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INVESTOR RELATIONS

Peer Analysis

Performance Ratios (%) BSRR Peer Median Peer Average
ROAA 1.36 1.38 1.30
ROAE 12.20 10.04 10.63
Net Interest Margin 4.22 4.20 4.11
Efficiency Ratio 58.26 56.21 56.09
Loans / Deposits 81.99 82.21 85.90
Asset Quality Ratios (%)
NPAs / Assets 0.63 0.39 0.51
NCOs / Avg Loans 0.10 0.02 0.07
Reserves / Loans 0.62 1.01 1.11
Reserves / NPAs 67.68 180.45 236.89
Capital Ratios (%)
Tier 1 Capital 14.79 14.49 14.33
Tangible Equity / Tangible Assets 10.39 11.63 11.40
Total Equity / Total Assets 11.51 13.20 12.73
Market Ratios
Price / Earnings (x) 12.03 12.80 13.68
Price / Book (%) 135.79 120.43 131.64
Dividend Yield (%) 2.82 1.97 1.86
Data for trailing four quarters

Sierra Bancorp's peer group consists of the following: Bank of Commerce Holdings (BOCH), Bank of Marin Bancorp (BMRC), BayCom Corp (BCML), Central Valley Community Bancorp (CVCY), Farmers & Merchants Bancorp (FMCB), First Financial Northwest, Inc. (FFNW), First Northwest Bancorp (FNWB), Heritage Commerce Corp (HTBK), Heritage Financial Corporation (HFWA), Pacific Mercantile Bancorp (PMBC), PCB Bancorp (PCB), People's Utah Bancorp (PUB), Preferred Bank (PFBC), RBB Bancorp (RBB), TriCo Bancshares (TCBK)

Sierra Bancorp's financial data is as of 9/30/2019.

Peer financial data is as of 9/30/2019

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