Sierra Bancorp operates as a bank holding company for Bank of the Sierra that provides a range of retail and commercial banking services to individuals and businesses in California. The company accepts various deposit products, such as checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, sweep accounts, demand deposit accounts, and NOW accounts. It also provides real estate loans secured by commercial, professional office, and agricultural properties; construction loans for residential and commercial development; permanent mortgage loans, land acquisition and development loans, and multifamily credit facilities; secondary market services for residential mortgage loans; agricultural production loans; commercial and industrial loans and leases, including SBA loans and direct finance leases; mortgage warehouse loans; and consumer loans. In addition, the company offers automated teller machines; electronic point-of-sale payment alternatives through the pulse electronic funds transaction network; online and automated telephone banking services; and remote deposit capture and automated payroll services for business customers. As of July 20, 2015, it operated 28 full-service branches, a loan production office, an online branch, a real estate industries center, an agricultural credit center, and an SBA center. Sierra Bancorp was founded in 1977 and is headquartered in Porterville, California.