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INVESTOR RELATIONS

Peer Analysis

Performance Ratios (%) BSRR Peer Median Peer Average
ROAA 1.23 1.31 1.38
ROAE 11.38 10.77 11.83
Net Interest Margin 4.24 4.23 4.21
Efficiency Ratio 61.88 55.99 56.36
Loans / Deposits 81.96 83.87 86.68
Asset Quality Ratios (%)
NPAs / Assets 0.68 0.59 0.57
NCOs / Avg Loans 0.22 0.03 0.01
Reserves / Loans 0.56 0.99 1.12
Reserves / NPAs 56.54 125.51 284.77
Capital Ratios (%)
Tier 1 Capital NA 13.71 13.69
Tangible Equity / Tangible Assets 9.61 11.16 11.22
Total Equity / Total Assets 10.82 12.58 12.48
Market Ratios
Price / Earnings (x) 14.30 12.95 14.45
Price / Book (%) 153.89 138.40 146.96
Dividend Yield (%) 2.62 1.82 1.56
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 City Financial Corporation (PCB), Pacific Mercantile Bancorp (PMBC), People's Utah Bancorp (PUB), Preferred Bank (PFBC), RBB Bancorp (RBB), TriCo Bancshares (TCBK)

Sierra Bancorp's financial data is as of 12/31/2018.

Peer financial data is as of 12/31/2018

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