Sierra Bancorp
sierrabancorp.comWhat Do They Do?
Provides retail and commercial banking services, including loans and deposit accounts, to individuals and businesses in California.
10-K for FY2025, filed Feb 27, 2026Bank of the Sierra, a California state-chartered bank headquartered in Porterville, California, offers a wide range of retail and…View ↗
Our chief products and services are making loans and accepting deposits. Lending activities cover real estate, commercial (including small…View ↗
In addition to loans, we offer a wide range of deposit products and services for individuals and businesses, including checking accounts…View ↗
How Do They Make Money?
The bank earns interest and fees from loans and charges retail and business customers for deposit-account services. Deposit fees are set at agreed rates and earned as services are provided; debit-card income comes from customers’ use of card networks.
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10-K for FY2025, filed Feb 27, 2026
FY2025 revenue by product or service (Service charges and fees on deposit accounts) ↗
$171.4M
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10-K for FY2025, filed Feb 27, 2026
$171.4M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Returned item and overdraft fees
|
22%
FY2022: 25%
|
Returned item and overdraft fees, FY2025
$5.2M Sources
|
|
|
Other service charges on deposits
|
43%
FY2022: 35%
|
Other service charges on deposits, FY2025
$10.2M Sources
|
|
|
Debit card interchange income
Usage-based
|
34%
FY2022: 41%
|
Debit card interchange income, FY2025
$8.1M Sources
|
Usage-based |
Who Are Their Customers?
Individuals and businesses use the bank’s branches and digital banking services for deposits and loans. The bank attracts deposit customers through referrals and direct-mail campaigns.
10-K for FY2025, filed Feb 27, 2026Bank of the Sierra, a California state-chartered bank headquartered in Porterville, California, offers a wide range of retail and…View ↗
We have ATMs at all but one of our branch locations and at six non-branch locations. Additionally, the Bank is a member of the Allpoint…View ↗
In addition to loans, we offer a wide range of deposit products and services for individuals and businesses, including checking accounts…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 25 cents of every revenue dollar as net income in FY2025 and turned 19 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Jul 31, 2026
Open tableView ↗
Who Do They Compete With?
Competes with Wells Fargo Bank, Bank of America, JPMorgan Chase, and U.S. Bank
10-K for FY2025, filed Feb 27, 2026Commercial bank competitors are dominated by a relatively small number of major banks operating a large number of offices within our…View ↗
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