HIGHBuilt-inLoan_portfolio
72%
real estate loans
“10-K Item 1A: 'At December 31, 2025, 72.0% of our loan portfolio consisted of real estate loans'”
BSRR · Concentration risk · 10-K extracted
Sierra Bancorp (BSRR) concentration risks
Updated
The most significant concentration Sierra Bancorp discloses is real estate loans at 72%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Sierra Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 4 disclosed concentrations
HIGH2
MEDIUM1
LOW1
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inLoan_portfolio
54.6%
commercial real estate loans
“10-K Item 1: 'The Company had two loan categories that could be considered to be concentrations. The first was commercial real estate loans, which constituted 54.6% of total gross loans, with segments in retail (12.1%), office space (5.9%), and hospitality (9.4%).'”
MEDIUMOutside partyLoan_portfolio
25%
uninsured deposits
“10-K Item 1A: 'At December 31, 2025, the Bank estimates it had uninsured deposits of $703 million, or 25% of total deposits.'”
LOWBuilt-inLoan_portfolio
20.4%
mortgage warehouse loans
“10-K Item 1: 'The second loan category that could be considered a concentration was mortgage warehouse, which made up 20.4% of total gross loans.'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Sierra Bancorp's loan book carries a heavy, structural tilt toward real estate: 72.0% of the loan portfolio consists of real estate loans, and within that, commercial real estate loans alone constitute 54.6% of total gross loans, with sub-segments in retail at 12.1%, office space at 5.9%, and hospitality at 9.4%. Both figures reflect the bank's chosen lending mix rather than dependence on any single borrower, making this the structural exposure most capable of moving the verdict if commercial property values or specific segments like office deteriorate. A second, unrelated concentration sits in the funding base: an estimated $703 million, or 25% of total deposits, was uninsured and/or uncollateralized, a dependency-type exposure tied to depositor behavior in a stress scenario rather than to loan performance. A smaller, additional loan concentration exists in mortgage warehouse lending, which made up 20.4% of total gross loans, a low-share but still notable category. Netting these together, Sierra Bancorp's risk is dominated by its real estate and commercial real estate loan mix, with a secondary, moderate liquidity-side sensitivity from partially uninsured deposits.
For the engine’s reasoning on BSRR’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| BSRR● | Sierra Bancorp | 2 | 1 | 1 | 4 |
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.