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INVESTOR RELATIONS

Peer Analysis

Performance Ratios (%) BSRR Peer Median Peer Average
ROAA 1.07 0.93 0.91
ROAE 10.02 8.94 8.47
Net Interest Margin 4.18 3.94 3.83
Efficiency Ratio 62.05 57.73 58.06
Loans / Deposits 77.94 79.10 81.06
Asset Quality Ratios (%)
NPAs / Assets 0.71 0.69 0.59
NCOs / Avg Loans (0.06) 0.00 0.00
Reserves / Loans 0.56 1.28 1.61
Reserves / NPAs 53.16 99.58 239.97
Capital Ratios (%)
Tier 1 Capital 14.69 12.91 13.19
Tangible Equity / Tangible Assets 9.45 9.72 10.06
Total Equity / Total Assets 10.73 10.39 11.07
Market Ratios
Price / Earnings (x) 16.75 18.53 24.79
Price / Book (%) 160.06 162.49 159.23
Dividend Yield (%) 2.34 1.88 1.90
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:

FNB Bancorp's financial data is as of 3/31/2018.

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