---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-26-086884"
form_type: "8-K"
ticker: "BSRR"
cik: "0001130144"
company_name: "SIERRA BANCORP"
filed_at: "2026-07-27T13:15:18+00:00"
generated_at: "2026-07-27T13:16:06.995640+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Sierra Bancorp Q2 2026 net income $9.9M ($0.77 EPS); YTD EPS up 20% to $1.72

## Summary
- Q2 net income $9.9M ($0.77 diluted EPS) vs $10.6M ($0.78) a year ago; YTD net income $22.4M ($1.72) vs $19.7M ($1.43).
- Net interest margin improved to 3.75% (YTD) from 3.71%; efficiency ratio improved to 57.70% from 60.00%.
- Total deposits grew $54.6M (+2%) from Dec 31, 2025; noninterest-bearing deposits 35% of total; cost of deposits fell to 1.11%.
- Tangible book value per share rose to $26.19 from $23.42 at Dec 31, 2025; Community Bank Leverage Ratio 12.25%.
- Repurchased 396,429 shares in H1 2026; declared $0.27 dividend payable Aug 10, 2026.

## SEC filing metadata
- accession: 0001104659-26-086884
- form_type: 8-K
- ticker: BSRR
- cik: 0001130144
- company_name: SIERRA BANCORP
- filed_at: 2026-07-27T13:15:18+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1130144/000110465926086884/0001104659-26-086884-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1130144/000110465926086884/bsrr-20260727x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-086884
- JSON: https://secwatch.observer/filing/0001104659-26-086884.json
- Plain text: https://secwatch.observer/filing/0001104659-26-086884.txt

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