---
schema_version: "secwatch.filing_event.v1"
accession: "0001558370-25-009640"
form_type: "8-K"
ticker: "BSRR"
cik: "0001130144"
company_name: "SIERRA BANCORP"
filed_at: "2025-07-28T23:59:59+00:00"
generated_at: "2026-05-18T00:07:35.860871+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Sierra Bancorp Q2 net income $10.6M ($0.78 EPS), up from $0.71 YoY; loan growth 22% annualized

## Summary
- Net income $10.6M, diluted EPS $0.78 vs $0.71 in Q2 2024; linked-quarter net income up 17%.
- Loans grew $127.9M (22% annualized) to $2.43B; mortgage warehouse up $118.7M.
- Dividend of $0.25/share declared, payable Aug 14, 2025; repurchased 135,641 shares in Q2.
- Tangible book value per share up 2% to $23.98; efficiency ratio improved to 59.43% from 60.62%.
- Noninterest-bearing deposits 36% of total deposits; Community Bank Leverage Ratio 11.75%.

## SEC filing metadata
- accession: 0001558370-25-009640
- form_type: 8-K
- ticker: BSRR
- cik: 0001130144
- company_name: SIERRA BANCORP
- filed_at: 2025-07-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1130144/000155837025009640/0001558370-25-009640-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1130144/000155837025009640/bsrr-20250728x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001558370-25-009640
- JSON: https://secwatch.observer/filing/0001558370-25-009640.json
- Plain text: https://secwatch.observer/filing/0001558370-25-009640.txt

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