HIGHBuilt-inLoan_portfolio
92.8%
real estate collateralized loans
“10-K Item 1A: 'approximately 92.8% of the book value of our loan portfolio consisted of loans collateralized by various types of real estate'”
TCBK · Concentration risk · 10-K extracted
TriCo Bancshares (TCBK) concentration risks
Updated
The most significant concentration TriCo Bancshares discloses is real estate collateralized loans at 92.8%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: TriCo Bancshares’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH3
MEDIUM0
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inLoan_portfolio
67.6%
commercial real estate loans
“10-K Item 1A: 'we had approximately $4.6 billion of commercial real estate loans outstanding, which represented approximately 67.6% of our total loan portfolio'”
HIGHBuilt-inGeographic
California
“10-K Item 1A: 'Substantially all of our real estate collateral is located in California'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06TriCo Bancshares' concentration risks are structural and geographically compounding. Approximately 92.8% of the book value of the loan portfolio consists of loans collateralized by real estate, a high-share structural exposure, and within that, commercial real estate loans alone make up 67.6% of the total loan portfolio — also high-share and structural. Compounding both figures, substantially all of that real estate collateral is located in California, a high-share structural geographic exposure. These three disclosures describe the same underlying risk viewed from three angles rather than three separate risks: an asset class concentration (real estate collateral), a sub-segment concentration within it (commercial real estate), and a geographic concentration (California) that determines where that collateral sits. None of these are counterparty-specific dependencies — they are structural features of how the bank has built its loan book — which means the risk is macro- and regional-cyclical rather than tied to any single borrower or relationship. A downturn in California real estate values, particularly commercial property, would flow through nearly the entire loan portfolio simultaneously rather than being contained to an isolated segment, making this the dominant concentration theme for the institution.
For the engine’s reasoning on TCBK’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| TCBK● | TriCo Bancshares | 3 | 0 | 0 | 3 |
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.