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INVESTOR RELATIONS

Peer Analysis

Performance Ratios (%) BSRR Peer Median Peer Average
ROAA 1.35 1.21 1.14
ROAE 11.50 8.88 9.02
Net Interest Margin 4.15 4.03 3.99
Efficiency Ratio 56.96 57.05 57.31
Loans / Deposits 82.63 84.87 86.76
Asset Quality Ratios (%)
NPAs / Assets 0.61 0.45 0.53
NCOs / Avg Loans 0.12 0.02 0.10
Reserves / Loans 0.64 1.23 1.34
Reserves / NPAs 70.24 163.79 208.60
Capital Ratios (%)
Tier 1 Capital NA 13.39 13.63
Tangible Equity / Tangible Assets 10.88 10.41 10.84
Total Equity / Total Assets 11.96 12.45 12.24
Market Ratios
Price / Earnings (x) 7.81 9.83 11.65
Price / Book (%) 83.97 77.71 88.55
Dividend Yield (%) 4.53 2.80 2.82
Data for trailing four quarters

Sierra Bancorp's peer group consists of the following: Altabancorp (ALTA), 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), Preferred Bank (PFBC), RBB Bancorp (RBB), TriCo Bancshares (TCBK)

Sierra Bancorp's financial data is as of 3/31/2020.

Peer financial data is as of 3/31/2020

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