TriCo Bancshares vs National Bank Holdings
TriCo Bancshares and National Bank Holdings are compared on business models, financial performance, and market context to provide a clear, neutral view. The page presents strategy, governance, risk factors, and competitive positioning without favour or forecast. Educational content, not financial advice.
TriCo Bancshares and National Bank Holdings are compared on business models, financial performance, and market context to provide a clear, neutral view. The page presents strategy, governance, risk fa...
Investment Analysis
TriCo Bancshares
TCBK
Pros
- Net income rose 17.1% year-on-year in the third quarter of 2025, reflecting strong earnings momentum.
- Loan balances grew 4.8% annually, indicating healthy credit demand and portfolio expansion.
- Efficiency ratio improved to 56.18%, showing better cost management and operational discipline.
Considerations
- Deposit balances declined 2.0% annualized in the latest quarter, raising concerns about funding stability.
- Net interest income fell short of analyst estimates, suggesting margin pressures or competitive challenges.
- Market capitalization decreased over the past 30 days, indicating recent investor caution.
Pros
- Maintains a diversified community banking footprint across several states, supporting regional growth opportunities.
- Demonstrates consistent profitability with stable net interest margins in recent quarters.
- Strong capital ratios and low loan loss provisions reflect prudent risk management practices.
Considerations
- Exposed to regional economic fluctuations, which could impact loan performance and asset quality.
- Limited scale compared to larger regional banks, constraining pricing power and operational efficiencies.
- Dividend yield is below sector average, reducing appeal for income-focused investors.
Which Baskets Do They Appear In?
No baskets available in this category
Which Baskets Do They Appear In?
No baskets available in this category
Buy TCBK or NBHC in Nemo
Zero Commission
Trade stocks, ETFs, and more with zero commission. Keep more of your returns.
Trusted & Regulated
Part of Exinity Group 2015, serving over a million customers globally.
6% Interest on Cash
Earn 6% AER on uninvested cash with daily interest payments.
Discover More Comparisons
TriCo Bancshares vs Bladex
TriCo Bancshares vs Bladex
TriCo Bancshares vs Live Oak
TriCo Bancshares vs Live Oak
TriCo Bancshares vs Oxford Lane Capital
TriCo Bancshares vs Oxford Lane Capital