Sierra Bancorp Reports Improved Financial Results for Second Quarter and First Six Months of 2025

About this update from Sierra Bancorp

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Sierra Bancorp reported consolidated net income of $10.6 million, or $0.78 per diluted share, for the second quarter of 2025, compared to $10.3 million, or $0.71 per diluted share, in the second quarter of 2024. On a linked quarter (three months ended March 31, 2025) basis, the Company reported an increase of $1.5 million, or 17%, in net income.","length":567,"tagName":"p"},{"type":"text","content":"Section 1.01 Highlights for the second quarter of 2025 (unless otherwise stated):","length":81,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":" Improved Earnings and Key Ratios ","length":32,"tagName":"p","attribs":{}},{"type":"list","items":[{"val":[{"type":"text","content":"Increased Diluted Earnings per Share by $0.13, or 19%, from the prior linked quarter.","length":85,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Higher Return on Average Assets of 1.16%, as compared to 1.02% in the prior linked quarter.","length":91,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Improved Return on Average Equity to 12.08%, as compared to 10.44% in the prior linked quarter.","length":95,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Favorable change of Efficiency Ratio (1) to 59.43%, as compared to 60.62% to the prior linked quarter.","length":101,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":372,"olType":false}]}],"tagName":"ul","bulletedList":true,"length":404,"olType":false},{"type":"list","items":[{"val":[{"type":"text","content":" Strong Balance Sheet Growth ","length":27,"tagName":"p","attribs":{}},{"type":"list","items":[{"val":[{"type":"text","content":"Overall loan growth of $127.9 million, or 22% annualized, to $2.43 billion during the quarter.","length":94,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Mortgage warehouse utilization increased $118.7 million during the quarter.","length":75,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Non-brokered deposits increased by $24.6 million, or 4% annualized, during the quarter.","length":87,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Noninterest-bearing deposits of $1.1 billion at June 30, 2025, represent 36% of total deposits.","length":95,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Uninsured deposits, exclusive of public funds, are approximately 26% of total deposit balances.","length":95,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":446,"olType":false}]}],"tagName":"ul","bulletedList":true,"length":473,"olType":false},{"type":"list","items":[{"val":[{"type":"text","content":" Solid Capital and Liquidity ","length":27,"tagName":"p","attribs":{}},{"type":"list","items":[{"val":[{"type":"text","content":"Increased Tangible Book Value (1) per share by 2%, to $23.98 per share during the quarter.","length":89,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Repurchased 135,641 shares of stock during the quarter.","length":55,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Declared dividend of $0.25 per share, payable on August 14, 2025.","length":65,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Strong regulatory Community Bank Leverage Ratio of 11.75%, at June 30, 2025, for our subsidiary Bank.","length":101,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Tangible Common Equity Ratio (1) of 8.77%, at June 30, 2025, on a consolidated basis.","length":84,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Overall primary and secondary liquidity sources of $2.3 billion at June 30, 2025.","length":81,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":475,"olType":false}]}],"tagName":"ul","bulletedList":true,"length":502,"olType":false},{"type":"table","headerItems":[],"items":[{"val":[{"colspan":"3","rowspan":"1","style":"vertical-align:top;","val":[{"type":"text","content":" _______________________________ ","length":31,"tagName":"p","attribs":{}}]}]},{"val":[{"colspan":"1","rowspan":"1","style":"vertical-align:top;","val":[{"type":"text","content":"(1)","length":3,"tagName":"p","attribs":{}}]},{"colspan":"1","rowspan":"1","style":"vertical-align:top;","val":[]},{"colspan":"1","rowspan":"1","style":"vertical-align:top;padding-left:0.0px;","val":[{"type":"text","content":"See reconciliation of non-GAAP financial measures to the corresponding GAAP measurement in "Non-GAAP Financial Measures."","length":131,"tagName":"p"}]}]}],"length":165},{"type":"text","content":" "If you want to go fast, go alone. If you want to go far, go together." – African proverb","length":99,"tagName":"p","attribs":{}},{"type":"text","content":""Our team continues to provide the best banking service to our customers and communities, even as we face uncertainty and potential economic challenges," stated Kevin McPhaill, CEO and President. "The Bank’s second quarter results reflect our team’s efforts with strong loan and deposit growth. We are proud of our bankers, and we will remain diligent, committed, and conscientious as we work to make each of our communities stronger." concluded Mr. McPhaill.","length":479,"tagName":"p"},{"type":"readMore"},{"type":"text","content":"For the first six months of 2025, the Company recognized net income of $19.7 million, or $1.43 per diluted share, as compared to $19.6 million, or $1.35 per diluted share, for the same period in 2024. The Company's improved financial performance metrics for the first half of 2025 include a net interest margin of 