Bank of the Sierra

Headquarters: Porterville, California
Charter: Bank
Assets: $3.7B
Fed district: San Francisco
Regulator: FDIC
Holding company: Sierra Bancorp

16 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 10, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 10, 2026

How these figures are measured

Call-report figures are for Bank of the Sierra at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Bank of the Sierra's published fee schedule; Bank Fee Index medians	Current schedule	Oct 10, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Bank of the Sierra (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $3.5M in Q2 2026, 9.0% above the same quarter a year earlier ($3.2M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $6.50, the middle of its prices
Bank of the Sierra: $3 to $10
Bank of the Sierra: $3 to $10
U.S. median: no median
Non-Network ATM
Bank of the Sierra: $2.50
Bank of the Sierra: $2.50
U.S. median: no median
Wire Transfer (Domestic Out)
Bank of the Sierra: $20 to $27.50
Bank of the Sierra: $20 to $27.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 10, 2026View sources

Each amount links to the fee schedule it was read from. Medians for California, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
California: Banks and credit unions headquartered in California that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 2.6% from Q3 2025 to Q2 2026, to $3.5M.

Service-charge income, Q2 2026

$3.5M

$3.4MQ3 2025

$3.4MQ4 2025

$3.2MQ1 2026

$3.5MQ2 2026

Against the median

Bank of the SierraMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Bank of the Sierra · $3.7B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 21 states.

Banks only
$3.5B to $4B in assets
Headquartered in 21 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Bank of the Sierra(this institution)	Porterville, CA	$3.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Banco do Brasil Americas	Miami, FL	$3.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bank of Utah	Ogden, UT	$3.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bankwell Bank	New Canaan, CT	$3.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Capital Bank, National Association	Rockville, MD	$3.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Central Bank & Trust Co.	Lexington, KY	$4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Colony Bank	Fitzgerald, GA	$3.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Commercial Bank of California	Irvine, CA	$4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Cornerstone Capital Bank, SSB	Houston, TX	$3.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Community Bank	Batesville, AR	$3.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Community Bank	Bluefield, VA	$3.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First Guaranty Bank	Hammond, LA	$3.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First PREMIER Bank	Sioux Falls, SD	$3.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Frandsen Bank & Trust	Lonsdale, MN	$3.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Gulf Coast Bank and Trust Company	New Orleans, LA	$3.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Home Bank, National Association	Lafayette, LA	$3.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Independence Bank of Kentucky	Owensboro, KY	$3.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Manasquan Bank	Manasquan, NJ	$3.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
MVB Bank, Inc	Fairmont, WV	$3.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Old Plank Trail Community Bank, National Association	New Lenox, IL	$3.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Pinnacle Bank	Elberton, GA	$4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
RCB Bank	Claremore, OK	$4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
River Bank & Trust	Prattville, AL	$4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Security Bank of Kansas City	Kansas City, KS	$3.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Union Savings Bank	Cincinnati, OH	$4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
West Bank	West Des Moines, IA	$4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $2.50 (28%) below the median of similar-sized banks.

Compared at $6.50, the middle of its two prices, against a peer median of $9 among 15 publishing peers.

Its two checking prices are $3 and $10.

$6.50 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Bank of the Sierra: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer medianInclude $17.50 outlierShown past the axis break, not to scale, so the rest of the set has room.

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Bank of the Sierra (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $3.5M
vs prior quarter: +$318K+9.9%; from Q1 2026
vs a year earlier: +$290K+9.0%; from Q2 2025
vs start of range: −$11K−0.3%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Bank of the Sierra (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$3.5M	+$318K	+9.9%
Q1 2026	$3.2M	−$223K	−6.5%
Q4 2025	$3.4M	−$5K	−0.1%
Q3 2025	$3.4M	+$200K	+6.2%
Q2 2025	$3.2M	+$122K	+3.9%
Q1 2025	$3.1M	−$348K	−10.1%
Q4 2024	$3.5M	−$75K	−2.1%
Q3 2024	$3.5M	+$148K	+4.4%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Bank of the Sierra’s own schedules, with a source for each figure.

