Bank of San Francisco
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Data as of · sourced from FFIEC call reports. How we update
Bank of San Francisco is an FDIC-insured commercial bank headquartered in San Francisco, CA, established in 2005 (FDIC certificate 58069), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $863.6M, up 28.5% from Q2 2025, the 65th largest of 113 banks headquartered in California. Its CET1 capital ratio was 14.36% 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
- 58069
- Headquarters
- San Francisco, CA
- Established
- 2005
- Total assets, Q2 2026
- $863.6M
- Assets vs Q2 2025
- +28.5%
- CET1 ratio, Q2 2026
- 14.36%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 121044055
- Latest call report
- Q2 2026, FFIEC 041 · Bank of San Francisco call report
- Asset rank in state
- 65th of 113 in California
Bank of San Francisco is growing quickly. Based in San Francisco, California, it had $864 million in assets at June 30, 2026, up 28.5% from a year earlier. It grew its loan book 26.3% over the year, 4.8 times the median of 5.5% for the 2,627 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans worth 2.4 times its capital, about double the median of 1.2 times for banks its size.
Profitability lags: it returns 7.7% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.6%).
As of June 30, 2026, Bank of San Francisco reported a CET1 capital ratio of 14.36%, a return on assets of 0.83%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 0.66%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, Bank of San Francisco is the 65th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 12.5% to $863.6M, loans rose 9.2% and deposits rose 10.6%. 1-4 family residential loans made up 48.8% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 16.3%. Its 2 offices in the FDIC Summary of Deposits are in San Francisco, CA. Judged on its Q2 2026 call report, Bank of San Francisco meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 345 California St, San Francisco, CA 94104
- County
- San Francisco
- Metro Area
- San Francisco-Oakland-Fremont, 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 041
- Established
- August 1, 2005
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 58
- Domestic deposits
- $740.7M
- Allowance for credit losses
- $8.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $797.2M
- Average total loans
- $661.7M
- Average interest-bearing deposits
- $436.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 1, 2005
- FDIC Cert
- 58069
- Fed RSSD
- 3357385
- Website
- www.bankbsf.com →
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, Bank of San Francisco's total assets ran between $612.0M (Q4 2023) and $863.6M (Q2 2026), 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
$863.6M total assets against $671.9M; $776.7M total liabilities against $593.4M.
$687.5M net loans and leases against $543.7M; $740.7M total deposits against $582.2M.
$30.0M securities against $21.9M; $124.0M cash and balances due against $87.3M.
$10.8M total interest income against $8.8M; $2.5M total interest expense against $1.9M.
$8.3M net interest income against $6.9M.
$126K total noninterest income against $103K; $5.5M total noninterest expense against $4.5M.
$680K provision for credit losses against $230K.
$1.7M net income against $1.6M.
0.83% return on assets against 0.98%; 4.25% net interest margin against 4.28%.
14.36% CET1 capital ratio against 17.68%; 10.92% tier 1 leverage ratio against 11.83%.
Inside the full Bank of San Francisco 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.
Bank of San Francisco rankings
Its closest position to the top of a national ranking is 1,171 of 4,196, for total assets; its furthest is 2,879 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.70% (Q1 2025) to 1.19% (Q4 2025) and its net interest margin ran from 4.10% (Q3 2024) to 4.47% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.36% | 0.83% | 0.09% | 0.66% | 4.25% |
| Q1 2026 | 15.59% | 1.07% | 0.13% | 0.90% | 4.43% |
| Q4 2025 | 16.14% | 1.19% | 0.11% | 0.74% | 4.47% |
| Q3 2025 | 17.11% | 1.05% | 0.18% | 1.17% | 4.36% |
| Q2 2025 | 17.68% | 0.98% | 0.20% | 1.30% | 4.28% |
| Q1 2025 | 18.16% | 0.70% | 0.22% | 1.39% | 4.15% |
| Q4 2024 | 18.69% | 1.04% | 0.26% | 0.26% | 4.20% |
| Q3 2024 | 17.90% | 1.17% | 0.52% | 0.29% | 4.10% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Bank of San Francisco (main office) | San Francisco , CA | 94104 | $713.3M |
| Bank of San Francisco - Lv Branch | San Francisco , CA | 94118 | $27.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 93 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 86 applications, 59 loans originated, $51.2M originated, across 1 states
- Period: Calendar year 2019. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $5.0M approved, $5.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Bank of San Francisco
What are Bank of San Francisco's total assets?
As of the Q2 2026 filing, Bank of San Francisco reported total assets of $863.6 million in its FFIEC call report.
Where is Bank of San Francisco headquartered?
It is headquartered in San Francisco, CA, United States.
When was Bank of San Francisco founded?
It was established in 2005, per the FDIC institution directory.
Is Bank of San Francisco FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58069). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of San Francisco?
Bank of San Francisco's primary federal regulator is the FDIC.
What is Bank of San Francisco's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.36% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of San Francisco operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of San Francisco's Texas Ratio?
Its Texas Ratio is 0.66% 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.
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