---
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"
generated_at: "2026-05-16T05:33:21.477457+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Sierra Bancorp reports record Q4 income $12.9M, EPS $0.97, up 34% YoY; FY2025 EPS $3.11, up 10.3%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-008973
- JSON: https://secwatch.observer/filing/0001104659-26-008973.json
- Plain text: https://secwatch.observer/filing/0001104659-26-008973.txt

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