Bank of the Sierra: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 12.87 percentage points higher than in Q1 2026, at 86.55%. Within California, Bank of the Sierra is 43rd of 114 on return on assets, 1.23% as of Q2 2026, above the middle of the field. Bank of the Sierra reported 1.23% on return on assets for Q2 2026, 0.05 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.25% |
| Equity capital to assets | 12.02% |
| Tangible equity to tangible assets | 11.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.11% |
| Non-performing assets ratio | 0.73% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 6.15% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 86.55% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.23% |
| Return on equity | 10.13% |
| Net interest margin | 3.80% |
| Efficiency ratio | 56.04% |
| Yield on earning assets | 4.93% |
| Cost of funds | 1.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.67% |
| Core deposits to total deposits | 81.11% |
| Brokered deposits to total deposits | 10.81% |
| Deposits to assets | 78.94% |
| Securities to assets | 24.06% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.05% | 1.19% | 3.36% | 0.04% | 0.01% |
| Q4 2023 | 11.29% | 0.82% | 3.38% | 0.38% | 0.61% |
| Q1 2024 | 11.57% | 1.21% | 3.67% | 0.66% | 0.09% |
| Q2 2024 | 11.60% | 1.29% | 3.76% | 0.29% | 0.44% |
| Q3 2024 | 11.70% | 1.30% | 3.78% | 0.49% | 0.03% |
| Q4 2024 | 11.80% | 1.28% | 3.76% | 0.89% | 0.04% |
| Q1 2025 | 12.11% | 1.14% | 3.80% | 0.83% | -0.04% |
| Q2 2025 | 11.75% | 1.29% | 3.75% | 0.65% | 1.09% |
| Q3 2025 | 11.73% | 1.18% | 3.89% | 0.61% | 0.03% |
| Q4 2025 | 11.94% | 1.53% | 3.90% | 1.23% | 0.47% |
| Q1 2026 | 12.05% | 1.51% | 3.77% | 1.17% | 0.05% |
| Q2 2026 | 12.25% | 1.23% | 3.80% | 1.11% | -0.01% |
Bank of the Sierra vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of the Sierra, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of the Sierra profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 22597) · FFIEC NIC profile (RSSD 662369)