SIERRA BANCORP

For the period ended Dec 31, 2024. Filed Mar 3, 2025.

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.

FY2024 · Filed Mar 3, 2025

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	15

	Item 1B.	Unresolved Staff Comments	27
	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	61

	Item 8.	Financial Statements and Supplementary Data	62

	Item 9.	Changes in and Disagreements with Accountants on Accounting and Financial Disclosure	119

	Item 9A.	Controls and Procedures	119

	Item 9B.	Other Information	120

	Item 9C.	Disclosure Regarding Foreign Jurisdictions that Prevent Inspections	120

PART III			121

	Item 10.	Directors, Executive Officers, and Corporate Governance	121

	Item 11.	Executive Compensation	121

	Item 12.	Security Ownership of Certain Beneficial Owners and Management and Related Shareholder Matters	121

	Item 13.	Certain Relationships and Related Transactions and Director Independence	121

	Item 14.	Principal Accounting Fees and Services	121

PART IV			122

	Item 15.	Exhibits and Financial Statement Schedules	122


SIGNATURES	124

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