HOME BANK OF CALIFORNIA

SAN DIEGO, CA | Small | Est. Oct. 31, 1981, midnight | FDIC #26271 | RSSD #118660 | FDIC
Latest Report: 2025-12-31

HOME BANK OF CALIFORNIA is asn small FDIC-insured commercial bank headquartered in SAN DIEGO, CA, established in Oct. 31, 1981, midnight. As of 2025-12-31, the bank reported total assets of $247M and total deposits of $196M. Profitability stands at 2.40% ROA and 19.29% ROE, with a net interest margin of 4.64%. The bank's CET1 capital ratio is 12.60%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #26271.

Assets

$247M

Deposits

$196M

Loans

$228M

Equity

$31M

Profitability

Return on Assets (ROA) 2.40%
Return on Equity (ROE) 19.29%
Net Interest Margin (NIM) 4.64%
Yield on Assets 8.06%
Cost of Funds 3.61%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.03%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.02%

Capital & Liquidity

CET1 Ratio 12.60%
Tier 1 Capital 12.60%
Total Capital Ratio 13.23%
Leverage Ratio 12.53%
Loan-to-Deposit 116.52%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required