3.71% and an efficiency ratio of 60.02%, as compared to a net interest margin of 3.66% and efficiency ratio of 62.51% for the same period in 2024.","length":464,"tagName":"p"},{"type":"text","content":" Quarterly Income Changes (comparisons to the second quarter of 2024) ","length":68,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"Net income for the second quarter of 2025 increased $0.4 million, or 4%, to $10.6 million. Net interest income improved $0.5 million and noninterest income increased $0.9 million, or 12%. These favorable changes were partially offset by an increase in the provision for credit losses of $0.3 million, and an increase in noninterest expense of $1.1 million, or 5%.","length":363,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Included in the above $0.9 million increase in noninterest income and $1.1 million increase in noninterest expense was an $0.8 million increase in bank-owned life insurance (BOLI) designed to offset changes to deferred compensation expense. Deferred compensation expense increased $0.7 million in the second quarter of 2025 as compared to the same period in 2024 primarily due to increases in the value of participants accounts as a result of market conditions.","length":461,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":824,"olType":false},{"type":"text","content":" Linked Quarter Income Changes (comparisons to the three months ended March 31, 2025) ","length":84,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"Net income improved by $1.5 million, or 17%, driven mostly by a $0.5 million increase in net interest income, a $0.9 million decrease in the provision for credit losses, and a $1.9 million, or 29%, increase in noninterest income. These three favorable changes were partially offset by a $1.4 million, or 6%, increase in noninterest expense.","length":340,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Included in the above $1.9 million increase in noninterest income and $1.4 million increase in noninterest expense was an $1.5 million increase in bank-owned life insurance (BOLI) designed to offset changes to deferred compensation expense. Deferred compensation expense increased $1.5 million in the second quarter of 2025 as compared to the prior linked quarter primarily due to increases in the value of participants accounts as a result of market conditions.","length":462,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Net interest income increased by $0.5 million, due to an $80.9 million, or 2%, increase in average interest earnings assets.","length":124,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Other changes to noninterest income outside of the abovementioned change in BOLI associated with deferred compensation include a $0.3 million increase in service charge income, due partially to an increase in analysis fees, as well as a $0.2 million increase in death benefits from life insurance.","length":297,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":1223,"olType":false},{"type":"text","content":" Year-to-Date Income Changes (comparisons to the first six months of 2024) ","length":73,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"There was a $1.9 million increase in net interest income due mostly to a five basis point increase in net interest margin, as well as a favorable decrease in the tax rate which decreased tax expense by $0.5 million. These favorable increases were mostly offset by higher provision for credit losses.","length":299,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"There were offsetting differences to noninterest income and noninterest expense of $1.0 million.","length":96,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Noninterest income decreased $1.0 million, or 6%. There was an $0.8 million net favorable impact from the sale/leaseback and strategic balance sheet restructuring in the first half of 2024 with no like transaction in the first half of 2025. This was fully offset by a $0.8 million increase in death benefits from life insurance. The remaining variance in both noninterest income and noninterest expense is primarily due to offsetting changes in BOLI related to deferred compensation expense, and the related deferred compensation expense itself.","length":545,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":940,"olType":false},{"type":"text","content":" Balance Sheet Changes (comparisons to December 31, 2024) ","length":56,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"Total assets increased 4%, or $156.0 million, to $3.8 billion during the first six months of 2025.","length":98,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Gross loans increased $103.3 million, or 4%, due to a $75.5 million increase in mortgage warehouse loans, a $34.1 million increase in commercial real estate loans, a $6.3 million increase in construction loans and an $8.4 million increase in other commercial loans, partially offset by declines in other categories. Specifically, there was a $11.1 million decrease in residential real estate loans, a $9.6 million decrease in farmland loans, and a $0.4 million reduction in consumer loans. In addition to strong favorable growth in mortgage warehouse, new credit extended, including new fundings on non-mortgage warehouse lines of credit, was $114.5 million year-to-date in 2025 versus $75.3 million year-to-date in 2024.","length":721,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Deposits increased by $82.8 million, or 3%. The growth in deposits came primarily from noninterest bearing demand