41.92
+1.21%
Close of 9 Nov 2026, in USD
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About Sierra Bancorp
From its filings with the US Securities and Exchange Commission
Sierra Bancorp is based in Porterville, California and is incorporated in California. Its shares trade on Nasdaq under the ticker BSRR. The SEC classifies its business as state commercial banks. In the fiscal year to 31 December 2025, it reported net income of $42.3m. At that date it held total assets of $3.83bn and shareholders' equity of $364.9m.
Bank of the Sierra, a California state-chartered bank headquartered in Porterville, California, offers a wide range of retail and commercial banking services via branch offices located throughout California’s South San Joaquin Valley, the Central Coast, Ventura County, and neighboring communities. The Bank was incorporated in September 1977 and opened for business in January 1978 as a one-branch bank with $1.5 million in capital. Growth in the ensuing years has largely been organic but also includes four whole-bank acquisitions: Sierra National Bank in 2000, Santa Clara Valley Bank in 2014, Coast National Bank in 2016, and Ojai Community Bank in 2017.
The Bank maintains administrative offices, loan production offices, and 34 full-service branches in California.
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 network, which provides our deposit customers with surcharge-free access to over 55,000 ATMs across the United States, Puerto Rico, Mexico, Canada, Australia, and the United Kingdom. Customers also have access to electronic point-of-sale payment alternatives nationwide via the Pulse network.
Quoted from its 10-K, filed 27 Feb 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 27 Oct 1993
- Employees
- 436
- Website
- sierrabancorp.com ↗
- Head office
- 86 NORTH MAIN STREET, PORTERVILLE, CA, 93257
- Incorporated in
- CA
- Classification
- State Commercial Banks
- Filer status
- Accelerated filer
Leadership
Pay as last reported
- Mr. Morris TharpIndependent Chairman of the Board$160,072
- Mr. Kevin McphaillPresident, Chief Executive Officer, Director, since 2006$1.4m
- Mr. James HollyIndependent Vice Chairman of Board, since 2000$118,499
- Mr. Christopher TreeceChief Financial Officer, Executive Vice President$737,061
- Mr. William WadeChief Operating Officer, Executive Vice President
- Ms. Natalia CoenExecutive Vice President, Chief Risk Officer$660,020
- Mr. Hugh BoyleExecutive Vice President, Chief Credit Officer$726,620
- Mr. Michael OlagueExecutive Vice President, Chief Banking Officer$741,151
- Ms. Cindy DabneySenior Vice President, Chief Accounting Officer
- Mr. Matthew DusiSenior Vice President, Head - Commercial Banking
- Ms. Susan AbundisIndependent Director$113,499
- Dr. Albert BerraIndependent Director$128,596
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 61
- Environment
- 69
- Social
- 43
- Governance
- 70
- Women in the workforce
- 75%
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Sierra Bancorp has a strong financial position with consistent revenue growth and a stable balance sheet. The company's solid capital base enables it to withstand financial shocks and pursue growth opportunities.
- Sierra Bancorp offers a wide range of financial products and services, including personal and commercial banking, mortgage lending, and wealth management. This diversification helps to mitigate risks and attract a larger customer base.
- The bank emphasizes building long-term relationships with its customers and providing exceptional customer service. This strategy fosters customer loyalty and positive word-of-mouth, leading to overall business growth.
Weaknesses
- Sierra Bancorp faces certain weaknesses that require attention to maintain a competitive edge in the market.
- The bank primarily operates in a specific region, which reduces its exposure to larger markets and potential growth opportunities beyond its current reach.
- Sierra Bancorp heavily relies on interest income as its main revenue source. This dependence on interest rates leaves the company vulnerable to fluctuations in the interest rate environment.
Opportunities
- Despite the challenges, there are several opportunities Sierra Bancorp can capitalize on to drive future growth.
- Sierra Bancorp could explore opportunities for geographic expansion, either through organic growth or mergers/acquisitions, to tap into new customer segments and increase market share.
- The bank can leverage technological advancements to enhance its digital banking infrastructure, improve operational efficiency, and offer innovative digital products and services to meet changing customer preferences.
Threats
- Sierra Bancorp also faces certain threats that could impact its business operations and financial performance.
- The banking industry is highly competitive, with numerous established players and new FinTech entrants. Sierra Bancorp needs to continuously differentiate itself and adapt to changing market dynamics to maintain market share.
- The bank operates in a heavily regulated industry, and compliance with evolving regulations poses a challenge. Failure to meet regulatory requirements can result in financial penalties and reputational damage.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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