Sierra Bancorp Q1 2025 EPS $0.65; NIM 3.74%, efficiency ratio improves to 60.62%

SIERRA BANCORP

2025-Q1 EPS reported $0.65

Net income $9.1M ($0.65 diluted) vs $9.3M ($0.64) in Q1 2024; EPS up 1.6% YoY.
Net interest margin 3.74% vs 3.62% YoY; efficiency ratio 60.62% vs 65.97%.
Loan growth ex-warehouse +$18.6M (4% annualized); brokered deposits reduced $85M.
Tangible book value $23.44/share (+1% QoQ); repurchased 476,770 shares at avg $29.71.
Declared $0.25 dividend payable May 15, 2025.

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