Trico Bancshares (TCBK) risk factors

Item 1A of every Trico Bancshares 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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FY2025 10-K risk factors
53 risks4 new2 dropped25 reworded
Added system-wide bank contagion, credit/debit card standard, technology, and AI risks. Removed specific 2023 bank failure and interbank risk descriptions. Reworded credit loss methodologies, real estate cycles, acquisition, and cybersecurity vendor risks.
Filed Mar 02, 2026
FY2024 10-K risk factors
51 risks
The company relies heavily on commercial real estate and loan portfolios concentrated in California. Operations face substantial cybersecurity threats, technological disruption risks, and strict regulatory oversight. Financial results depend strongly on interest rate movements and liquidity management.
Filed Mar 03, 2025