# BANK OF THE SIERRA
PORTERVILLE, CA · FDIC certificate 22597 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *lender to lenders*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $3.72B | |
| Deposits | $2.94B | |
| Loans and leases | $2.46B | |
| Total equity | $447.1M | |
| Loans / deposits | 82.87% (p39 of band) | 87.10% |
| Liquid assets / assets | 27.90% (p72 of band) | |
| Uninsured deposits / deposits | 27.86% (p41 of band) | 30.76% |
| Brokered deposits | 8.53% | |
| Wholesale funding | 15.99% (p82 of band) | |
| FHLB advances / assets | 0.94% | |
| Tier 1 leverage | 12.25% (p78 of band) | 10.50% |
| Unrealized securities loss / equity | -3.42% (p72 of band) | -7.75% |
| AOCI / equity | -0.23% (p55 of band) | |
| ROA (annualized) | 1.33% (p57 of band) | 1.26% |
| Net interest margin | 3.69% (p49 of band) | 3.70% |
| Efficiency ratio | 54.86% (p38 of band) | |
| Noncurrent loans | 0.43% (p43 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p41 of band) | |
| Reserve coverage of noncurrent | 223.82% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 3.55% (p7 of band) | |
| Auto loans | $200,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $457.5M (102% of equity) (p99 of band) | |
| Deposits YoY | -1.6% | |
| Employees | 452 | |

## Flags firing in the latest filing

- **wholesale funding >15%** (`liq_wholesale`)
- **loans-to-lenders >50% equity** (`conc_warehouse`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 3 | charge-offs p90, loans-to-lenders >50% equity |  |
| 2012-09 | 4 | capital falling |  |
| 2012-12 | 5 | noncurrent p90 |  |
| 2013-03 | 4 |  | capital falling |
| 2013-06 | 3 |  | charge-offs p90 |
| 2013-09 | 3 | charge-offs p90 | loans-to-lenders >50% equity |
| 2013-12 | 2 |  | charge-offs p90 |
| 2014-03 | 2 |  |  |
| 2014-06 | 4 | capital falling, loans-to-lenders >50% equity |  |
| 2014-09 | 1 |  | noncurrent p90, capital falling, loans-to-lenders >50% equity |
| 2014-12 | 1 |  |  |
| 2015-03 | 3 | capital falling, loans-to-lenders >50% equity |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | capital falling |
| 2015-12 | 1 |  | reserve under noncurrent |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 0 |  | loans-to-lenders >50% equity, capital falling |
| 2017-06 | 1 | loans-to-lenders >50% equity |  |
| 2017-09 | 1 | capital falling | loans-to-lenders >50% equity |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | capital falling, reserve under noncurrent |  |
| 2018-12 | 0 |  | capital falling, reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | loans-to-lenders >50% equity |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | capital falling |
| 2021-06 | 0 |  | loans-to-lenders >50% equity |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 2 | capital falling | noncurrent p90, reserve under noncurrent |
| 2023-03 | 1 |  | charge-offs p90 |
| 2023-06 | 1 | wholesale funding >15% | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 | loans-to-lenders >50% equity | wholesale funding >15% |
| 2024-06 | 2 | wholesale funding >15% |  |
| 2024-09 | 1 |  | wholesale funding >15% |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 3 | wholesale funding >15%, charge-offs p90 |  |
