SIERRA BANCORP

For the period ended Dec 31, 2025. Filed Feb 27, 2026.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Feb 27, 2026

BSRR$42.14+0.5%Stored close · as of Nov 10, 2026

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Contents

Item 15. Exhibits and Financial Statement Schedules

ITEM 15. EXHIBITS, FINANCIAL STATEMENT SCHEDULES, AND REPORTS ON FORM 8-K

(a)	Exhibits


Exhibit #		Description

3.1		Restated Articles of Incorporation of Sierra Bancorp (1)
3.2		Amended and Restated By-laws of the Company (2)
4.1		Description of Securities (3)
4.2		3.25% Fixed to Floating Subordinated Debt issued September 24, 2021 (4)
4.3		Indenture dated as of March 17, 2004 between U.S. Bank N.A., as Trustee, and Sierra Bancorp, as Issuer (7)
4.4		Indenture dated as of June 15, 2006 between Wilmington Trust Co., as Trustee, and Sierra Bancorp, as Issuer (8)
4.5		Indenture dated as of September 20, 2007 between Wilmington Trust Co., as Trustee, and Coast Bancorp, as Issuer (13)
4.6		First Supplemental Indenture dated as of July 8, 2016, between Wilmington Trust Co. as Trustee, Sierra Bancorp as the “Successor Company”, and Coast Bancorp (13)
10.1		Salary Continuation Agreement for Kenneth R. Taylor (5)*
10.2		Split Dollar Agreement for Kenneth R. Taylor (6)*
10.3		Director Retirement and Split dollar Agreements Effective October 1, 2002, for Albert Berra, and Morris Tharp (6)*
10.4		401 Plus Non-Qualified Deferred Compensation Plan (6)*
10.5		Amended and Restated Declaration of Trust of Sierra Statutory Trust II, dated as of March 17, 2004 (7)
10.6		Amended and Restated Declaration of Trust of Sierra Capital Trust III, dated as of June 15, 2006 (8)
10.7		2007 Stock Incentive Plan (9)*
10.8		Sample Retirement Agreement Entered into with Each Non-Employee Director Effective January 1, 2007 (10)*
10.9		Salary Continuation Agreement for Kevin J. McPhaill (10)*
10.10		First Amendment to the Salary Continuation Agreement for Kenneth R. Taylor (10)*
10.11		Second Amendment to the Salary Continuation Agreement for Kenneth R. Taylor (11)*
10.12		First Amendment to the Salary Continuation Agreement for Kevin J. McPhaill (12)*
10.13		Amended and Restated Declaration of Trust of Coast Bancorp Statutory Trust II, dated as of September 20, 2007 (13)
10.14		2017 Stock Incentive Plan (14)*
10.15		Employment agreements dated as of December 27, 2018 for Kevin McPhaill, CEO, and Michael Olague, Chief Banking Officer (15)*
10.16		Employment agreement dated as of November 15, 2019 for Christopher Treece, EVP and CFO (16)*
10.17		Employment agreement dated as of December 14, 2020 for Hugh Boyle, Chief Credit Officer (17)*
10.18		Form Indemnification Agreement dated as of January 28, 2021 for Directors and Executive Officers(18)*
10.19		Split Dollar Master Agreement and Election Form Effective October 1, 2002, for Kevin McPhaill (19)*
10.20		Salary Continuation Agreement for James C. Holly (5)*
10.21		Split Dollar Agreement and Amendment thereto for James C. Holly (6)*
10.22		First Amendments to employment agreements dated as of January 19, 2023 for Kevin McPhaill, CEO, Christopher Treece, CFO, Hugh Boyle, CCO, and Michael Olague, CBO (20)*
10.23		Split Dollar Agreement for Albert Berra (22)*
10.24		Employment agreement dated as of August 25, 2023 for Natalia Coen, Chief Risk Officer (21)*
10.25		2023 Equity Based Compensation Plan (24)*
10.26		Employment agreement dated as of July 01, 2025, for William Wade, Chief Operating Officer (25)*
19		Insider Trading Policy
21		Subsidiaries of Sierra Bancorp
23.1		Consent of Forvis Mazars LLP
23.2		Consent of RSM US LLP
31.1		Certification of Chief Executive Officer (Section 302 Certification)
31.2		Certification of Chief Financial Officer (Section 302 Certification)
32		Certification of Periodic Financial Report (Section 906 Certification)
97.1		Incentive Compensation Recovery Policy (23)
101.INS		XBRL Instance Document - the instance document does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document.
101.SCH		XBRL Taxonomy Extension Schema Document
101.CAL		XBRL Taxonomy Extension Calculation Linkbase Document
101.DEF		XBRL Taxonomy Extension Definition Linkbase Document
101.LAB		XBRL Taxonomy Extension Label Linkbase Document
101.PRE		XBRL Taxonomy Extension Presentation Linkbase Document
104		Cover Page Interactive Data File - The cover page interactive data file does not appear in the Interactive Data File because its XBRL tags are embedded within the Inline XBRL document.

