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Great Bank!

The interest earned on this account is one of the best you can find anywhere. I don't understand the reviewers who give this a low rating and say that it's difficult to get the rewards rate. Nothing could be further from the truth. I've been with Bank of the Sierra since early this year, and so far it has been fantastic!

My only disappointments are that the interest rate has dropped since I opened the account (from 4.09% to a still excellent 3.09%), and the website is really not too great, in my opinion. Thus, 4, not 5, stars. But all in all I am very happy! And it is nice to support a local bank and not one of the big boys like Chase.

Foreclosed On My Business

Took out a loan to run my small business .Missed two payments and the bank foreclosed ! Tried to work something out and they would not even return my calls . They hired a big shot lawyer and spared no mercy .Paid on the loan for several years paying the Bank huge interest rates . Business was forced into chapter 7 bankruptcy by the Bank and the bank took everything . They not only got their money back but ruined my reputation making false claims about me and my family.The credit manager from Porterville is a slob. The Board of Directors should be proud of him . Went to court and the Banks Lawyer told the judge not to let my family gain any profit from the sale of the business assets .They were more interested in making it hell for me than the money . The Bank listened to false accusations from a family member that is a crook !I know most of the Board and they should be ashamed of the way they run this Bank . They are turning there backs on people who put them in business .I hope by reading this that you would reconsider Banking here . They are money hungry assholes .

I Opened Several Accounts About 6 Months Ago And Have No Issues

I opened several accounts about 6 months ago and have no issues.  Great interest rate.  I would recommend to otheres.

Zero Stars If I Could

Awful bank, no services, no help, hardly open. I have had my card info stolen 5 times already in a 2 year span with this bank. Never had my card stolen once with any other bank.



Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Bank of the Sierra had $32.05 million in non-current loans and owned real-estate with $220.43 million in equity and loan loss allowances on hand to cover it. This gives Bank of the Sierra a Texas Ratio of 14.54% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bank of the Sierra decreased dramatically from 23.71% as of June 30, 2013 to 14.54% as of June 30, 2014, resulting in a positive change of 38.67%.This indicates that the balance sheet and financial strength for Bank of the Sierra has improved dramatically in recent periods.

Deposit Growth


In the past year, Bank of the Sierra has increased its total deposits by $94.3 million, resulting in 8.14% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of the Sierra has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of the Sierra has $1.49 billion in assets with $220.43 million in equity, resulting in a capitalization level of 14.75%, which is excellent.

Institution Statistics

FDIC Certificate #22597
Year Established1978
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.49 billion
Loans$882.80 million
Deposits$1.25 billion
Equity Capital$208.80 million
Loan Loss Allowance$11.63 million
Unbacked Noncurrent Loans$27.65 million
Real Estate Owned$4.40 million
Historic Data - June 2013
Assets$1.38 billion
Equity Capital$200.34 million
Loan Loss Allowance$12.18 million
Unbacked Noncurrent Loans$27.65 million
Real Estate Owned$10.83 million
Profit Margin - Quarterly
Return on Assets1.16%
Return on Equity8.07%
Interest Income$26.63 million

Sorry, we do not have rate data for Bank of the Sierra


Bank of the Sierra has 26 locations. Click to view all Bank of the Sierra locations.