---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-102359"
form_type: "8-K"
ticker: "BSRR"
cik: "0001130144"
company_name: "SIERRA BANCORP"
filed_at: "2025-10-27T23:59:59+00:00"
generated_at: "2026-05-17T02:08:45.060464+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Sierra Bancorp Q3 net income $9.7M, EPS $0.72; NIM expands to 3.78%

## Summary
- Net income of $9.7M ($0.72 diluted EPS) down 9% from Q2 2025; nine-month EPS rose 3% to $2.15.
- Net interest margin improved 10bp to 3.78%; net interest income up $1.3M linked quarter.
- Gross loans grew $57.2M (9% annualized) to $2.5B; nonperforming loans improved to 0.56%.
- Tangible book value per share rose 3% to $24.66; repurchased 190,342 shares at $30.55 avg.
- Declared $0.25 dividend payable Nov. 14; 107th consecutive quarterly dividend.

## SEC filing metadata
- accession: 0001104659-25-102359
- form_type: 8-K
- ticker: BSRR
- cik: 0001130144
- company_name: SIERRA BANCORP
- filed_at: 2025-10-27T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1130144/000110465925102359/0001104659-25-102359-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1130144/000110465925102359/bsrr-20251027x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-102359
- JSON: https://secwatch.observer/filing/0001104659-25-102359.json
- Plain text: https://secwatch.observer/filing/0001104659-25-102359.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.