BAC COMMUNITY BANK

STOCKTON, CA | Medium | Est. May 21, 1965, midnight | FDIC #19434 | RSSD #5461 | FDIC
Latest Report: 2025-12-31

BAC COMMUNITY BANK is amn medium FDIC-insured commercial bank headquartered in STOCKTON, CA, established in May 21, 1965, midnight. As of 2025-12-31, the bank reported total assets of $786M and total deposits of $671M. Profitability stands at 0.60% ROA and 6.47% ROE, with a net interest margin of 3.32%. The bank's CET1 capital ratio is 15.85%, 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 #19434.

Assets

$786M

Deposits

$671M

Loans

$482M

Equity

$74M

Profitability

Return on Assets (ROA) 0.60%
Return on Equity (ROE) 6.47%
Net Interest Margin (NIM) 3.32%
Yield on Assets 4.34%
Cost of Funds 1.05%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.43%

Capital & Liquidity

CET1 Ratio 15.85%
Tier 1 Capital 15.85%
Total Capital Ratio 17.10%
Leverage Ratio 11.23%
Loan-to-Deposit 71.89%

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