BanksBANK OF THE SIERRA

BANK OF THE SIERRA

PORTERVILLE, CALargeEst. Jan. 19, 1978, midnightFDIC #22597RSSD #662369FDIC
Latest · 2025-12-31

BANK OF THE SIERRA is an 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%. CET1 capital ratio: 10.92%, well above regulatory minimums. NPL ratio: 0.52% · Texas Ratio: 3.19%. Operates 36 domestic branches.

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 Margin3.81%
Yield on Assets5.00%
Cost of Funds1.36%

Asset Quality

NPL Ratio0.52%
Net Charge-Off Ratio0.37%
Texas Ratio3.19%
NPA Ratio0.39%
ACL / Loans0.84%

Capital & Liquidity

CET1 Ratio10.92%
Tier 1 Capital10.92%
Total Capital Ratio11.46%
Leverage Ratio11.94%
Loan-to-Deposit88.33%

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