Account Maintenance

Monthly Fee$3
per month
Monthly Maintenance Service Charge$10
per month
Early Account Closure within 6 Months - DDAEarly Account Closure within 6 Months - DDA$25
Early Account Closure within 6 Months - SAVEarly Account Closure within 6 Months - SAV$5
Excess Transaction - All Personal/Business SAVExcess Transaction - Sierra Personal MMA$12
Excess Transaction - All Personal SAVExcess Transaction - All Personal SAV$2

ATM & Card

Non-Bank of the Sierra ATM - CustomerNon-Bank of the Sierra ATM - Customer$2.50
Sierra Debit Card Replacement - per cardSierra Debit Card Replacement - per card$5
per item
Expedited Card FeeExpedited Card Fee$45

Wire Transfers

Online Outgoing Wire Domestic - per wireOnline Outgoing Wire Domestic - per wire$20
per item
Outgoing Wire Domestic - per wireOutgoing Wire Domestic - per wire$27.50
per item
Incoming Wire Fee - per wireIncoming Wire Fee - per wire$15
per item
Online Outgoing Wire Foreign (USD) - per wireOnline Outgoing Wire Foreign (USD) - per wire$40
per item
Outgoing Wire Foreign (USD) - per wireOutgoing Wire Foreign (USD) - per wire$50
per item

Check Services

Cashier’s Check - per checkCashier’s Check - per check$6
per item
Cashier’s Check Non-Customer - per checkCashier’s Check Non-Customer - per check$12
per item
Stop Payment In Branch - per itemStop Payment In Branch - per item$30
per item
Stop Payment Online - per itemStop Payment Online - per item$15
per item
Counter Check Fee - per sheetCounter Check Fee - per sheet$2
per item
Photocopies$0.50
per item · Per page
Photocopy of Paid Check - per itemPhotocopy of Paid Check - per item$1
per item

Account Services

2 X 5 Safe Deposit Box - Annual Fee2 X 5 Safe Deposit Box - Annual Fee$30
per year
7 X 10 Safe Deposit Box - Annual Fee7 X 10 Safe Deposit Box - Annual Fee$100
per year
9 X 10 Safe Deposit Box - Annua$150
per year
Collections - ForeignCollections - Foreign | At CostAt Cost | 6 X 10 Safe Deposit Box - Annual Fee6 X 10 Safe Deposit Box$90
per year
Missing Key (audience not stated, treated as personal)$25
Not compared: Box drilling or key fee
per item

