HCN BANK

RIVERSIDE, CA | Medium | Est. June 3, 1974, midnight | FDIC #21606 | RSSD #183668 | FDIC
Latest Report: 2025-12-31

HCN BANK is amn medium FDIC-insured commercial bank headquartered in RIVERSIDE, CA, established in June 3, 1974, midnight. As of 2025-12-31, the bank reported total assets of $975M and total deposits of $854M. Profitability stands at 2.30% ROA and 20.03% ROE, with a net interest margin of 4.30%. The bank's CET1 capital ratio is 14.08%, 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 #21606.

Assets

$975M

Deposits

$854M

Loans

$753M

Equity

$113M

Profitability

Return on Assets (ROA) 2.30%
Return on Equity (ROE) 20.03%
Net Interest Margin (NIM) 4.30%
Yield on Assets 5.54%
Cost of Funds 1.30%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.33%

Capital & Liquidity

CET1 Ratio 14.08%
Tier 1 Capital 14.08%
Total Capital Ratio 15.31%
Leverage Ratio 11.53%
Loan-to-Deposit 88.22%

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