BANK OF THE SIERRA

PORTERVILLE, CA | Large | Est. Jan. 19, 1978, midnight | FDIC #22597 | RSSD #662369 | FDIC
Latest Report: 2025-12-31

BANK OF THE SIERRA is aln large FDIC-insured commercial bank headquartered in PORTERVILLE, CA, established in Jan. 19, 1978, midnight. As of 2025-12-31, the bank reported total assets of $3.8B and total deposits of $2.9B. Profitability stands at 1.51% ROA and 12.93% ROE, with a net interest margin of 3.81%. The bank's CET1 capital ratio is 10.27%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.52% and a Texas Ratio of 3.19%. FDIC Certificate #22597.

Assets

$3.8B

Deposits

$2.9B

Loans

$2.5B

Equity

$442M

Profitability

Return on Assets (ROA) 1.51%
Return on Equity (ROE) 12.93%
Net Interest Margin (NIM) 3.81%
Yield on Assets 5.00%
Cost of Funds 2.53%

Asset Quality

NPL Ratio 0.52%
Net Charge-Off Ratio 0.37%
Texas Ratio 3.19%
NPA Ratio 0.39%
ACL / Loans 0.84%

Capital & Liquidity

CET1 Ratio 10.27%
Tier 1 Capital 10.27%
Total Capital Ratio 10.78%
Leverage Ratio 11.94%
Loan-to-Deposit 88.33%

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