SIERRA BANCORP

For the period ended Dec 31, 2025. Filed Feb 27, 2026.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Feb 27, 2026

BSRR$41.92+1.2%Stored close · as of Nov 9, 2026

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Contents


	ITEM		PAGE

PART I			1

	Item 1.	Business	1

	Item 1A.	Risk Factors	14

	Item 1B.	Unresolved Staff Comments	28
	Item 1C.	Cybersecurity	28

	Item 2.	Properties	29

	Item 3.	Legal Proceedings	29

	Item 4.	Mine Safety Disclosures	29

PART II			30

	Item 5.	Market for Registrant’s Common Equity, Related Shareholder Matters and Issuer Purchases of Equity Securities	30

	Item 6.	Reserved	33

	Item 7.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	33

	Item 7A.	Quantitative and Qualitative Disclosures about Market Risk	64

	Item 8.	Financial Statements and Supplementary Data	65

	Item 9.	Changes in and Disagreements with Accountants on Accounting and Financial Disclosure	123

	Item 9A.	Controls and Procedures	123

	Item 9B.	Other Information	124

	Item 9C.	Disclosure Regarding Foreign Jurisdictions that Prevent Inspections	124

PART III			125

	Item 10.	Directors, Executive Officers, and Corporate Governance	125

	Item 11.	Executive Compensation	125

	Item 12.	Security Ownership of Certain Beneficial Owners and Management and Related Shareholder Matters	125

	Item 13.	Certain Relationships and Related Transactions and Director Independence	125

	Item 14.	Principal Accounting Fees and Services	125

PART IV			126

	Item 15.	Exhibits and Financial Statement Schedules	126


SIGNATURES	128

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About this filing

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