Trico Bancshares (TCBK) risk factors

53 risks, 4 new, 2 dropped, 25 reworded since the prior year. 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.

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.