BlastPoint's Banking Scorecard
Bank of the Sierra
Community
Specialty: Commercial
CA
FDIC cert 22597
Porterville, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Bank of the Sierra shows strong momentum with 1 strength and 6.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 13.72% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.8B
+6.1% YoY
+3.2% QoQ
|
+$2.4B |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 4% in tier |
| Total Loans ? |
$2.5B
+9.5% YoY
+2.4% QoQ
|
+$1.5B |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$2.9B
-0.7% YoY
-2.0% QoQ
|
+$1.7B |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
1.28%
+1.2% YoY
+6.1% QoQ
|
+0.12% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
3.83%
+2.1% YoY
-0.2% QoQ
|
+0.16% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
56.02%
+0.3% YoY
-0.6% QoQ
|
-6.61% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
0.52%
-38.6% YoY
-7.7% QoQ
|
-0.10% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
87.58%
+10.3% YoY
+4.4% QoQ
|
+4.52% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
34.77%
-1.0% YoY
-5.4% QoQ
|
+13.72% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.39%
-29.1% YoY
-9.5% QoQ
|
-0.11% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.80%
-15.9% YoY
+27.6% QoQ
|
+0.06% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Community
Why this stands out
Current:
34.77%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Total Assets
Current: $3.8B · Tier avg: $1.4B
95
95th pctile
Total Deposits
Current: $2.9B · Tier avg: $1.2B
94
94th pctile
Total Loans
Current: $2.5B · Tier avg: $975.5M
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.77% · Tier avg: 21.05%
77
77th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.74%
70
70th pctile
Efficiency Ratio
Current: 56.02% · Tier avg: 62.63%
62
62th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.16%
61
61th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.66%
58
58th pctile
Loan-to-Deposit Ratio
Current: 87.58% · Tier avg: 83.06%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.50%
45
45th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
45
45th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.63%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.50%
58
58th pctile
Loan-to-Deposit Ratio
Current: 87.58% · Tier avg: 83.06%
61
61th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.66%
62
62th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.16%
70
70th pctile
Efficiency Ratio
Current: 56.02% · Tier avg: 62.63%
77
77th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.74%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.77% · Tier avg: 21.05%
94
94th pctile
Total Loans
Current: $2.5B · Tier avg: $975.5M
95
95th pctile
Total Deposits
Current: $2.9B · Tier avg: $1.2B
96
96th pctile
Total Assets
Current: $3.8B · Tier avg: $1.4B