(1)	Filed as Exhibit 3.1 to the Form 10-Q filed with the SEC on August 7, 2009, and incorporated herein by reference.

(2)	Filed as Exhibit 3.3 to the Form 8-K filed with the SEC on February 21, 2007, and incorporated herein by reference.

(3)	Filed as Exhibit 4.1 to the Form 10-K filed with the SEC on March 12, 2021, and incorporated herein by reference.

(4)	Filed as Exhibit 4.1 to the Form 8-K filed with the SEC on September 24, 2021, and incorporated herein by reference.

(5)	Filed as Exhibits 10.5 and 10.7 to the Form 10-Q filed with the SEC on May 15, 2003, and incorporated herein by reference.

(6)	Filed as Exhibits 10.10, 10.12, 10.18 through 10.20, and 10.22 to the Form 10-K filed with the SEC on March 15, 2006 and incorporated herein by reference.

(7)	Filed as Exhibits 10.9 and 10.10 to the Form 10-Q filed with the SEC on May 14, 2004, and incorporated herein by reference.

(8)	Filed as Exhibits 10.26 and 10.27 to the Form 10-Q filed with the SEC on August 9, 2006, and incorporated herein by reference.

(9)	Filed as Exhibit 10.20 to the Form 10-K filed with the SEC on March 15, 2007, and incorporated herein by reference.

(10)	Filed as Exhibits 10.1 through 10.3 to the Form 8-K filed with the SEC on January 8, 2007, and incorporated herein by reference.

(11)	Filed as Exhibit 10.23 to the Form 10-K filed with the SEC on March 13, 2014, and incorporated herein by reference.

(12)	Filed as Exhibit 10.24 to the Form 10-Q filed with the SEC on May 7, 2015, and incorporated herein by reference.

(13)	Filed as Exhibits 10.1 through 10.3 to the Form 8-K filed with the SEC on July 11, 2016, and incorporated herein by reference.

(14)	Filed as Exhibit 10.1 to the Form 8-K filed with the SEC on March 17, 2017 and incorporated herein by reference.

(15)	Filed as Exhibits 99.1 and 99.4 to the Form 8-K filed with the SEC on December 28, 2018, and incorporated by reference.

(16)	Filed as Exhibit 99.1 to the Form 8-K filed with the SEC on November 11, 2019, and incorporated by reference.

(17)	Filed as Exhibit 10.1 to the Form 8-K filed with the SEC on December 09, 2020, and incorporated herein by reference.

(18)	Filed as Exhibit 10.1 to the Form 8-K filed with the SEC on January 29, 2021, and incorporated herein by reference.

(19)	Filed as Exhibit 10.25 to the Form 10-Q filed with the SEC on November 3, 2022, and incorporated herein by reference.

(20)	Filed as Exhibits 10.1 through 10.5 to the form 8-K filed with the SEC on January 19, 2023, and incorporated herein by reference.

(21)	Filed as Exhibit 10.1 to the form 8-K filed with the SEC on August 31, 2023, and incorporated herein by reference.

(22)	Filed as Exhibit 10.26 to the form 10-Q filed with the SEC on May 5, 2023, and incorporated herein by reference.

(23)	Filed as Exhibit 97.1 to the form 10-K filed with the SEC on March 22, 2024, and incorporated herein by reference.

(24)	Filed as Exhibit 4.1 to the form S-8 filed with the SEC on June 15, 2023, and incorporated herein by reference.

(25)	Filed as Exhibit 10.1 to the form 8-K filed with the SEC on July 07, 2025, and incorporated herein by reference.

*	Indicates management contract or compensatory plan or arrangement.

(b)	Financial Statement Schedules

Schedules to the financial statements are omitted because the required information is not applicable or because the required information is presented in the Company’s Consolidated Financial Statements or related notes.

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