Chico, California, February 19, 2026–(BUSINESS WIRE)–Tri-Counties Bank has released a new study examining how U.S. small business owners are using artificial intelligence and their expectations for its future impact. This study highlights current adoption trends, anticipated benefits, and new opportunities.
“AI is rapidly reshaping business operations. To better understand the impact of AI on productivity, efficiency and growth, we partnered with an independent research firm to conduct an in-depth study of the use of AI in small and medium-sized businesses,” said Rick Smith, president and CEO of Tri Counties Bank. “Our goal in producing findings like this is to provide valuable insights and resources that support the continued growth and prosperity of small businesses in our communities.”
This research shows strong and growing interest in AI among small and medium-sized businesses. Key findings include:
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Most small businesses are already leveraging some form of AI and expect it to significantly increase productivity and reduce labor costs.
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83% of executives believe AI will have a positive impact on their business.
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73% currently use AI, and 20% use AI extensively. A further 14% plan to adopt it in the future.
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The main goals of AI implementation include increasing productivity, improving accuracy, automating daily tasks, creating reports and documents, and increasing profitability.
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Top AI-supported back-office functions among current users include marketing and creative content, data entry, and document management.
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The majority expects labor costs to fall by 6-20%, primarily among full-time and part-time staff, while the impact on managers is expected to be minimal. Only 22% predict no layoffs if AI is implemented.
The full report is available at:
https://www.tcbk.com/application/files/8617/6849/9608/Small-Businesses-and-AI-Report.pdf
About Tri Counties Bank
Founded in 1975, Tri Counties Bank is a wholly owned subsidiary of TriCo Bancshares (NASDAQ: TCBK), headquartered in Chico, California, with offices in Roseville, South San Francisco and Bakersfield, with approximately $10 billion in assets and 50 years of financial stability. Tri Counties Bank is dedicated to providing superior service to individuals and businesses throughout California, with more than 75 locations, advanced mobile and online banking, and access to approximately 40,000 fee-free ATMs nationwide. as regional banks in californiaTri Counties Bank prioritizes serving customers with local bankers and local decisions backed by corporate philanthropy, community engagement, employee volunteerism and investment. Recognized as a “Top Workplace” and “Best Bank” by various publications, Tri Counties Bank recruits and retains a diverse and talented team of members. For more information, visit TriCountiesBank.com. Member of the FDIC. Equality Housing Finance Company. NMLS #458732.
