Sierra Vista Bank (SVBA) fits the profile of a bank seller. It is fighting the temptation — at least for now.

The Folsom, Calif., bank has assets of just $78 million and had reached a crossroads, but its leaders decided to seek more capital instead of packing it in, Chief Executive Gregory Patton says. "Our board considered everything. Should we sell? Should we look locally for a merger-of-equals partner?"

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