{"schema_version":"secwatch.filing_event.v1","accession":"0001104659-26-008973","form_type":"8-K","ticker":"BSRR","cik":"0001130144","company_name":"SIERRA BANCORP","filed_at":"2026-02-02T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.595455+00:00","generated_at":"2026-05-16T05:33:21.477457+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Sierra Bancorp reports record Q4 income $12.9M, EPS $0.97, up 34% YoY; FY2025 EPS $3.11, up 10.3%","bullets":["Q4 2025 net income $12.9M ($0.97 diluted EPS), record quarter; vs $10.4M ($0.72) in Q4'24 and $9.7M ($0.72) in Q3'25.","Full year 2025 net income $42.3M ($3.11 EPS), up 10.3% over FY2024; net interest margin 3.79%, efficiency ratio 57.7%.","Loans grew 9% annualized in Q4 ($55.1M); full year loan growth $215.4M to $2.5B, led by mortgage warehouse program.","Tangible book value $25.42/share, up 3.1% in Q4; repurchased 222,039 shares at $31.52 avg during quarter.","Quarterly dividend increased to $0.26/share in Jan 2026 (108th consecutive); cost of avg deposits declined to 1.14%."],"urls":{"canonical":"https://secwatch.observer/filing/0001104659-26-008973","json":"https://secwatch.observer/filing/0001104659-26-008973.json","markdown":"https://secwatch.observer/filing/0001104659-26-008973.md","text":"https://secwatch.observer/filing/0001104659-26-008973.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1130144/000110465926008973/0001104659-26-008973-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1130144/000110465926008973/bsrr-20260202x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T05:33:21.477457+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}