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Bank of the Sierra
Porterville, CA·FDIC Cert #22597·Charter: STATE·Est. 19780119.0·HC: SIERRA BCORP
Total Assets
$3.8B
Q4 2025
Return on Assets
1.28%
+0.07%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.02%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
57
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.28%+0.07
ROE
10.96%+0.66
Efficiency
56.02%-0.36
Equity/Assets
0.00%+0.00
NPL Ratio
0.52%-0.04
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
87.58%+3.72
Charge-offs
0.39%+0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 1.2 | 1.3 | 1.3 | 1.1 | 1.2 | 1.2 | 1.3 |
| ROE | 10.6 | 11.0 | 11.1 | 11.1 | 9.6 | 10.4 | 10.3 | 11.0 |
| Efficiency | 56.9 | 56.1 | 55.7 | 55.9 | 57.5 | 57.0 | 56.4 | 56.0 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.3 | 0.5 | 0.9 | 0.8 | 0.6 | 0.6 | 0.5 |
| Charge-offs | 0.1 | 0.3 | 0.2 | 0.1 | -0.0 | 0.5 | 0.4 | 0.4 |
| Loan/Deposit | 74.3 | 74.8 | 77.5 | 79.4 | 79.9 | 80.9 | 83.9 | 87.6 |
Balance Sheet
Total Assets$3.8B
Total Deposits$2.9B
Total Loans$2.5B
Total Equity$442.1M
Profitability
ROA1.28%
ROE10.96%
Efficiency Ratio56.02%
Net Income$47.4M
Risk & Asset Quality
NPL Ratio0.52%
Charge-off Rate0.39%
Loan/Deposit87.58%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans