Sign in

BSRR on Nasdaq

Bank of the Sierra

Logo: bankofthesierra.com4

Bank of the Sierra is a regional bank in California founded in 1977.1 It is headquartered in Porterville.1 Its shares trade on Nasdaq under the symbol BSRR.1

Price unavailable

Last updated Oct 21, 2026.

Overview

Sep 14, 1977Founded1

Compare with another stock.

  • TickerBSRR on Nasdaq1
  • IndustryState Commercial Banks1
  • HeadquartersPorterville1
  • Websitewww.bankofthesierra.com
  • Incorporated inCA5
  • Business address86 North Main Street, Porterville, Ca 932575
  • Filer categoryAccelerated filer5
  • Legal formCorporation3
  • LEI5493003HTEY5OCC5SP273
  • StatusActive3
  • LEI statusIssued and current3
  • Registered address90 North Main Street, 93257 Porterville, United States3
  • Registered withFederal Deposit Insurance Corporation, 225973

See how the biggest companies compare on our leaderboards

Sierra Bancorp (the “Company”) is a California corporation headquartered in Porterville, California, and is a registered bank holding company under federal banking laws. The Company was formed to serve as the holding company for Bank of the Sierra (the “Bank”). The Company has been the Bank’s sole shareholder since August 2001. The Company exists primarily for the purpose of holding the stock of the Bank and of such other subsidiaries it may acquire or establish. As of December 31, 2025, the Company’s only other subsidiaries were Sierra Statutory Trust II, Sierra Capital Trust III, and Coast Bancorp Statutory Trust II, which were formed solely to facilitate the issuance of capital trust pass-through securities (“TruPS”). Pursuant to the Financial Accounting Standards Board (“FASB”) standard on the consolidation of variable interest entities, these trusts are not reflected on a consolidat…7 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Other Service Charges on Deposits brought in 43% of the revenue Bank of the Sierra broke down this way in fiscal 2025.

  1. Other Service Charges on Deposits$10.2M843%down 3% from 2024
  2. Debit Card$8.1M834%down 1% from 2024
  3. Returned Item and Overdraft Fees$5.2M822%down 5% from 2024
Products and services by year
Products and services202320242025
Other Service Charges on Deposits$9.8M$10.5M$10.2M
Debit Card$8.1M$8.1M$8.1M
Returned Item and Overdraft Fees$5.3M$5.5M$5.2M

Financial statements

Net income91011128$42.3M in 2025+18% since 2019
0$20.0M$40.0M$60.0M2019: $36.0M$36.0M20192020: $35.4M$35.4M2020−1%2021: $43.0M$43.0M2021+21%2022: $33.7M$33.7M2022−22%2023: $34.8M$34.8M2023+4%2024: $40.6M$40.6M2024+16%2025: $42.3M$42.3M2025+4%

Every line of the income statement as filed: the last 3 fiscal years, latest first.8

Period ending2025-12-312024-12-312023-12-31
Loans, including fees$128.0M$114.3M$96.8M
Taxable securities$35.8M$48.7M$54.4M
Tax-exempt securities$6.4M$6.7M$10.9M
Federal funds sold and other$1.3M$2.7M$1.1M
Total interest income$171.4M$172.3M$163.1M
Deposits$36.5M$43.4M$31.6M
Federal funds purchased and repurchase agreements$2.3M$462.0K$5.2M
Federal Home Loan Bank advances$3.6M$3.8M$9.3M
Long-term debt$1.7M$1.7M$1.7M
Subordinated debentures$2.6M$3.0M$2.9M
Total interest expense$46.7M$52.3M$50.7M
Net interest income$124.7M$120.0M$112.4M
Credit loss expense - loans$6.1M$4.6M$4.1M
Credit loss (benefit) expense - unfunded commitments$200.0K-$330.0K
Credit loss (benefit) expense - debt securities held-to-maturity-$1.0K-$47.0K
Net interest income after credit loss expense$118.6M$115.2M$108.7M
Net (loss) gain on sale of securities available-for-sale$120.0K-$2.7M$396.0K
Net (loss) gain on sale of fixed assets-$52.0K$3.8M$15.3M
Increase in cash surrender value of life insurance$2.6M$2.6M$1.8M
Realized gain (loss) on available-for-sale securities$66.0K-$14.5M
Other income$4.4M$3.5M$4.4M
Total noninterest income$30.6M$31.5M$30.4M
Salaries and employee benefits$51.1M$50.3M$51.0M
Occupancy and equipment$12.5M$12.4M$10.2M
Other$29.2M$30.2M$31.5M
Total noninterest expense$92.8M$92.9M$92.7M
Income before taxes$56.3M$53.9M$46.5M
Provision for income taxes$14.0M$13.3M$11.6M
Net income$42.3M$40.6M$34.8M
Earnings per share, basic (in dollars per share)$3.14$2.84$2.37
Earnings per share, diluted (in dollars per share)$3.11$2.82$2.36
Weighted average shares outstanding, basic (in shares)13.5M shares14.3M shares14.7M shares
Weighted average shares outstanding, diluted (in shares)13.6M shares14.4M shares14.7M shares

Compare Bank of the Sierra with another company

Corporate structure

Bank of the Sierra sits at the top of its group. 4 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Bank of the Sierra

  • VANGUARD GROUP INC Filed SCHEDULE 13G/A on Bank of the Sierra, latest Mar 27, 2026 (5 filings since Nov 4, 2024)
  • BlackRock Filed SCHEDULE 13G/A on Bank of the Sierra, latest Apr 24, 2025 (5 filings since Feb 3, 2022)
  • DIMENSIONAL FUND ADVISORS LP Filed SC 13G/A on Bank of the Sierra, latest Feb 9, 2024 (3 filings since Feb 8, 2022)
  • Bank of the Sierra Porterville, California, United States
    • Coast Bancorp Statutory Trust II Subsidiary · Delaware, United States
    • Sierra Capital Trust III Subsidiary · Delaware, United States
    • Sierra Statutory Trust II Subsidiary · Connecticut, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Bank of the Sierra reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$46.3M8 Dec 31, 2025$45.9M8 Dec 31, 2024+0.8%
Accumulated depreciation$31.3M8 Dec 31, 2025$30.7M8 Dec 31, 2024+2.1%
Property and equipment, net$15.0M8 Dec 31, 2025$15.4M8 Dec 31, 2024−3.0%
Operating-lease assets (leased space)$26.5M8 Dec 31, 2025$27.8M8 Dec 31, 2024−4.7%

Real estate and locations

ItemLatestA year beforeChange
Real estate properties012 Dec 31, 2024011 Dec 31, 2023

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$135.6M8 Dec 31, 2025$100.7M8 Dec 31, 2024+34.7%
Loans, net of allowance$2.5B8 Dec 31, 2025$2.3B8 Dec 31, 2024+9.5%
Deposits held (banks)$2.9B8 Dec 31, 2025$2.9B8 Dec 31, 2024−0.5%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$27.4M8 Dec 31, 2025$27.4M8 Dec 31, 20240%
Finite-lived intangibles, net$52.0K8 Dec 31, 2025$618.0K12 Dec 31, 2024−91.6%

Properties, in its own words

The Company’s administrative headquarters is housed in a 37,000 square foot, three-story office building located at 86 North Main Street, Porterville, California, and our main office consists of a one-story brick building located at 90 North Main Street, Porterville, California, adjacent to our administrative headquarters. The administrative headquarters, as well as four other branch offices, namely California City, Farmersville, Lompoc, and San Luis Obispo are situated on unencumbered property owned by the Company. The remaining branches, technology center, and remote ATM locations are leased from unrelated parties. Management believes that existing back-office facilities are adequate to accommodate the Company’s operations for the foreseeable future.

Item 2 of the 10-K filed Feb 27, 2026.7

Leadership

Who has led Bank of the Sierra, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Kevin J. McPhaill2015–now

President

  1. James C. Holly2006–2014
  2. Kevin J. McPhaill2014–now

Chief financial officer

  1. Christopher G. Treece2020–now

Chief operating officer

  1. Kevin J. McPhaill2014
19801990200020102020
Board members and other officers (27)

Named in SEC Form D filings

People the company listed in its private-offering notices.

  • Executive OfficerJennifer Johnson named Oct 6, 202147
  • DirectorSusan Abundas named Oct 6, 202147

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • Bank of the Sierra California6
  • Coast Bancorp Statutory Trust II Delaware6
  • Sierra Capital Trust III Delaware6
  • Sierra Statutory Trust II Connecticut6

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Timeline

  1. Sep 8, 20268-K Regulation FD disclosure48
  2. Jul 27, 20268-K Other events49
  3. Jul 27, 20268-K Regulation FD disclosure50
  4. Jul 27, 20268-K Results of operations51
  5. Jul 24, 20268-K Other events52
  6. May 21, 20268-K Shareholder vote53
  7. May 4, 20268-K Regulation FD disclosure54
  8. Apr 27, 20268-K Results of operations55
  9. Apr 24, 20268-K Other events56
  10. Apr 20, 20268-K Executive or director change57
  11. Feb 2, 20268-K Results of operations58
  12. Feb 2, 20268-K Regulation FD disclosure59
  13. Apr 15, 2015New chief executive Kevin J. McPhaill becomes CEO16
  14. Sep 14, 1977Founded Founded1

Calendar

Coming up

  1. Oct 26, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported $0.72 a share, on Oct 27, 2025.60

When it reported results

  1. Jul 27, 2026Reported quarterly or annual results51
  2. Apr 27, 2026Reported quarterly or annual results55
  3. Feb 2, 2026Reported quarterly or annual results58
  4. Oct 27, 2025Reported quarterly or annual results61
  5. Jul 28, 2025Reported quarterly or annual results62
  6. Apr 28, 2025Reported quarterly or annual results63
  7. Jan 27, 2025Reported quarterly or annual results64
  8. Oct 21, 2024Reported quarterly or annual results65

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

373 filings to the SEC since October 2021: 7 annual reports, 15 quarterly reports, 80 major events, 205 insider forms, 13 large holders, 2 private raises, 51 other. The latest 20:

  1. Sep 8, 20268-K EDGAR
  2. Aug 3, 20264 PRIMARY DOCUMENT EDGAR
  3. Jul 31, 202610-Q EDGAR
  4. Jul 27, 20268-K EDGAR
  5. Jul 27, 20268-K EDGAR
  6. Jul 27, 20268-K EDGAR
  7. Jul 24, 20268-K EDGAR
  8. May 29, 2026144 EDGAR
  9. May 29, 20264 PRIMARY DOCUMENT EDGAR
  10. May 22, 2026144 EDGAR
  11. May 22, 20264 PRIMARY DOCUMENT EDGAR
  12. May 21, 20268-K EDGAR
  13. May 20, 20264 PRIMARY DOCUMENT EDGAR
  14. May 19, 20263 PRIMARY DOCUMENT EDGAR
  15. May 18, 2026144 EDGAR
  16. May 12, 20264 PRIMARY DOCUMENT EDGAR
  17. May 8, 2026144 EDGAR
  18. May 4, 20268-K EDGAR
  19. May 1, 202610-Q EDGAR
  20. Apr 27, 20268-K EDGAR

The 373 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

60 open-market trades by officers, directors and large owners since October 2021: 7 buys and 53 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Jul 31, 2026Castle Julie GDirectorSale1,000$40.70$40.7KForm 4
May 29, 2026Boyle Hugh FEVP/Chief Credit OfficerSale10,000$38.21$382.1KForm 4
May 22, 2026Treece Christopher GEVP/Chief Financial OfficerSale10,000$38.18$381.8KForm 4
May 18, 2026Christenson Vonn RDirectorSale1,053$38.01$40.0KForm 4
May 8, 2026Christenson Vonn RDirectorSale3,947$38.05$150.2KForm 4
Feb 13, 2026Castle Julie GDirectorSale250$37.52$9.4KForm 4
Feb 10, 2026McPhaill Kevin JPresident/CEOSale8,913$36.94$329.2KForm 4
Feb 9, 2026McPhaill Kevin JPresident/CEOSale3,319$37.02$122.9KForm 4
Feb 6, 2026McPhaill Kevin JPresident/CEOSale7,768$37.98$295.0KForm 4
Feb 5, 2026Castle Julie GDirectorSale750$37.93$28.4KForm 4
Feb 5, 2026HOLLY JAMES CDirectorSale5,000$37.93$189.7KForm 4
Jan 15, 2026Scearcy LyndaDirectorSale5,000$35.00$175.0KForm 4
Dec 10, 2025Abundis Susan MDirectorSale600$33.50$20.1KForm 4
Dec 9, 2025Scearcy LyndaDirectorSale100$32.68$3.3KForm 4
Dec 3, 2025Dabney Cindy LSVP/Chief Accounting OfficerSale3,443$32.00$110.2KForm 4
Nov 17, 2025Dutto Laurence SDirectorBuy400$28.78$11.5KForm 4
Nov 10, 2025Scearcy LyndaDirectorSale1,000$30.00$30.0KForm 4
Aug 8, 2025Olague MichaelEVP/Chief Banking OfficerSale9,193$28.41$261.2KForm 4
Jul 31, 2025Castle Julie GDirectorSale976$29.25$28.5KForm 4
Jul 1, 2025Scearcy LyndaDirectorSale4,297$30.02$129.0KForm 4

All 60 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Kevin J. McPhaill$665.6K$1.9M69
2025Michael W. Olague$441.0K$966.4K69
2025Christopher G. Treece$441.0K$960.9K69
2025Hugh F. Boyle$441.0K$905.3K69
2025Natalia Coen$400.0K$801.6K69
2024President and$665.6K$1.4M69
2024Executive VicePresident$441.0K$737.1K69
2023Chief Executive Officer$633.9K$1.5M69
2023and Chief Credit Officer$435.8K$833.8K69
2023and Chief Banking Officer$420.1K$823.6K69
2023and Chief Financial Officer$420.0K$819.5K69
2023and Chief Risk Officer$112.3K$573.6K69

Money raised

Private offerings the company reported to the SEC on Form D.

  1. Sep 24, 2021Raised $50 million in a private offering of debt Form D: 28 investors so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.1,306,403$53.2M0.0%+61,492
Dimensional Fund Advisors LP921,629$37.6M0.0%−7,597
Vanguard Capital Management LLC527,029$21.5M0.0%−13,422
Jupiter Topco LLC438,288$17.9M0.0%New
Private Management Group Inc434,075$17.7M0.5%−90,149
American Century Companies Inc372,676$15.2M0.0%+70,811
Manufacturers Life Insurance Company, The357,606$14.6M0.0%−2,340
Geode Capital Management, LLC315,368$12.9M0.0%+30,024
State Street Corp276,592$11.3M0.0%+9,632
Fmr LLC212,021$8.6M0.0%−3,476
Renaissance Technologies LLC185,812$7.6M0.0%+4,965
Basswood Capital Management, L.l.c.184,089$7.5M0.3%+44,413
Northern Trust Corp175,804$7.2M0.0%+15,068
Bridgeway Capital Management, LLC135,101$5.5M0.1%+5,869
Morgan Stanley123,092$5.0M0.0%−7,509
Vanguard Portfolio Management LLC99,574$4.1M0.0%+30,076
Banc Funds Co LLC99,255$4.0M0.7%−14,000
Arrowstreet Capital, Limited Partnership98,078$4.0M0.0%−541
Hotchkis & Wiley Capital Management LLC93,959$3.8M0.0%−13,400
Bank of New York Mellon Corp92,746$3.8M0.0%−653
Empowered Funds, LLC82,101$3.3M0.0%+5,869
Vanguard Fiduciary Trust Co77,866$3.2M0.0%+831
Goldman Sachs Group Inc52,083$2.1M0.0%−32,921
Fisher Asset Management, LLC48,502$2.0M0.0%−1,760
Federated Hermes, Inc.46,752$1.9M0.0%+3,826

