Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

BANK OF THE SIERRA

FDIC #22597 · CA · period 20260630

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Total assets1,762,317-11.84% YoY

Total deposits1,496,471-13.15% YoY

Net loans and leases1,086,278-11.63% YoY

Return on assets0.98%+7.16% YoY

Return on equity8.02%+4.43% YoY

Net interest margin3.83%+1.39% YoY

Peer position

Return on assets57thin line · n=902

Return on equity44thin line · n=894

Net interest margin49thin line · n=902

Equity to assets75thstrength · n=894

Noncurrent loans57thin line · n=887

Liquid assets74thstrength · n=895

Brokered deposits19thopportunity · n=890

Loans to deposits62ndin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,762,317	1,496,471	1,086,278	0.98	8.02	3.83
2016-06-30	1,841,532	1,492,773	1,147,871	0.96	7.96	3.77
2016-09-30	1,971,632	1,636,293	1,249,405	0.94	7.73	3.82
2016-12-31	2,032,217	1,699,357	1,255,754	1.00	8.35	3.88
2017-03-31	1,998,989	1,722,991	1,229,178	0.91	7.68	3.78
2017-06-30	2,077,312	1,794,515	1,292,777	1.00	8.40	3.84
2017-09-30	2,072,017	1,785,772	1,305,545	1.02	8.64	3.89
2017-12-31	2,340,180	1,993,295	1,551,551	0.94	7.89	4.04
2018-03-31	2,373,378	2,039,047	1,586,178	1.21	9.98	4.14
2018-06-30	2,425,318	2,090,008	1,618,128	1.32	10.85	4.21
2018-09-30	2,462,903	2,108,342	1,687,648	1.29	10.65	4.26
2018-12-31	2,522,387	2,118,678	1,724,781	1.30	10.76	4.28
2019-03-31	2,538,889	2,163,172	1,744,338	1.49	12.10	4.25
2019-06-30	2,576,854	2,181,241	1,770,847	1.48	11.87	4.24
2019-09-30	2,635,728	2,204,867	1,789,406	1.47	11.80	4.22
2019-12-31	2,593,396	2,172,937	1,755,538	1.48	11.75	4.23
2020-03-31	2,670,214	2,185,185	1,789,313	1.27	9.69	4.02
2020-06-30	3,109,813	2,522,106	2,195,919	1.23	9.94	3.80
2020-09-30	3,199,559	2,603,565	2,361,636	1.29	10.71	3.87
2020-12-31	3,219,575	2,636,606	2,442,226	1.26	10.62	3.90
2021-03-31	3,326,563	2,866,249	2,266,432	1.41	12.49	3.79
2021-06-30	3,272,598	2,784,627	2,124,540	1.45	12.66	3.71
2021-09-30	3,443,274	2,874,329	2,121,597	1.41	12.27	3.60
2021-12-31	3,371,577	2,801,715	1,973,605	1.37	11.68	3.57
2022-03-31	3,420,378	2,876,516	1,959,601	0.98	8.07	3.22
2022-06-30	3,396,084	2,858,538	1,998,779	1.09	9.21	3.36
2022-09-30	3,531,749	2,897,836	1,996,226	1.15	10.00	3.48
2022-12-31	3,607,850	2,872,262	2,029,757	1.09	9.71	3.54
2023-03-31	3,694,796	2,976,779	2,010,902	1.10	11.00	3.49
2023-06-30	3,760,558	2,937,459	2,071,454	1.16	11.61	3.48
2023-09-30	3,736,329	2,884,435	2,077,913	1.18	11.73	3.46
2023-12-31	3,727,280	2,771,661	2,066,884	1.09	10.66	3.45
2024-03-31	3,550,459	2,871,575	2,133,938	1.18	10.58	3.60
2024-06-30	3,678,508	2,958,225	2,213,176	1.23	10.99	3.68
2024-09-30	3,693,553	2,967,229	2,298,315	1.26	11.12	3.73
2024-12-31	3,607,133	2,904,735	2,306,604	1.27	11.12	3.75
2025-03-31	3,603,679	2,853,421	2,279,613	1.14	9.59	3.80
2025-06-30	3,766,071	2,983,054	2,412,929	1.22	10.37	3.79
2025-09-30	3,706,266	2,941,140	2,466,608	1.21	10.30	3.84
2025-12-31	3,826,215	2,883,364	2,525,365	1.28	10.96	3.83
2026-03-31	3,751,904	2,932,864	2,445,544	1.46	12.52	3.66
2026-06-30	3,718,414	2,935,369	2,432,460	1.33	11.30	3.69

Structure and branch footprint

35 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2017-10-01	1	3338357	662369
2016-07-09	1	2579069	662369
2014-11-15	1	2750448	662369
2000-05-20	1	487366	662369

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.