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Bank Of The Sierra
Porterville, CA · FDIC Certificate #22597 · Chartered 01/1
Total assets
$3.72B
Total deposits
$2.94B
Total equity
$447.07M
Net loans
$2.43B
Branches (offices)
35
Net income (YTD)
$25.02M
Rank: #351 of 4,213 U.S. banks by assets · #31 of 115 in California. Assets changed -1.3% and deposits -1.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.33% |
| Return on equity | 11.30% |
| Net interest margin (YTD) | 3.69% |
| Equity to assets | 12.02% |
| Tier 1 leverage ratio | 12.25% |
| Uninsured deposits (share of deposits) | 27.9% |
| Noncurrent loans (share of loans) | 0.43% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 82.9% |
| Real estate loans (share of loans) | 74.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.82B | 74.7% | |
| Commercial & industrial | $115.26M | 4.7% | |
| Consumer / individual | $2.52M | 0.1% | |
| Construction & development | $15.85M | 0.7% | |
| Agricultural | $60.97M | 2.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.40B | $2.86B | $18.54M | $378.34M |
| Jun 2023 | $3.76B | $2.94B | $21.38M | $376.20M |
| Jun 2024 | $3.68B | $2.96B | $22.48M | $415.21M |
| Jun 2025 | $3.77B | $2.98B | $22.25M | $430.25M |
| Jun 2026 | $3.72B | $2.94B | $25.02M | $447.07M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $2.94B | 35 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.94B.
Similar-sized banks
Bank Of Utah ($3.79B) · Encore Bank ($3.70B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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