TellerScore

Bank of the Sierra (FDIC certificate #22597) is based in Porterville, California. Its Q2 2026 call report shows $3.7B in total assets and $2.9B in deposits and 35 offices.

Bank of the Sierra has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 83% of its 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 27th. Problem-loan coverage contributes the most (96/100, 2.2%); funding & liquidity contributes the least (63/100, 83% loans-to-deposits, 28% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion72/100
Tier 1 leverage ratio: 12.25%
Loan quality86/100
Noncurrent loans ÷ total loans: 0.43%
Earnings73/100
Return on assets (annualized): 1.33%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 82.9% · 27.9% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.24%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (73 → 77), mostly because the loan quality component improved by 7 points.

TellerScore
727577Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202475
Q4 202472
Q1 202572
Q2 202573
Q3 202572
Q4 202574
Q1 202677
Q2 202677
Tier 1 leverage ratio
5.00%8.62%12.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.60%
Q3 202411.70%
Q4 202411.80%
Q1 202512.11%
Q2 202511.75%
Q3 202511.73%
Q4 202511.94%
Q1 202612.05%
Q2 202612.25%
Noncurrent loans
0.29%0.57%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.29%
Q3 20240.45%
Q4 20240.84%
Q1 20250.79%
Q2 20250.62%
Q3 20250.56%
Q4 20250.52%
Q1 20260.42%
Q2 20260.43%
Return on assets
1.14%1.30%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.23%
Q3 20241.26%
Q4 20241.27%
Q1 20251.14%
Q2 20251.22%
Q3 20251.21%
Q4 20251.28%
Q1 20261.46%
Q2 20261.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$3.7B12.25%0.43%1.33%82.9%
Q1 202677$3.8B12.05%0.42%1.46%83.4%
Q4 202574$3.8B11.94%0.52%1.28%87.6%
Q3 202572$3.7B11.73%0.56%1.21%83.9%
Q2 202573$3.8B11.75%0.62%1.22%80.9%
Q1 202572$3.6B12.11%0.79%1.14%79.9%
Q4 202472$3.6B11.80%0.84%1.27%79.4%
Q3 202475$3.7B11.70%0.45%1.26%77.5%
Q2 202477$3.7B11.60%0.29%1.23%74.8%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.25%
79th
Total risk-based capital0.00%
13th
Problem loans0.43%
57th
Net charge-offs0.02%
58th
Return on assets1.33%
57th
Net interest margin3.69%
49th
Efficiency ratio54.9%
63rd
Loans to deposits82.9%
61st
Uninsured deposits27.9%
59th
Loan-loss reserves0.96%
26th
Texas ratio2.2%
67th

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of MarinBank Novato, CA67 out of 100, Moderate$3.9B9.2%0.40%vs
PCB BankBank Los Angeles, CA70 out of 100, Strong$3.5B11.5%0.30%vs
Commercial Bank of CaliforniaBank Irvine, CA64 out of 100, Moderate$4.0B9.3%0.37%vs
California Bank of Commerce, National AssociationBank San Diego, CA75 out of 100, Strong$4.0B12.8%0.29%vs
Exchange BankBank Santa Rosa, CA77 out of 100, Strong$3.2B12.6%0.55%vs
Royal Business BankBank Los Angeles, CA68 out of 100, Moderate$4.3B12.5%0.72%vs

Deposit insurance

Is my money safe at Bank of the Sierra?

Yes. Bank of the Sierra is an FDIC-insured institution (FDIC certificate #22597). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.9% of deposits ($817.8M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

35 locations

Branches

Bank of the Sierra lists 34 offices in 27 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Bank of the Sierra
Type
State-chartered bank
FDIC certificate #
22597
RSSD ID
662369
Primary regulator
FDIC
Holding company
Sierra Bcorp
Established
January 19, 1978
Headquarters
90 N Main St, Porterville, CA 93257
Employees
452

Quick answers

Bank of the Sierra: common questions

Is Bank of the Sierra FDIC insured?

Yes. Bank of the Sierra is an FDIC-insured institution (FDIC certificate #22597). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of the Sierra's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of the Sierra ever failed?

There is no failure record for FDIC certificate #22597 in the FDIC failed bank list.

How many branches does Bank of the Sierra have?

35 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Porterville

InstitutionScoreAssetsCapitalProblem loansCompare
Educational Employees Credit UnionCredit union Fresno, CA96 out of 100, Very strong$5.4B14.6%0.20%vs
Safe 1 Credit UnionCredit union Bakersfield, CA90 out of 100, Very strong$1.2B16.0%0.37%vs
Mission BankBank Bakersfield, CA80 out of 100, Strong$2.0B12.2%0.02%vs
Westamerica BankBank San Rafael, CA78 out of 100, Strong$5.8B10.3%0.12%vs
Tucoemas Federal Credit UnionCredit union Visalia, CA74 out of 100, Strong$332.0M10.3%1.25%vs
Citizens Business Bank, National AssociationBank Ontario, CA73 out of 100, Strong$21.2B11.4%0.14%vs