deposits. There was also a $15.0 million increase in brokered deposits. Overall customer deposits increased $67.8 million.","length":236,"tagName":"p","attribs":{}}]},{"val":[{"type":"text","content":"Other interest-bearing liabilities increased $92.0 million; $74.4 million from an increase in overnight borrowings, and $17.6 million from increased customer repurchase balances. Overnight borrowings are used to fund mortgage warehouse line advances.","length":250,"tagName":"p","attribs":{}}]}],"tagName":"ul","bulletedList":true,"length":1305,"olType":false},{"type":"text","content":"Other financial highlights are reflected in the following table.","length":64,"tagName":"p"},{"type":"table","headerItems":[],"items":[{"val":[{"colspan":"16","rowspan":"1","style":"vertical-align:bottom;padding-left:0.0px;border-top:solid black 1.0pt;","val":[{"type":"text","content":" FINANCIAL HIGHLIGHTS ","length":20,"tagName":"p","attribs":{}}]}]},{"val":[{"colspan":"16","rowspan":"1","style":"vertical-align:bottom;padding-left:0.0px;","val":[{"type":"text","content":"(Dollars in Thousands, Except Per Share Data, 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The decrease in interest expense for the quarterly comparison is primarily attributable to a $49.8 million average volume decrease in interest-bearing deposit balances and a 31 basis point decrease in interest rates paid on those balances. This positive variance was partially offset by $45.6 million in higher average balances of borrowed funds, combined with an 11 basis point increase in cost. There was a favorable shift in the deposit mix in the second quarter of 2025 as compared to the same period in 2024 with transaction accounts increasing $112.6 million while higher cost time and brokered deposits decreased. Higher cost customer time deposits decreased by $46.6 million, and wholesale brokered deposits decreased by $63.6 million. There was also a $10.5 million decrease in the average balance of savings and money market accounts. For the first half of 2025, as compared to the same period in 2024, customer time deposits and wholesale brokered deposits decreased $38.6 million, and $12.1 million respectively, while borrowed funds increased $5.5 million. Other deposits increased $74.2 million for the year-to-date comparison.","length":1410,"tagName":"p"},{"type":"text","content":"Our net interest margin was 3.68% for the second quarter of 2025, as compared to 3.74% for the linked quarter and 3.69% for the second quarter of 2024. The yield of interest-earning assets decreased three basis points for the second quarter of 2025 as compared to the linked quarter, while the cost of interest-bearing liabilities increased three basis points for the same period of comparison. The average balance of interest-earning assets increased $80.9 million for the linked quarter, while the increase in interest-bearing liabilities was $82.0 million for the same period. Although the basis point change in interest-earning assets and interest-bearing liabilities was the same, the decrease had a larger impact on interest-earning assets since those balances are $1.2 billion higher, thus causing a six basis point negative variance on the net interest margin for the linked quarter comparison.","length":902,"tagName":"p"},{"type":"text","content":" Provision for Credit Losses ","length":27,"tagName":"p"},{"type":"text","content":"The provision for credit losses on loans was $1.2 million for the second quarter of 2025, as compared to a $0.9 million provision for credit losses related to loans in the second quarter of 2024. There was a year-to-date provision for credit losses on loans of $3.2 million in 2025, as compared to $1.0 million for the same period in 2024. The Company's $0.3 million increase in the provision for credit losses on loans in the second quarter of 2025, as compared to the second quarter of 2024, and the $2.2 million year-to-date increase in the provision for credit losses on loans, compared to the same period in 2024, was primarily due to the impact of $6.3 million in net charge-offs in the first six months of 2025, with $2.9 million in net charge-offs for the first six months of 2024. The increase in net charge-offs in the second quarter of 2025 was primarily related to the $5.3 million prior allowance on an individually evaluated agricultural production loan.","length":972,"tagName":"p"},{"type":"text","content":"There was a benefit for credit losses on unfunded commitments for $0.01 million in the second quarter of 2025, and a $0.1 million provision for the first six months of 2025, as compared to a $0.02 million benefit for credit losses in the second quarter of 2024 and a $0.01 million provision for credit losses in the first six months of 2024.","length":341,"tagName":"p"},{"type":"text","content":"The Company did not record a provision for credit losses on available-for-sale debt securities. Although there were debt securities in an unrealized loss position, the declines in market values were primarily attributable to changes in interest rates and volatility in the financial markets and not a result of an expected credit loss.","length":335,"tagName":"p"},{"type":"text","content":" Noninterest Income ","length":18,"tagName":"p"},{"type":"text","content":"Total noninterest income increased by $0.9 million, or 12%, for the quarter ended June 30, 2025, as compared to the same quarter in 2024 and decreased $1.0 million, or 6%, for the comparable year-to-date periods. The quarter...

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