Sierra Bancorp (BSRR) Balance Sheet
BSRR balance sheet, 2025
December 31, 2025 · U.S. dollars$3.83B assets = $3.46B liabilities + $364.9M equity
Both columns are drawn to the same scale: what BSRR owns equals what it owes plus shareholders’ equity. Hover a block for its value.
BSRR financial health
Descriptive bands, not a rating. Fiscal 2025.
BSRR balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $2.03B2016 | $3.83B2025 | +7.3%/yr | |
| Total liabilities | $1.83B2016 | $3.46B2025 | +7.4%/yr | |
| Shareholders’ equity | $205.9M2016 | $364.9M2025 | +6.6%/yr | |
| Cash & short-term investments | $650.5M2016 | $605.0M2025 | −0.8%/yr | |
| Total debt | $99.4M2016 | $519.1M2025 | +20.2%/yr | |
| Net cash (debt) | $551.1M2016 | $85.9M2025 | −$465.2M | |
| Working capital | $1.39B2016 | −$2.61B2025 | −$4.0B | |
| Book value per share | $15.082016 | $26.842025 | +6.6%/yr | |
| Debt / equity | 0.482016 | 1.422025 | +0.94 | |
| Shares outstanding | 13.7M2016 | 13.6M2025 | −0.0%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
BSRR assets
BSRR liabilities and equity
BSRR debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
BSRR balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $605.0M | $756.6M | $1.10B | $1.01B | $1.23B | $615.4M | $680.9M | $634.6M | $628.5M | $650.5M |
| Cash & equivalents | $135.6M | $100.7M | $78.6M | $77.1M | $257.5M | $71.4M | $80.1M | $74.1M | $70.1M | $120.4M |
| Short-term investments | $469.4M | $656.0M | $1.02B | $934.9M | $973.3M | $544.0M | $600.8M | $560.5M | $558.3M | $530.1M |
| Receivables | $14.2M | $16.0M | $20.3M | $18.4M | $11.2M | $16.1M | $8.2M | $8.6M | $7.7M | $6.4M |
| Inventory | $0 | $0 | $58.3M | −$95.5M | −$268.9M | −$88.5M | −$89.1M | $1.1M | $5.5M | $2.2M |
| Other current assets | $0 | $0 | $0 | $95.5M | $268.9M | $88.5M | $89.1M | $1.25B | $1.07B | $795.6M |
| Total current assets | $619.2M | $772.6M | $1.12B | $1.03B | $1.24B | $631.5M | $689.1M | $1.89B | $1.71B | $1.45B |
| Property, plant & equipment (net) | $15.0M | $15.2M | $16.9M | $22.5M | $23.6M | $27.5M | $27.4M | $29.5M | $29.4M | $28.9M |
| Goodwill & intangible assets | $27.4M | $28.0M | $28.8M | $29.6M | $30.6M | $31.7M | $32.7M | $33.8M | $33.6M | $11.1M |
| Long-term investments | $943.1M | $991.3M | $1.36B | $1.27B | $973.3M | $2.99B | $2.36B | $569.4M | $569.9M | $538.2M |
| Other non-current assets | $2.22B | $1.81B | $1.21B | $1.25B | $1.10B | $0 | $0 | $0 | $0 | $0 |
| Total assets | $3.83B | $3.61B | $3.73B | $3.61B | $3.37B | $3.22B | $2.59B | $2.52B | $2.34B | $2.03B |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $2.85B | $2.78B | $2.62B | $2.17B | $2.12B | $1.99B | $1.70B |
| Short-term debt | $353.6M | $108.9M | $387.6M | $328.2M | $108.8M | $142.9M | $20.0M | $56.1M | $21.9M | $65.0M |
| Total current liabilities | $3.23B | $3.00B | $3.15B | $3.17B | $2.38B | $142.9M | $20.0M | $56.1M | $21.9M | $65.0M |
| Long-term debt | $165.5M | $165.2M | $85.0M | $84.7M | $84.4M | $35.1M | $34.9M | $34.8M | $34.6M | $34.4M |
| Other long-term liabilities | $68.9M | $91.2M | $157.9M | $46.0M | $0 | $0 | $0 | $0 | $0 | $0 |
| Total liabilities | $3.46B | $3.26B | $3.39B | $3.31B | $84.4M | $2.88B | $2.28B | $2.25B | $2.08B | $1.83B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $103.4M | $109.0M | $110.4M | $112.9M | $116.9M | $117.1M | $116.5M | $112.5M | $111.1M | $72.6M |
| Retained earnings (deficit) | $280.0M | $275.1M | $259.1M | $243.1M | $234.4M | $208.4M | $186.9M | $164.1M | $144.2M | $132.2M |
| Treasury stock | — | — | — | — | — | — | — | — | $0 | $0 |
