BlastPoint's Banking Scorecard

Bank of the Sierra

$1B-$10B Specialty: Commercial CA FDIC cert 22597

Porterville, CA

35 branches across CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
Deposits -1.6% year over year ($2.9B on the books).
Delinquency rate 0.43%.
Return on assets 1.33%.
Efficiency ratio 54.86% vs a 59.73% peer average.
Loan-to-deposit ratio 82.87% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in CA

View $1B-$10B leaderboard (CA) →

Bank of the Sierra has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Non-Interest-Bearing Deposit Share 13.84% above tier average
+ Efficiency Ratio 4.87% below tier average
+ Delinquency Rate 0.43% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 33.6% in tier
- Flatlined Growth: Bottom 38.3% in tier
- ROA 0.06% below tier average
- Net Interest Margin 0.18% below tier average

Get updates when Bank of the Sierra releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$3.7B -1.3% YoY -0.9% QoQ	+$925.2M	$2.8B -0.6% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	79%
Total Loans ?	$2.4B +0.8% YoY -0.5% QoQ	+$469.2M	$2.0B -0.3% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	75%
Total Deposits ?	$2.9B -1.6% YoY +0.1% QoQ	+$616.5M	$2.3B -0.5% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	77%
Return on Assets ?	1.33% +9.3% YoY -8.7% QoQ	-0.06%	1.39% +17.0% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	57%
Net Interest Margin ?	3.69% -2.7% YoY +0.6% QoQ	-0.18%	3.87% +6.2% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	49%
Efficiency Ratio ?	54.86% -3.7% YoY +3.4% QoQ	-4.87%	59.73% -12.6% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	63%
Delinquency Rate ?	0.43% -30.2% YoY +1.8% QoQ	-0.43%	0.87% +11.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	57%
Loan-to-Deposit Ratio ?	82.87% +2.4% YoY -0.6% QoQ	-2.17%	85.04% -0.1% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	61%
Non-Interest-Bearing Deposit Share ?	35.11% -2.5% YoY -0.6% QoQ	+13.84%	21.27% -1.5% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Top 8.5% in tier
Nonperforming Asset Ratio ?	0.28% -28.7% YoY +2.2% QoQ	-0.39%	0.67% +11.7% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	64%
Tier 1 Capital Ratio ?	12.25% +4.2% YoY +1.6% QoQ	-2.60%	14.84% -0.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	37%
Non-Interest Income / Assets ?	0.44% +11.1% YoY +109.4% QoQ	-0.08%	0.53% +2.5% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	76%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Noninterest-Bearing	35.1% -0.9pp YoY -0.2pp QoQ	+13.7pp	21.4%	25.5%	22.2%	91%
Brokered Deposits	10.8% +1.1pp YoY -0.1pp QoQ	+1.3pp	9.5%	11.0%	8.5%	71%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	4.7% 0.0pp YoY +0.1pp QoQ	-9.3pp	14.0%	11.8%	12.5%	17%
CRE	57.8% -0.4pp YoY +0.7pp QoQ	+7.8pp	50.0%	67.5%	41.4%	70%
1-4 Family	14.2% -1.2pp YoY -0.1pp QoQ	-12.2pp	26.4%	16.5%	31.3%	28%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.6pp	4.7%	5.3%	5.0%	13%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	23.7%	19.7%	n/a
Leverage Ratio	12.2% +0.5pp YoY +0.2pp QoQ	+0.9pp	11.3%	14.5%	12.6%	79%
Total Capital Ratio	n/a	n/a	16.7%	25.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	452 -42 (-8.5%) YoY -11 (-2.4%) QoQ	+138	313	337	482	81%
Assets per Employee ($)	$8.2M +7.9% YoY +1.5% QoQ	-$2.3M	$10.5M	$11.3M	$8.8M	44%
Branch Count	35 -1 (-2.8%) YoY 0 QoQ	+15	20	15	18	86%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	0.4% -0.2pp YoY 0.0pp QoQ	-0.4pp	0.8%	1.4%	1.0%	43%
Allowance Coverage	2.24x +54.7% YoY +9.6% QoQ	-16.47x	18.71x	17.11x	20.23x	53%
Net Charge-off Rate (YTD)	0.0% -0.5pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.3%	0.2%	39%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	11.3% +0.9pp YoY -1.2pp QoQ	-1.3pp	12.6%	8.2%	11.6%	43%
Cost of Funds (YTD)	1.1% -0.2pp YoY 0.0pp QoQ	-0.8pp	1.9%	1.9%	1.7%	7%
Net Income ($, YTD)	$25.0M +12.4% YoY — QoQ	+$5.8M	$19.2M	$28.5M	$40.4M	77%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Deposit Outflow

decline

#45 of 131 • Bottom 33.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ

Flatlined Growth

risk

#63 of 162 • Bottom 38.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.33%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 35.11%

Peer Median: 21.27%

#76 of 885 Top 8.5% in $1B-$10B

190

Total Assets

size

Value: $3.72B

Peer Median: $2.79B

#190 of 885 Top 21.4% in $1B-$10B

207

Total Deposits

size

Value: $2.94B

Peer Median: $2.32B

#207 of 885 Top 23.3% in $1B-$10B

216

Non-Interest Income / Assets

revenue_mix

Value: 0.44%

Peer Median: 0.53%

#216 of 885 Top 24.3% in $1B-$10B

220

Total Loans

size

Value: $2.43B

Peer Median: $1.96B

#220 of 885 Top 24.7% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available