 2023

Current Operating Metrics Net Interest Margin (FTE) Efficiency Ratio 4.47% 4.22% 4.30% 3.96% 3.88% 3.96% 3.58% 65.4% 63.7% 59.7% 58.4% 55.8% 53.2% 53.0% 2017 2018 2019 2020 2021 2022 2023 2017 2018 2019 2020 2021 2022 2023 PPNR as % of Average Assets 1.94% 1.91% 1.97% 1.83% 1.87% 1.70% 1.73% 2017 2018 2019 2020 2021 2022 2023 2023 values through the nine months ended 9/30/2023, annualized where applicable 33 Investor Presentation | Fourth Quarter 2023 0.89% ROAA 1.43% 1.43% 1.24% 1.28% 1.19% 0.91% 2017 2018 2019 2020 2021 2022 2023 trico bancshares

View entire presentation