Sierra Bancorp (BSRR) risk factors

Item 1A of every Sierra Bancorp 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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FY2025 10-K risk factors
13 risks4 new3 dropped5 reworded
Macroeconomic instability and interest rate volatility dominate Sierra Bancorp's risk profile, alongside heavy real estate loan concentration and technology integration challenges.
Filed Feb 27, 2026
FY2024 10-K risk factors
12 risks
Sierra Bancorp faces heavy exposure to real estate loan concentrations, regulatory restrictions on emerging businesses, and potential credit losses from economic volatility.
Filed Mar 03, 2025