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INVESTOR RELATIONS

Peer Analysis

Performance Ratios (%) BSRR Peer Median Peer Average
ROAA 1.07 0.93 0.90
ROAE 10.02 8.74 8.34
Net Interest Margin 4.18 3.94 3.82
Efficiency Ratio 62.05 57.73 58.01
Loans / Deposits 77.94 80.35 82.51
Asset Quality Ratios (%)
NPAs / Assets 0.71 0.67 0.54
NCOs / Avg Loans (0.06) 0.00 (0.01)
Reserves / Loans 0.56 1.28 1.63
Reserves / NPAs 53.16 93.35 255.29
Capital Ratios (%)
Tier 1 Capital 14.69 13.07 13.29
Tangible Equity / Tangible Assets 9.45 9.72 10.04
Total Equity / Total Assets 10.73 10.39 11.05
Market Ratios
Price / Earnings (x) 18.24 20.32 26.14
Price / Book (%) 174.31 173.14 167.08
Dividend Yield (%) 2.15 1.73 1.73
Data for trailing four quarters

Sierra Bancorp's peer group consists of the following: 1867 Western Financial Corporation (WFCL), Bank of Marin Bancorp (BMRC), Central Valley Community Bancorp (CVCY), Exchange Bank (EXSR), Farmers & Merchants Bancorp (FMCB), FNB Bancorp (FNBG), Heritage Commerce Corp (HTBK), Provident Financial Holdings, Inc. (PROV), River City Bank (RCBC), TriCo Bancshares (TCBK)

Sierra Bancorp's financial data is as of 6/30/2018.

Peer financial data is as of 6/30/2018 except for these companies:

1867 Western Financial Corporation's financial data is as of 3/31/2018.
FNB Bancorp's financial data is as of 3/31/2018.

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