HATCH BANK

SAN MARCOS, CA | Small | Est. Jan. 2, 1982, midnight | FDIC #25803 | RSSD #733661 | FDIC
Latest Report: 2025-12-31

HATCH BANK is asn small FDIC-insured commercial bank headquartered in SAN MARCOS, CA, established in Jan. 2, 1982, midnight. As of 2025-12-31, the bank reported total assets of $182M and total deposits of $56M. Profitability stands at 2.98% ROA and 14.23% ROE, with a net interest margin of 3.59%. The bank's CET1 capital ratio is 29.22%, 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 #25803.

Assets

$182M

Deposits

$56M

Loans

$119M

Equity

$37M

Profitability

Return on Assets (ROA) 2.98%
Return on Equity (ROE) 14.23%
Net Interest Margin (NIM) 3.59%
Yield on Assets 5.87%
Cost of Funds 2.95%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.68%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 2.11%

Capital & Liquidity

CET1 Ratio 29.22%
Tier 1 Capital 29.22%
Total Capital Ratio 30.48%
Leverage Ratio 26.36%
Loan-to-Deposit 212.44%

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