| Accumulated other comprehensive income | −$23.2M | −$31.3M | −$36.0M | −$56.6M | $11.2M | $18.4M | $5.9M | −$6.7M | −$2.3M | −$1.8M |
| Minority interest | — | — | — | — | — | — | — | — | $0 | $0 |
| Total shareholders' equity | $364.9M | $357.3M | $338.1M | $303.6M | $3.29B | $343.9M | $309.3M | $273.0M | $255.9M | $205.9M |
| Key figures | ||||||||||
| Total debt | $519.1M | $274.1M | $552.6M | $412.9M | $193.3M | $178.0M | $54.9M | $90.9M | $56.5M | $99.4M |
| Net cash (debt) | $85.9M | $482.5M | $545.2M | $599.2M | $1.04B | $437.4M | $625.9M | $543.7M | $572.0M | $551.1M |
| Working capital | −$2.61B | −$2.23B | −$2.03B | −$2.14B | −$1.14B | $488.6M | $669.1M | $1.83B | $1.69B | $1.39B |
| Tangible book value | $337.5M | $329.3M | $309.3M | $273.9M | $3.26B | $312.2M | $276.5M | $239.2M | $222.4M | $194.8M |
| Book value per share | $26.84 | $24.82 | $22.94 | $20.21 | $214.06 | $22.51 | $20.04 | $17.69 | $17.83 | $15.08 |
| Shares outstanding | 13.6M | 14.4M | 14.7M | 15.0M | 15.4M | 15.3M | 15.4M | 15.4M | 14.4M | 13.7M |
| Current ratio | 0.19 | 0.26 | 0.36 | 0.32 | 0.52 | 4.42 | 34.46 | 33.69 | 77.96 | 22.38 |
| Quick ratio | 0.19 | 0.26 | 0.36 | 0.32 | 0.52 | 4.42 | 34.46 | 11.47 | 29.05 | 10.11 |
| Debt / equity | 1.42 | 0.77 | 1.63 | 1.36 | 0.06 | 0.52 | 0.18 | 0.33 | 0.22 | 0.48 |
| Equity / assets | 9.5% | 9.9% | 9.1% | 8.4% | 97.5% | 10.7% | 11.9% | 10.8% | 10.9% | 10.1% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $1.04B | $613.5M | $605.0M | $692.4M | $1.10B | $620.7M | $756.6M | $839.1M | $900.8M | $861.0M | $1.10B | $1.10B |
| Cash & equivalents | $142.7M | $156.4M | $135.6M | $95.5M | $130.0M | $159.7M | $100.7M | $132.8M | $184.0M | $119.2M | $78.6M | $88.5M |
| Short-term investments | $894.7M | $457.2M | $469.4M | $596.9M | $967.3M | $461.0M | $656.0M | $706.3M | $716.8M | $741.8M | $1.02B | $1.01B |
| Receivables | $0 | $0 | $14.2M | $0 | $0 | $0 | $16.0M | $0 | $0 | $0 | $20.3M | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $58.3M | $0 |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $1.04B | $613.5M | $619.2M | $692.4M | $1.10B | $620.7M | $772.6M | $839.1M | $900.8M | $861.0M | $1.12B | $1.10B |
| Property, plant & equipment (net) | $14.1M | $14.4M | $15.0M | $41.9M | $15.3M | $15.3M | $15.2M | $15.6M | $16.0M | $16.1M | $16.9M | $21.9M |
| Goodwill & intangible assets | $27.4M | $27.4M | $27.4M | $27.5M | $27.7M | $27.8M | $28.0M | $27.4M | $28.3M | $28.5M | $28.8M | $29.0M |
| Long-term investments | $894.7M | $903.0M | $943.1M | $891.4M | $967.3M | $922.4M | $991.3M | $1.02B | $1.03B | $1.06B | $1.36B | $1.33B |
| Other non-current assets | $1.75B | $2.20B | $2.22B | $2.06B | $1.66B | $2.02B | $1.81B | $1.80B | $1.71B | $1.59B | $1.21B | $1.26B |
| Total assets | $3.72B | $3.75B | $3.83B | $3.71B | $3.77B | $3.61B | $3.61B | $3.70B | $3.68B | $3.55B | $3.73B | $3.74B |
| Liabilities | ||||||||||||
| Short-term debt | $122.4M | $257.8M | $353.6M | $180.7M | $200.9M | $118.8M | $108.9M | $125.5M | $148.0M | $121.9M | $387.6M | $331.9M |
| Total current liabilities | $3.05B | $3.18B | $3.23B | $3.11B | $3.18B | $2.97B | $3.00B | $3.09B | $3.09B | $2.97B | $3.15B | $3.20B |
| Long-term debt | $120.6M | $140.6M | $165.5M | $165.4M | $165.4M | $165.3M | $165.2M | $165.2M | $165.1M | $165.0M | $85.0M | $85.5M |
| Lease obligations | — | — | — | $23.1M | $22.8M | — | — | — | — | — | — | — |
| Other long-term liabilities | $179.9M | $66.6M | $68.9M | $70.4M | $73.9M | $120.5M | $91.2M | $84.6M | $75.7M | $74.1M | $157.9M | $142.9M |
| Total liabilities | $3.35B | $3.39B | $3.46B | $3.35B | $3.41B | $3.25B | $3.26B | $3.34B | $3.33B | $3.21B | $3.39B | $3.43B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $102.6M | $103.0M | $103.4M | $104.0M | $105.0M | $106.3M | $109.0M | $108.4M | $107.9M | $109.3M | $110.4M | $109.6M |
