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Home Bank Of California
San Diego, CA · FDIC Certificate #26271 · Chartered 10/3
Total assets
$255.44M
Total deposits
$192.19M
Total equity
$31.31M
Net loans
$232.97M
Branches (offices)
1
Net income (YTD)
$2.95M
Rank: #2,682 of 4,213 U.S. banks by assets · #98 of 115 in California. Assets changed 1.8% and deposits -6.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.34% |
| Return on equity | 19.20% |
| Net interest margin (YTD) | 4.54% |
| Equity to assets | 12.26% |
| Tier 1 leverage ratio | 12.27% |
| Uninsured deposits (share of deposits) | 16.6% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 121.2% |
| Real estate loans (share of loans) | 96.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $225.39M | 96.7% | |
| Commercial & industrial | $11.16M | 4.8% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $14.93M | 6.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $226.12M | $158.92M | $2.57M | $26.53M |
| Jun 2023 | $241.06M | $180.65M | $1.95M | $28.01M |
| Jun 2024 | $243.24M | $189.23M | $1.40M | $28.73M |
| Jun 2025 | $250.93M | $205.35M | $2.39M | $31.00M |
| Jun 2026 | $255.44M | $192.19M | $2.95M | $31.31M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $192.19M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $192.19M.
Similar-sized banks
Idaho Trust Bank ($255.62M) · The Gunnison Bank And Trust Company ($255.40M)
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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