Advertisement
Hcn Bank
Riverside, CA · FDIC Certificate #21606 · Chartered 06/0
Total assets
$998.43M
Total deposits
$846.29M
Total equity
$114.26M
Net loans
$776.39M
Branches (offices)
7
Net income (YTD)
$10.90M
Rank: #1,047 of 4,213 U.S. banks by assets · #61 of 115 in California. Assets changed 3.9% and deposits 0.4% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.22% |
| Return on equity | 19.16% |
| Net interest margin (YTD) | 4.09% |
| Equity to assets | 11.44% |
| Tier 1 leverage ratio | 11.70% |
| Uninsured deposits (share of deposits) | 52.5% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 91.7% |
| Real estate loans (share of loans) | 98.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $767.81M | 98.9% | |
| Commercial & industrial | $14.30M | 1.8% | |
| Consumer / individual | $205.00K | 0.0% | |
| Construction & development | $1.45M | 0.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.00B | $912.88M | $10.31M | $86.19M |
| Jun 2023 | $905.33M | $806.96M | $12.57M | $91.00M |
| Jun 2024 | $1.05B | $935.89M | $11.21M | $100.25M |
| Jun 2025 | $961.13M | $843.13M | $11.62M | $109.50M |
| Jun 2026 | $998.43M | $846.29M | $10.90M | $114.26M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $846.29M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $846.29M.
Similar-sized banks
Farmers & Merchants Bank ($998.75M) · The Bank Of Old Monroe ($994.59M)
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.
Advertisement