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Bac Community Bank
Stockton, CA · FDIC Certificate #19434 · Chartered 05/2
Total assets
$761.91M
Total deposits
$672.95M
Total equity
$75.41M
Net loans
$451.77M
Branches (offices)
8
Net income (YTD)
$3.00M
Rank: #1,305 of 4,213 U.S. banks by assets · #71 of 115 in California. Assets changed -3.4% and deposits -2.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.77% |
| Return on equity | 8.01% |
| Net interest margin (YTD) | 3.55% |
| Equity to assets | 9.90% |
| Tier 1 leverage ratio | 11.44% |
| Uninsured deposits (share of deposits) | 28.0% |
| Noncurrent loans (share of loans) | 0.18% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 67.1% |
| Real estate loans (share of loans) | 92.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $417.32M | 92.4% | |
| Commercial & industrial | $29.34M | 6.5% | |
| Consumer / individual | $6.19M | 1.4% | |
| Construction & development | $9.58M | 2.1% | |
| Agricultural | $5.11M | 1.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $819.62M | $766.59M | $3.27M | $45.62M |
| Jun 2023 | $833.03M | $729.42M | $1.51M | $54.62M |
| Jun 2024 | $796.15M | $670.90M | $1.86M | $61.97M |
| Jun 2025 | $788.43M | $692.98M | $2.81M | $70.40M |
| Jun 2026 | $761.91M | $672.95M | $3.00M | $75.41M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $672.95M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $672.95M.
Similar-sized banks
Commerce Bank ($762.49M) · First State Bank ($761.73M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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