Operates as a holding company with the Bank of the Sierra as subsidiary. The Company's deposit products include checking, interest-bearing transaction, savings, money market demand, time deposit, retirement, and sweep accounts. It also provides real estate, commercial, agricultural, and consumer loans, as well as land acquisition and development loans, construction loans for residential and commercial development, and multifamily credit facilities; secondary market services; and retail lending services, which include home equity lines and consumer loans.