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Sierra Bancorp
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Sierra Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary2 Feb, 2026
Executive summary
Achieved record quarterly net income of $12.9 million in Q4 2025, up 24% year-over-year, and full-year net income of $42.3 million, a 4% increase from 2024.
Diluted EPS rose 34% to $0.97 in Q4 and 10% to $3.11 for the year, driven by higher net interest income and share repurchases.
Return on average assets improved to 1.39% in Q4 and 1.15% for the year; return on average equity reached 14.09% in Q4 and 11.88% for the year.
Financial highlights
Net interest income increased 5% in Q4 and 4% for the year, with net interest margin rising to 3.79% in Q4 and 3.75% for the year.
Efficiency ratio improved to 57.7% in Q4 and 58.9% for the year.
Cost of average total deposits declined to 1.14% in Q4 and 1.27% for the year.
Noninterest income decreased 2% in Q4 and 3% for the year, mainly due to lower nonrecurring gains and service charges.
Noninterest expense remained flat year-over-year, with a 0.1% annual decline due to expense management and staff reductions.
Outlook and guidance
Management is optimistic for 2026, focusing on deepening lending and deposit relationships, enhancing technology, and maintaining expense discipline.
How does mortgage warehouse growth impact risk and funding strategy?
What drove the Q4 credit loss release vs full year increase?
What 2026 expense impact from staff cuts and branch closure?
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Next Sierra Bancorp earnings date
Q1 202620 Apr, 2026
Sierra Bancorp
Next Sierra Bancorp earnings date
Q1 202620 Apr, 2026
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Frequently asked questions
Sierra Bancorp is the holding company for Bank of the Sierra. The company primarily operates as a community-focused bank offering a broad range of financial services. Its offerings include personal and business banking products such as checking and savings accounts, money market accounts, certificates of deposit, and various loan products including mortgage, commercial, and agricultural loans. The bank also provides online and mobile banking services, merchant solutions, and other financial management tools tailored to individual and business needs. Sierra Bancorp serves communities throughout Central and Southern California, emphasizing personalized service and local engagement. The company is headquartered in Porterville, California, and its shares are listed on the NASDAQ.
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