Bank of the Sierra
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Data as of · sourced from FFIEC call reports. How we update
Bank of the Sierra is an FDIC-insured commercial bank headquartered in Porterville, CA, established in 1978 (FDIC certificate 22597), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $3.72B, down 1.3% from Q2 2025, the 30th largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.25% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22597
- Headquarters
- Porterville, CA
- Established
- 1978
- Total assets, Q2 2026
- $3.72B
- Assets vs Q2 2025
- -1.3%
- Tier 1 leverage ratio, Q2 2026
- 12.25%
- Domestic offices
- 35 FDIC institution directory, current count
- Routing number
- 121137027
- Latest call report
- Q2 2026, FFIEC 041 · Bank of the Sierra call report
- Holding company
- SIERRA BANCORP
- Asset rank in state
- 30th of 113 in California
Bank of the Sierra, based in Porterville, California, reported $3.7 billion in assets at June 30, 2026, down 1.3% from a year earlier. It pays an average of 1.21% on its deposits and borrowings, lower than about three-quarters of the 880 banks with $1 billion to $10 billion in assets (median 2.01%). It also lost 1.6% of its deposits over the year, lower than about three-quarters of banks its size (median 5.1%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.43% of loans, down from 0.62% a year earlier.
As of June 30, 2026, Bank of the Sierra reported a return on assets of 1.23%, a nonperforming-loan ratio of 0.43% and a Texas ratio of 2.38%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bank of the Sierra is the 30th largest of the 113 banks headquartered in California. Between Q1 2026 and Q2 2026, its total assets fell 0.9% to $3.72B, loans fell 0.4% and deposits rose 0.1%. Non-owner-occupied commercial real estate loans made up 38.6% of its total loans on June 30, 2026, its largest category; next came loans to nondepository financial institutions at 18.6%. Its 35 offices in the FDIC Summary of Deposits are in 27 cities in CA; its Porterville 3 offices book 30% of its branch deposits. On its Q2 2026 call report, Bank of the Sierra meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 90 N Main St, Porterville, CA 93257
- County
- Tulare
- Metro Area
- Visalia, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 19, 1978
- Domestic offices
- 35 FDIC institution directory, current count
- Employees (FTE)
- 452
- Domestic deposits
- $2.94B
- Allowance for credit losses
- $23.6M
- Net charge-offs (YTD)
- $240K
- Average total assets
- $3.65B
- Average total loans
- $2.40B
- Average interest-bearing deposits
- $1.82B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 19, 1978
- FDIC Cert
- 22597
- Fed RSSD
- 662369
- SEC CIK
- 1130144 → filed by SIERRA BANCORP
- Website
- www.bankofthesierra.com →
- Parent Holding Company
- SIERRA BANCORP (RSSD 2976396) · BSRR
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Kevin J Mcphaill | CEO | President/CEO |
| Christopher G Treece | CFO | EVP/Chief Financial Officer |
| William J Wade | COO | EVP/Chief Operations Officer |
| Hugh F Boyle | CCO | EVP/Chief Credit Officer |
| Natalia M Coen | CRO | EVP/CRO |
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of the Sierra reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of the Sierra's total assets ranged from $3.55B (Q1 2024) to $3.83B (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$3.72B total assets against $3.77B; $3.27B total liabilities against $3.34B.
$2.43B net loans and leases against $2.41B; $2.94B total deposits against $2.98B.
$894.7M securities against $967.3M; $142.7M cash and balances due against $130.0M.
$40.9M total interest income against $42.7M; $9.5M total interest expense against $11.0M.
$31.4M net interest income against $31.7M.
$8.6M total noninterest income against $8.6M; $22.7M total noninterest expense against $22.9M.
$2.2M provision for credit losses against $1.2M.
$11.2M net income against $12.0M.
1.23% return on assets against 1.29%; 3.80% net interest margin against 3.75%.
12.25% tier 1 leverage ratio against 11.75%.
