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Savings Bank Of Mendocino County
Ukiah, CA · FDIC Certificate #8011 · Chartered 11/2
Total assets
$1.28B
Total deposits
$1.04B
Total equity
$185.15M
Net loans
$730.58M
Branches (offices)
9
Net income (YTD)
$7.42M
Rank: #853 of 4,213 U.S. banks by assets · #53 of 115 in California. Assets changed -3.3% and deposits 1.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.14% |
| Return on equity | 8.15% |
| Net interest margin (YTD) | 3.81% |
| Equity to assets | 14.42% |
| Tier 1 leverage ratio | 17.93% |
| Uninsured deposits (share of deposits) | 31.0% |
| Noncurrent loans (share of loans) | 0.36% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 70.4% |
| Real estate loans (share of loans) | 88.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $648.20M | 88.7% | |
| Commercial & industrial | $58.45M | 8.0% | |
| Consumer / individual | $32.23M | 4.4% | |
| Construction & development | $1.48M | 0.2% | |
| Agricultural | $68.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.39B | $1.21B | $7.14M | $143.21M |
| Jun 2023 | $1.33B | $1.09B | $6.99M | $144.32M |
| Jun 2024 | $1.32B | $992.85M | $5.78M | $152.92M |
| Jun 2025 | $1.33B | $1.02B | $5.92M | $162.12M |
| Jun 2026 | $1.28B | $1.04B | $7.42M | $185.15M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $1.04B | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.04B.
Similar-sized banks
First Harrison Bank ($1.29B) · Forward Bank ($1.28B)
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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