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INVESTOR RELATIONS

Peer Analysis

Performance Ratios (%) BSRR Peer Median Peer Average
ROAA 1.08 0.97 1.01
ROAE 10.09 9.18 9.27
Net Interest Margin 4.25 4.00 3.87
Efficiency Ratio 61.22 56.90 57.49
Loans / Deposits 80.58 78.60 80.03
Asset Quality Ratios (%)
NPAs / Assets 0.99 0.58 0.57
NCOs / Avg Loans 0.05 (0.01) 0.00
Reserves / Loans 0.56 1.32 1.61
Reserves / NPAs 38.68 118.30 7,996.95
Capital Ratios (%)
Tier 1 Capital 14.35 13.20 13.44
Tangible Equity / Tangible Assets 9.43 9.31 10.10
Total Equity / Total Assets 10.69 10.79 11.34
Market Ratios
Price / Earnings (x) 15.89 16.14 18.66
Price / Book (%) 154.92 143.86 145.58
Dividend Yield (%) 2.40 2.00 2.10
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 9/30/2018.

Peer financial data is as of 9/30/2018 except for these companies:

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

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