Inside the full Bank of the Sierra terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank of the Sierra rankings
Its closest position to the top of a national ranking is 344 of 4,196, for total assets; its furthest is 605 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.14% (Q1 2025) to 1.53% (Q4 2025) and its net interest margin ran from 3.75% (Q2 2025) to 3.90% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.25% | 1.23% | 0.43% | 2.38% | 3.80% |
| Q1 2026 | 12.05% | 1.51% | 0.42% | 2.40% | 3.77% |
| Q4 2025 | 11.94% | 1.53% | 0.52% | 3.39% | 3.90% |
| Q3 2025 | 11.73% | 1.18% | 0.56% | 3.66% | 3.89% |
| Q2 2025 | 11.75% | 1.29% | 0.62% | 3.53% | 3.75% |
| Q1 2025 | 12.11% | 1.14% | 0.79% | 4.22% | 3.80% |
| Q4 2024 | 11.80% | 1.28% | 0.84% | 4.67% | 3.76% |
| Q3 2024 | 11.70% | 1.30% | 0.45% | 2.45% | 3.78% |
Swipe the table sideways to see every column.
Branch Network
View all 35 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of the Sierra (main office) | Porterville , CA | 93257 | $764.4M |
| Santa Paula Branch | Santa Paula , CA | 93060 | $150.9M |
| Tehachapi Main Branch | Tehachapi , CA | 93561 | $144.7M |
| Cal Ave Branch | Bakersfield , CA | 93309 | $135.5M |
| Tulare Prosperity Branch | Tulare , CA | 93274 | $123.5M |
| Visalia Downtown Branch | Visalia , CA | 93291 | $122.1M |
| Hanford Branch | Hanford , CA | 93230 | $109.3M |
| Exeter Branch | Exeter , CA | 93221 | $107.2M |
| West Olive Branch | Porterville , CA | 93257 | $95.2M |
| Visalia Branch | Visalia , CA | 93277 | $86.6M |
| San Luis Obispo Branch | San Luis Obispo , CA | 93401 | $85.4M |
| Lindsay Branch | Lindsay , CA | 93247 | $85.2M |
| Filmore Branch | Fillmore , CA | 93015 | $68.2M |
| Fresno Palm Office | Fresno , CA | 93711 | $65.5M |
| Reedley Branch | Reedley , CA | 93654 | $64.6M |
| Dinuba Branch | Dinuba , CA | 93618 | $63.1M |
| Pismo Beach Branch | Pismo Beach , CA | 93449 | $61.6M |
| Ojai Community Bank Main Office Branch | Ojai , CA | 93023 | $60.0M |
| Bakersfield Ming Branch | Bakersfield , CA | 93311 | $52.6M |
| Paso Robles Branch | Paso Robles , CA | 93446 | $49.8M |
| Sunnyside Branch | Fresno , CA | 93727 | $49.2M |
| Woodlake Branch | Woodlake , CA | 93286 | $45.4M |
| Shaw Avenue Branch | Fresno , CA | 93710 | $40.8M |
| Clovis Branch | Clovis , CA | 93611 | $39.4M |
| Riverlakes Branch | Bakersfield , CA | 93308 | $37.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2017 | Structure Change | Acquired Ojai Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 9, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 9, 2016 | Structure Change | Acquired Coast National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 15, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 15, 2014 | Structure Change | Acquired Santa Clara Valley Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 20, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 20, 2000 | Structure Change | Acquired Sierra National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in CA, rank 48 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 28 applications, 26 loans originated, $19.2M originated, across 1 states
- Period: Calendar year 2020. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $120K approved, $120K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of the Sierra
What are Bank of the Sierra's total assets?
As of the Q2 2026 filing, Bank of the Sierra reported total assets of $3.72 billion in its FFIEC call report.
Where is Bank of the Sierra headquartered?
It is headquartered in Porterville, CA, United States.
When was Bank of the Sierra founded?
It was established in 1978, per the FDIC institution directory.
Is Bank of the Sierra FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22597). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of the Sierra?
Bank of the Sierra's primary federal regulator is the FDIC.
How many branches does Bank of the Sierra operate?
It operates 35 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of the Sierra's Texas Ratio?
Its Texas Ratio is 2.38% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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