Other Fees

Fax Services Additional Page - per pageFax Services Additional Page - per page$1
per item
Fax Services First Page (audience not stated, treated as personal)$3
per item
Fax Services First PageFax Services First Page$3
Photocopies - per pagePhotocopies - per page$0.50
per item
Special Statement Request/Copy - per statementSpecial Statement Request/Copy - per statement$6
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Fee	$3	per month	None
Monthly Maintenance Service Charge	$10	per month	None
Early Account Closure within 6 Months - DDAEarly Account Closure within 6 Months - DDA	$25	Not stated	None
Early Account Closure within 6 Months - SAVEarly Account Closure within 6 Months - SAV	$5	Not stated	None
Excess Transaction - All Personal/Business SAVExcess Transaction - Sierra Personal MMA	$12	Not stated	None
Excess Transaction - All Personal SAVExcess Transaction - All Personal SAV	$2	Not stated	None
ATM & Card
Non-Bank of the Sierra ATM - CustomerNon-Bank of the Sierra ATM - Customer	$2.50	Not stated	None
Sierra Debit Card Replacement - per cardSierra Debit Card Replacement - per card	$5	per item	None
Expedited Card FeeExpedited Card Fee	$45	Not stated	None
Wire Transfers
Online Outgoing Wire Domestic - per wireOnline Outgoing Wire Domestic - per wire	$20	per item	None
Outgoing Wire Domestic - per wireOutgoing Wire Domestic - per wire	$27.50	per item	None
Incoming Wire Fee - per wireIncoming Wire Fee - per wire	$15	per item	None
Online Outgoing Wire Foreign (USD) - per wireOnline Outgoing Wire Foreign (USD) - per wire	$40	per item	None
Outgoing Wire Foreign (USD) - per wireOutgoing Wire Foreign (USD) - per wire	$50	per item	None
Check Services
Cashier’s Check - per checkCashier’s Check - per check	$6	per item	None
Cashier’s Check Non-Customer - per checkCashier’s Check Non-Customer - per check	$12	per item	None
Stop Payment In Branch - per itemStop Payment In Branch - per item	$30	per item	None
Stop Payment Online - per itemStop Payment Online - per item	$15	per item	None
Counter Check Fee - per sheetCounter Check Fee - per sheet	$2	per item	None
Photocopies	$0.50	per item	Per page
Photocopy of Paid Check - per itemPhotocopy of Paid Check - per item	$1	per item	None
Account Services
2 X 5 Safe Deposit Box - Annual Fee2 X 5 Safe Deposit Box - Annual Fee	$30	per year	None
7 X 10 Safe Deposit Box - Annual Fee7 X 10 Safe Deposit Box - Annual Fee	$100	per year	None
9 X 10 Safe Deposit Box - Annua	$150	per year	None
Collections - ForeignCollections - Foreign \| At CostAt Cost \| 6 X 10 Safe Deposit Box - Annual Fee6 X 10 Safe Deposit Box	$90	per year	None
Missing Key (audience not stated, treated as personal)	$25Not compared: Box drilling or key fee	per item	None
Other Fees
Fax Services Additional Page - per pageFax Services Additional Page - per page	$1	per item	None
Fax Services First Page (audience not stated, treated as personal)	$3	per item	None
Fax Services First PageFax Services First Page	$3	Not stated	None
Photocopies - per pagePhotocopies - per page	$0.50	per item	None
Special Statement Request/Copy - per statementSpecial Statement Request/Copy - per statement	$6	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 10, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Bank of the Sierra operates, and what regulators and customers have on file.

Market position

In Visalia, CA, Bank of the Sierra holds 20.9% of bank deposits, #1 of 13, with 12 offices.

Compare fees with the 17 Visalia, CA banks and credit unions in its home-metro peer set →

Offices in the metro

69 offices of 20 institutions shown.

Bank of the SierraOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Visalia, CA metro (FDIC metro code 47300), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 2 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Bank of the Sierra20.9%
2Bank of America, National Association17.6%
3Wells Fargo Bank, National Association17.4%
4JPMorgan Chase Bank, National Association10.6%
5Citizens Business Bank, National Association8.3%
6BMO Bank National Association5.6%
7U.S. Bank National Association4.5%
8Mechanics Bank4.0%

8 of 13 institutions shown. $7.4B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Visalia, CA metro (FDIC metro code 47300)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 20.9% share, 12 offices, #1 of 13

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Visalia, CA metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

26 offices of 7 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Holding company

SIERRA BANCORP (Nasdaq: BSRR)

Consolidated assets

$3.7B

Shareholders' equity

$361.7M

As of

2026Q3

Net income by quarter

Recent SEC filings

8-KFORM 8-K2026-11-04View
10-QFORM 10-Q2026-10-30View
8-KFORM 8-K2026-10-26View
8-KFORM 8-K2026-10-23View
8-KFORM 8-K2026-09-08View
10-Q10-Q2026-07-31View
8-K8-K2026-07-27View
8-K8-K2026-07-27View
8-K8-K2026-07-27View
8-K8-K2026-07-24View
8-K8-K2026-05-21View
8-K8-K2026-05-04View

Source: SEC EDGAR filings and XBRL financial data, CIK 1130144. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.

Fee change alerts

Get an email when Bank of the Sierra's safe deposit box changes in our data

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