| 2025-09 | 2 | capital falling | wholesale funding >15%, charge-offs p90 |
| 2025-12 | 2 | wholesale funding >15% | capital falling |
| 2026-03 | 2 |  |  |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-13 [TriCo, First Hawaiian merge in $2B deal | Tri Counties Bank - thebusinessjournal.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQV0NtV3R0TTdlVS1iVVkxcG1LV3JYRGcyMFBXNzAzcnk4NUh3VFBZTmlZWEl3alUtbm9VcGU2UEVxQlRtZ2FTX0Yxb3ptb3EzN1FVa0pZcG9MOG1qaU9za2RXQUpDSncyV2ZPOUV1ek82X25Fai1iWGMyRWJneXZVUldMWFQ4Q3JNUkZSVHpjSnRMQQ?oc=5) · thebusinessjournal.com
- 2026-05-27 [Hope Family Wines Announces Matt Dusi As Vice President Of Business Operations - Wine Business](https://news.google.com/rss/articles/CBMiZkFVX3lxTE0tNHVlczBzdFdPYUFnV3E5VjJ0VjNpNnQyQjFmY2ZZU2dUcXMyT1MtcVBNODVwMllOMjVHV1Rsd1NLWFp2ZmF5MXdtTmtJS1pXQW55UkM0cjMwSXF6Q0cyNC1jZjJrUQ?oc=5) · Wine Business
- 2025-12-17 [Two major Central Valley banks merge, creating $5B banking giant - thebusinessjournal.com](https://news.google.com/rss/articles/CBMimgFBVV95cUxPVUpJQVNDWklPdzNGdVBuM0FGdk5BNk0yU1Y4VTV0MldUVzl2czM5MTBIUi1lWGJ6b09JZ3hKdzdpX2R0NFZsaFlka0ZHSnozSXFmZVZQeTV2RUV0bVJlZ2dlYV9OVHI5bzlaWFlod19wRENmMllzWG12OGdvQzE1cV8wZWxkeDZaYWRPdUJjT1lPenBkQWtsN1p3?oc=5) · thebusinessjournal.com
- 2026-08-03 [Donald Parker Obituary (1938 - 2026) - Arroyo Grande, CA - San Luis Obispo County Tribune - Legacy obituary](https://news.google.com/rss/articles/CBMilAFBVV95cUxNdHRuWnFvUVZIT2FTTG1XNnh3Z1JkWnh1NXNsUmlSdldRaHU4Ymw4eHg1M2lWN2ZwNGtUcnRUVjFUTllrM0RpRzc0YmxOY2lCajRGRkNkSDMyMldKTTd5X1VlbnNGWVp5US1QQWFFaVNaZW4yME9UQmtfbFdnRE43OEpDWHEwZ2p1dmIyVHVIZnI2UHhH?oc=5) · Legacy obituary
- 2023-12-29 [News | Bank of the Sierra Sells, Leases Back 13 Branches - costar.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPeWhCOVBjVjJaSjlZZEE2RVM0djFQcjlHNFZfUHRVR3hFWjAyY3FwSGd0SGNaRGlRLVBsZ0trQWVENG5LOFlEZFA0TjlWcGMtWmFBUG1uY3FvMklyVllqeGpTSHRFLUdQeDAtNlBwdzlSWXhrY0ZsbktubFNOeVdqdlpjX0VUaEN5M1lGYmoxNWJiNTNW?oc=5) · costar.com
- 2021-06-15 [California bank is shutting 2 of its 5 branches in SLO County - sanluisobispo.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE9YYTZ4MXR6T0s0Q3kwQ0x3RHM0aW1ydDZWbUNFZXJ4M3d2VGxzQURFUm9iazBlTjUyUzBwaVJZaHF3STdnY0NVbkFzU25BaVpjUFF3SVY3MzN0aHgwdnRHWVZSUU5ZQzlrUlFYb1hMZUVVT2PSAXNBVV95cUxPcDZZdVhobnpJTnJKVG5FS1hkVkVzQURheXNjV0N1NmxhOC1Gc3l6ZzNKZmxwSDRXeEVyZThlLTMtRGJkQzR0Nmpkcnd3WHRQVXRmTDk0SkQ2VE1JSXcxWFRVS2ZXaDhFTUFmTUJFa3pfQml3?oc=5) · sanluisobispo.com
- 2021-05-18 [Bank expands business loan services in CA - hanfordsentinel.com](https://news.google.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?oc=5) · hanfordsentinel.com
- 2013-12-17 [Bank of Sierra restructures leadership - recorderonline.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQSXByaVU2SXlzSU1kdjAyc05ycGg3SjJhdzVxUG53REwwbTJ0VkdHLVpmVEFvRUl6ZURrN3ZDRFBjaURIM0hJZjFQUVdFeHlSdGVsM2RVZXR4MzNZMDNRaUxrRFIxQTVZcTNvTnBseEk2M0pGbktfT2w4OW54b1VkeWFfQk4wcmJSWmlhWk50aUhGSVR4OEF0bTVvWmphQmVBTVJNUngwcldLVV80MVBTeHhLNExCRk1Kdm5wUVJDdnc2UQ?oc=5) · recorderonline.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22597 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/5.json (key "22597", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide