TriCo Bancshares is a bank holding company. The company offers banking services to retail customers and small to medium-sized businesses through its branch offices in Northern and Central California. The bank operates from over 50 traditional branches and over 10 in-store branches. It conducts a commercial banking business, including accepting demand, savings and time deposits, and making the commercial, real estate, and consumer loans. In addition, it also offers installment note collection, issues cashier's checks sells traveler's checks and provides safe deposit boxes and other customary banking services. The bank has emphasized on retail banking and it serves the needs of local businesses, farmers and ranchers, retired individuals and wage earners.