secwatch.observer — SEC 8-K summary
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Issuer:     SIERRA BANCORP (BSRR)
CIK:        0001130144
Form:       8-K
Filed at:   2026-02-02T23:59:59+00:00
Accession:  0001104659-26-008973
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1130144/000110465926008973/0001104659-26-008973-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1130144/000110465926008973/bsrr-20260202x8k.htm
  HTML page:      https://secwatch.observer/filing/0001104659-26-008973

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