Bac Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Bac Community Bank is an FDIC-insured commercial bank headquartered in Stockton, CA, established in 1965 (FDIC certificate 19434), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $761.9M, down 3.4% from Q2 2025, the 70th largest of 113 banks headquartered in California. Its CET1 capital ratio was 16.60% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19434
- Headquarters
- Stockton, CA
- Established
- 1965
- Total assets, Q2 2026
- $761.9M
- Assets vs Q2 2025
- -3.4%
- CET1 ratio, Q2 2026
- 16.60%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 121125660
- Holding company
- BAC FINANCIAL INC.
- Asset rank in state
- 70th of 113 in California
Bac Community Bank, based in Stockton, California, reported $762 million in assets at June 30, 2026, down 3.4% from a year earlier. It pays an average of 0.91% on its deposits and borrowings, about half the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it holds commercial real estate loans worth 2.8 times its capital, 2.3 times the median of 1.2 times for banks its size.
Delinquency has appeared in its $173 million non-owner-occupied commercial real estate book: 0.86% of those loans are past due or on nonaccrual, against almost none a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $14 million equal 15% of Tier 1 capital, down from 23% a year earlier. Costs are the weak spot: it spends about 73 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Bac Community Bank reported a CET1 capital ratio of 16.60%, a return on assets of 0.85%, a nonperforming-loan ratio of 0.18% and a Texas ratio of 1.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bac Community Bank is the 70th largest of the 113 banks headquartered in California. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.3% to $761.9M, loans fell 3.8% and deposits fell 1.7%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 37.7% of total loans, followed by owner-occupied commercial real estate loans at 17.8%. The FDIC Summary of Deposits lists 8 offices for it, in 6 cities in CA; its Stockton 2 offices book 57% of its branch deposits. Judged on its Q2 2026 call report, Bac Community Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 517 East Weber Avenue, Stockton, CA 95202
- County
- San Joaquin
- Metro Area
- Stockton-Lodi, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 21, 1965
- Former names
- Bank of Agriculture and Commerce (1970-2015)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 92
- Domestic deposits
- $673.0M
- Allowance for credit losses
- $6.9M
- Net charge-offs (YTD)
- $56K
- Average total assets
- $771.3M
- Average total loans
- $460.5M
- Average interest-bearing deposits
- $420.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 21, 1965
- FDIC Cert
- 19434
- Fed RSSD
- 5461
- Website
- www.bankbac.com →
- Parent Holding Company
- BAC FINANCIAL INC. (RSSD 3033746)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bac Community Bank's total assets ran between $761.9M (Q2 2026) and $838.5M (Q3 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$761.9M total assets against $788.4M; $686.5M total liabilities against $718.0M.
$451.8M net loans and leases against $454.8M; $673.0M total deposits against $693.0M.
$236.2M securities against $263.4M; $42.0M cash and balances due against $38.0M.
$8.2M total interest income against $7.9M; $1.6M total interest expense against $1.9M.
$6.7M net interest income against $6.1M.
$617K total noninterest income against $633K; $5.4M total noninterest expense against $5.1M.
No provision recorded in the last 12 quarters.
$1.6M net income against $1.5M.
0.85% return on assets against 0.75%; 3.69% net interest margin against 3.16%.
16.60% CET1 capital ratio against 15.98%; 11.44% tier 1 leverage ratio against 10.57%.
Inside the full Bac Community Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Bac Community Bank rankings
Its closest position to the top of a national ranking is 631 of 2,134, for CET1 ratio; its furthest is 2,960 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.19% (Q3 2024) to 0.85% (Q2 2026) and its net interest margin ran from 2.92% (Q4 2024) to 3.69% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.60% | 0.85% | 0.18% | 1.00% | 3.69% |
| Q1 2026 | 16.17% | 0.70% | 0.40% | 2.32% | 3.41% |
| Q4 2025 | 15.85% | 0.60% | 0.01% | 0.07% | 3.26% |
| Q3 2025 | 16.07% | 0.77% | 0.00% | 0.00% | 3.29% |
| Q2 2025 | 15.98% | 0.75% | 0.00% | 0.00% | 3.16% |
| Q1 2025 | 16.00% | 0.63% | 0.00% | 0.00% | 3.02% |
| Q4 2024 | 15.70% | 0.53% | 0.00% | 0.00% | 2.92% |
| Q3 2024 | 15.78% | 0.19% | 0.00% | 0.00% | 2.94% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bac Community Bank (main office) | Stockton , CA | 95202 | $211.6M |
| North Stockton Branch | Stockton , CA | 95207 | $170.8M |
| Brentwood Branch | Brentwood , CA | 94513 | $92.1M |
| Country Club Branch | Brentwood , CA | 94513 | $55.7M |
| Lodi Branch | Lodi , CA | 95242 | $51.6M |
| Modesto Branch | Modesto , CA | 95354 | $40.1M |
| Antioch Branch | Antioch , CA | 94531 | $28.4M |
| Concord Branch | Concord , CA | 94520 | $22.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 98 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $562K approved, $562K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bac Community Bank
What are Bac Community Bank's total assets?
As of the Q2 2026 filing, Bac Community Bank reported total assets of $761.9 million in its FFIEC call report.
Where is Bac Community Bank headquartered?
It is headquartered in Stockton, CA, United States.
When was Bac Community Bank founded?
It was established in 1965, per the FDIC institution directory.
Is Bac Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19434). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bac Community Bank?
Bac Community Bank's primary federal regulator is the FDIC.
What is Bac Community Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.60% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bac Community Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bac Community Bank's Texas Ratio?
Its Texas Ratio is 1.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Bac Community Bank previously called?
The charter now named Bac Community Bank has also operated as Bank of Agriculture and Commerce (1970-2015), per FDIC structure-change records.
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