Short answer
SIERRA BANCORP (BSRR) filed its Q3 2025 10-Q quarterly report on Oct 31, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $44M (down 1.9% year over year) with net income of $10M.
Q3 2025 key financials · XBRL
- Revenue
- $44M
- −1.9% YoY · +2.9% QoQ
- Net income
- $10M
- −8.5% YoY · −8.8% QoQ
- EPS (diluted)
- $0.72
- −2.7% YoY · −7.7% QoQ
Source: XBRL data from the SIERRA BANCORP (BSRR) Q3 2025 10-Q on SEC EDGAR. USD.
SIERRA BANCORP Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Net income $9.7M, down 9% from $10.6M YoY
- Net interest income $32.0M, up 4% YoY; margin 3.78% vs 3.66%
- Mortgage warehouse lines strongest: average balance $395.9M vs $303.5M; agricultural loans weakest yield 5.44% vs 7.42%
- Provision for credit losses $3.7M, up $2.3M, primarily one agricultural production property
- Assets $3.7B, up 3.0% since year-end; share repurchases $24.3M and dividends $10.3M through nine months
Risk Factors
- No material changes to 10-K risk factors for fiscal year 2025
- Key carried-forward risks remain Sierra Bancorp’s disclosed banking, credit, interest-rate, liquidity, regulatory, and competitive exposures
- No newly triggered legal, regulatory, or compliance risk identified this quarter
- No quarter-specific operational, market, currency, debt-maturity, or concentration risk update disclosed
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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