| Retained earnings (deficit) | $283.9M | $281.4M | $280.0M | $276.2M | $274.4M | $269.9M | $275.1M | $273.6M | $267.5M | $262.9M | $259.1M | $256.2M |
| Accumulated other comprehensive income | −$24.2M | −$24.9M | −$23.2M | −$25.2M | −$28.7M | −$28.9M | −$31.3M | −$28.6M | −$30.7M | −$31.9M | −$36.0M | −$61.9M |
| Total shareholders' equity | $366.9M | $363.7M | $364.9M | $360.1M | $355.7M | $351.8M | $357.3M | $358.7M | $350.0M | $345.1M | $338.1M | $308.9M |
| Key figures | ||||||||||||
| Total debt | $208.0M | $398.4M | $519.1M | $369.3M | $389.1M | $284.1M | $274.1M | $290.7M | $313.1M | $286.9M | $552.6M | $496.8M |
| Net cash (debt) | $829.4M | $215.2M | $85.9M | $323.1M | $708.3M | $336.6M | $482.5M | $548.4M | $587.7M | $574.2M | $545.2M | $602.2M |
| Working capital | −$2.02B | −$2.57B | −$2.61B | −$2.42B | −$2.08B | −$2.35B | −$2.23B | −$2.25B | −$2.19B | −$2.11B | −$2.03B | −$2.10B |
| Tangible book value | $339.5M | $336.3M | $337.5M | $332.6M | $328.1M | $323.9M | $329.3M | $331.3M | $321.7M | $316.6M | $309.3M | $279.9M |
| Book value per share | $28.16 | $27.77 | $27.33 | $26.33 | $25.82 | $25.28 | $24.99 | $25.02 | $24.34 | $23.71 | $23.18 | $21.10 |
| Shares outstanding | 13.0M | 13.1M | 13.4M | 13.7M | 13.8M | 13.9M | 14.3M | 14.3M | 14.4M | 14.6M | 14.6M | 14.6M |
| Current ratio | 0.34 | 0.19 | 0.19 | 0.22 | 0.35 | 0.21 | 0.26 | 0.27 | 0.29 | 0.29 | 0.36 | 0.34 |
| Quick ratio | 0.34 | 0.19 | 0.19 | 0.22 | 0.35 | 0.21 | 0.26 | 0.27 | 0.29 | 0.29 | 0.36 | 0.34 |
| Debt / equity | 0.57 | 1.10 | 1.42 | 1.03 | 1.09 | 0.81 | 0.77 | 0.81 | 0.89 | 0.83 | 1.63 | 1.61 |
| Equity / assets | 9.9% | 9.7% | 9.5% | 9.7% | 9.4% | 9.8% | 9.9% | 9.7% | 9.5% | 9.7% | 9.1% | 8.3% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed February 27, 2026); data from EODHD.
BSRR financial position
At the end of fiscal 2025 (December 31, 2025), Sierra Bancorp had total assets of $3.8 billion (up 5.9% from a year earlier), total liabilities of $3.5 billion and shareholders' equity of $364.9 million. It held $605.0 million in cash and short-term investments against $519.1 million of debt, a net cash position of $85.9 million. Its current ratio was 0.19. In the latest quarter (ended June 30, 2026) total assets were $3.7 billion and equity $366.9 million.
Related: BSRR income statement, BSRR cash flow statement, BSRR key metrics. See the BSRR stock overview for the latest quote and news.
BSRR balance sheet FAQ
What are Sierra Bancorp's total assets?
Sierra Bancorp reported total assets of $3.8 billion at the end of fiscal 2025 (December 31, 2025), compared with $3.6 billion a year earlier.
How much debt does Sierra Bancorp have?
Sierra Bancorp had $519.1 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 1.42.
How much cash does Sierra Bancorp have?
Sierra Bancorp held $605.0 million in cash and short-term investments at the end of fiscal 2025; with $519.1 million of debt that is net cash of $85.9 million.
What is Sierra Bancorp's book value?
Sierra Bancorp's shareholders' equity (book value) was $364.9 million at the end of fiscal 2025, or $26.84 per share.
What is Sierra Bancorp's current ratio?
Sierra Bancorp had current assets of $619.2 million and current liabilities of $3.2 billion, a current ratio of 0.19 (current liabilities exceed current assets).
How much goodwill does Sierra Bancorp have?
Sierra Bancorp carried $27.4 million of goodwill and intangible assets, 0.7% of total assets, at the end of fiscal 2025.