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How Bank of the Sierra is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARSIERRA BANCORP2
  • CIK0001130144
  • Employer ID (EIN)33-09375177
  • Filer statusAccelerated filer not an emerging growth company; not a smaller reporting company; not a shell company7
  • Incorporated inCalifornia7
  • Fiscal year endsDecember 312
  • Industry code (SIC)6022 State Commercial Banks2
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance2
  • Business address86 North Main Street, Porterville, CA 932572
  • Phone55978249002
  • Shares outstanding12,963,397 as of Jul 27, 202613
  • Public float$364.0M as of Jun 30, 20257
  • AuditorForvis Mazars, LLP, Denver, Colorado PCAOB ID 686; it also attests to the company’s internal control over financial reporting7
  • On EDGAR sinceJan 4, 20012
  • Filings1,355 in all: 4 (656), 8-K (235), 10-Q (77), 5 (51), SC 13G/A (42), 4/A (38), 144 (32), SC 13G (30)2
    All 43 form types

    10-K (25), DEF 14A (24), 3 (21), ARS (18), DEFA14A (13), CORRESP (11), UPLOAD (10), 5/A (6), S-4/A (6), 425 (5), SC 13D/A (5), 10-K/A (4), EFFECT (4), PRE 14A (4), S-8 (4), DFAN14A (3), S-4 (3), SCHEDULE 13G/A (3), 424B3 (2), 8-K/A (2), D (2), DEFC14A (2), DEFR14A (2), PREC14A (2), S-3 (2), SC 13D (2), 3/A (1), 424B5 (1), 8-A12G (1), D/A (1), NT 10-K (1), PREN14A (1), PRER14A (1), PRRN14A (1), SCHEDULE 13G (1)

  • Latest filingsAnnual report (10-K) Feb 27, 2026
    Quarterly report (10-Q) Jul 31, 2026
    Proxy statement (DEF 14A) Apr 7, 2026
    Latest 8-K (8-K) Sep 8, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, No Par ValueBSRRThe Nasdaq Stock Market LLC

From the cover page of the 10-K filed Feb 27, 2026 (Section 12(b) of the Exchange Act).7

Risk factors and legal proceedings

Legal proceedings

For information on litigation matters, see Note 14, Commitments and Contingencies, in Item 8 of this report.

The opening of Item 3, Legal Proceedings.7

Sources

The numbers on this page point here. Each one links to the record it came from.

  1. 1
  2. 2
  3. 3
  4. 4
  5. 5
  6. 6
  7. 7
  8. 8
  9. 9
  10. 10
  11. 11
  12. 12
  13. 13
  14. 14
  15. 15
  16. 16
  17. 17
  18. 18
  19. 19
  20. 20
  21. 21
  22. 22
  23. 23
  24. 24
  25. 25
  26. 26
  27. 27
  28. 28
  29. 29
  30. 30
  31. 31
  32. 32
  33. 33
  34. 34
  35. 35
  36. 36
  37. 37
  38. 38
  39. 39
  40. 40
  41. 41
  42. 42
  43. 43
  44. 44
  45. 45
  46. 46
  47. 47
  48. 48
  49. 49
    SEC EDGAROther events
  50. 50
  51. 51
  52. 52
    SEC EDGAROther events
  53. 53
  54. 54
  55. 55
  56. 56
    SEC EDGAROther events
  57. 57
  58. 58
  59. 59
  60. 60
  61. 61
  62. 62
  63. 63
  64. 64
  65. 65
  66. 66
  67. 67
  68. 68
  69. 69