Sierra Bancorp is a California-based bank holding company that operates Bank of the Sierra, serving customers across the South San Joaquin Valley, Central Coast, Ventura County, and surrounding regions through a network of full-service branch locations. The bank generates revenue primarily through lending and deposit-taking, with the vast majority of its loan portfolio consisting of real estate-secured loans—particularly commercial real estate in office, retail, and hospitality sectors—supplemented by mortgage warehouse loans, commercial and agricultural loans, and SBA loans, while offering a full range of deposit products including checking, savings, money market, and retirement accounts. The bank competes in California's highly competitive banking market by emphasizing community-oriented, personalized service, product flexibility, and digital banking capabilities including online account opening, mobile banking, and extended ATM access, while deriving most of its profitability from net interest income on real estate lending and fee income from deposit services.