Sierra Bancorp (NASDAQ: BSRR) is a bank holding company headquartered in Porterville, California, formed in 1977. It operates primarily through its subsidiary, Bank of the Sierra, which is the largest community bank headquartered in California's Heartland. The bank provides a full range of financial services to individuals and businesses across ...Sierra Bancorp (NASDAQ: BSRR) is a bank holding company headquartered in Porterville, California, formed in 1977. It operates primarily through its subsidiary, Bank of the Sierra, which is the largest community bank headquartered in California's Heartland. The bank provides a full range of financial services to individuals and businesses across the Central Valley, Central Coast, and selected adjacent markets. Its deposit products include checking accounts, savings accounts, money market accounts, time deposits, retirement accounts, and sweep accounts. Its lending portfolio spans agricultural, commercial, consumer, real estate, construction, and mortgage loans. The bank also offers access to ATMs, electronic point-of-sale payment options, online and automated telephone banking, remote deposit capture, and automated payroll services for business clients. As of December 31, 2021, Sierra Bancorp operated 35 full-service branches, an online branch, a loan production office, an agricultural credit center, and an SBA center. The company is led by President and CEO Kevin J. McPhaill, who has been in his role since April 2015 and serves on the board of directors. Sierra Bancorp has a strong community focus and emphasizes personalized service. Financially, the company has shown resilience with a return on equity of 12.4% and a net profit margin of 22.6% as of the latest TTM. It pays a quarterly dividend and has a market cap of approximately $530 million. The company's commitment to growth is evident in its expansion across California and its investment in digital banking tools.