BlastPoint's Banking Scorecard
Bank of the Sierra
Porterville, CA
35 branches across CA
Bank of the Sierra has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.03% above tier average
- + ROA 0.09% above tier average
- + Efficiency Ratio 8.03% below tier average
- + Delinquency Rate 0.46% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.15% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.8B
+4.1% YoY
-1.9% QoQ
|
+$936.2M |
$2.8B
-0.1% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
78% |
| Total Loans ? |
$2.4B
+7.3% YoY
-3.2% QoQ
|
+$480.7M |
$2.0B
+0.6% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
76% |
| Total Deposits ? |
$2.9B
+2.8% YoY
+1.7% QoQ
|
+$589.5M |
$2.3B
-0.3% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
77% |
| Return on Assets ? |
1.46%
+27.7% YoY
+13.6% QoQ
|
+0.09% |
1.37%
+19.6% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
68% |
| Net Interest Margin ? |
3.66%
-3.5% YoY
-4.3% QoQ
|
-0.15% |
3.82%
+6.9% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
52% |
| Efficiency Ratio ? |
53.03%
-7.7% YoY
-5.3% QoQ
|
-8.03% |
61.06%
-4.6% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
69% |
| Delinquency Rate ? |
0.43%
-46.7% YoY
-18.8% QoQ
|
-0.46% |
0.89%
+14.1% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
83.38%
+4.4% YoY
-4.8% QoQ
|
-0.82% |
84.20%
+0.3% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
35.31%
-3.1% YoY
+1.6% QoQ
|
+14.03% |
21.29%
-2.5% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Top 8.6% in tier |
| Nonperforming Asset Ratio ? |
0.28%
-45.1% YoY
-28.2% QoQ
|
-0.40% |
0.67%
+15.6% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
65% |
| Tier 1 Capital Ratio ? |
12.05%
-0.5% YoY
+0.9% QoQ
|
-3.11% |
15.16%
+2.0% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.21%
+17.4% YoY
-73.3% QoQ
|
-0.05% |
0.26%
+1.6% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
74% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.