Bank of the Sierra
Porterville, CA
IDRSSD: 662369
Total Assets
$3.83B
Latest filing
Total Deposits
$2.88B
Latest filing
Net Interest Margin
3.84%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Bank of the Sierra
90 N Main St
Porterville, CA 93257
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/19/1978FDIC Certificate 15760
Branches (35)
Page 1 of 5| Name | Address | City / State |
|---|---|---|
| Bank of the Sierra (Main) | 90 N Main St | Porterville, CA |
| TEHACHAPI MAIN BRANCH | 224 W F St | Tehachapi, CA |
| WOODLAKE BRANCH | 232 N Valencia Blvd | Woodlake, CA |
| WEST OLIVE BRANCH | 1498 W Olive Ave | Porterville, CA |
| LINDSAY BRANCH | 142 S Mirage Ave | Lindsay, CA |
| EXETER BRANCH | 1103 W Visalia Rd | Exeter, CA |
| VISALIA BRANCH | 2515 S Mooney Blvd | Visalia, CA |
| THREE RIVERS BRANCH | 40884 Sierra Dr | Three Rivers, CA |
Showing 7 of 35
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/19/1978 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 93257 |
| State and County Number | 06107 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | Visalia, CA |
Operational Info
| Number of Employees | 476 |
| Domestic Offices | 36 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/18/2023 |
| Date of Deposit Insurance | 01/19/1978 |
| Primary Insurance Agency | DIF |
| Website | www.bankofthesierra.com |
| Data Updated | 01/30/2026 |
| CERT | 22597 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $3.83B |
| Total Deposits | $2.88B |
| Total Liabilities | $3.38B |
| Total Equity Capital | $442.09M |
| Net Income | $14.18M |
| Net Loans and Leases | $2.53B |
| Assets Per Employee ($Millions) | $8.23M |
| Bank Premises and Fixed Assets | $41.52M |
| Cash and Balances due from Depository Institutions | $135.63M |
| Deposits Held in Domestic Offices | $2.88B |
Key Performance Ratios
| Return on Assets (ROA) | 1.51% |
| Return on Equity (ROE) | 12.93% |
| Net Interest Margin | 3.84% |
| Efficiency Ratio | 54.95% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.554% |
| Earning Assets to total Assets | 91.62% |
Income and Expense
| Total Interest Income | $43.28M |
| Total Noninterest Income | $7.34M |
| Total Interest Expense | $10.26M |
| Total Noninterest Expense | $22.26M |
| Net Interest Income | $33.02M |
| Pre-tax Net Operating Income | $18.97M |
| Provision for Credit Losses | $-865,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.56M |
| Other borrowed funds | $92.70M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $340.85M |
| All Other Liabilities | $67.21M |
| Total Liabilities and Capital | $3.83B |
Securities
| Securities | $916.14M |
| Available-for-sale debt securities | $625.33M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $290.83M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of the Sierra?
$3.83B as of the latest filing.
How much are Bank of the Sierra's total deposits?
$2.88B in total deposits.
Where is Bank of the Sierra located?
Porterville, CA.
What is the Net Interest Margin?
3.84%.
How many domestic offices does it operate?
36.
When was it established?
01/19/1978.
What is the Return on Assets (ROA)?
1.51%.
How much are total loans and leases?
$2.53B (latest filing).
What is the total interest income (latest filing)?
$43.28M.