Bank of San Francisco: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 118.69 percentage points in Q2 2026, from 814.83% to 933.52%. It was the largest change from Q1 2026 among the key lines here. Within California, Bank of San Francisco is 76th of 114 on return on assets, 0.83% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Bank of San Francisco sits 0.42 points lower, at 0.83% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.36% |
| Tier 1 risk-based capital ratio | 14.36% |
| Total risk-based capital ratio | 15.61% |
| Tier 1 leverage ratio | 10.92% |
| Equity capital to assets | 10.06% |
| Tangible equity to tangible assets | 10.05% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.13% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.93% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 933.52% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.83% |
| Return on equity | 7.71% |
| Net interest margin | 4.25% |
| Efficiency ratio | 64.91% |
| Yield on earning assets | 5.54% |
| Cost of funds | 1.41% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.94% |
| Core deposits to total deposits | 86.10% |
| Brokered deposits to total deposits | 4.97% |
| Deposits to assets | 85.77% |
| Securities to assets | 3.48% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.60% | 16.60% | 17.86% | 10.78% | 1.20% |
| Q4 2023 | 17.11% | 17.11% | 18.36% | 11.21% | 1.06% |
| Q1 2024 | 17.61% | 17.61% | 18.86% | 11.71% | 0.98% |
| Q2 2024 | 17.44% | 17.44% | 18.70% | 11.36% | 1.00% |
| Q3 2024 | 17.90% | 17.90% | 19.16% | 11.46% | 1.17% |
| Q4 2024 | 18.69% | 18.69% | 19.95% | 12.05% | 1.04% |
| Q1 2025 | 18.16% | 18.16% | 19.41% | 12.30% | 0.70% |
| Q2 2025 | 17.68% | 17.68% | 18.93% | 11.83% | 0.98% |
| Q3 2025 | 17.11% | 17.11% | 18.37% | 11.54% | 1.05% |
| Q4 2025 | 16.14% | 16.14% | 17.39% | 11.16% | 1.19% |
| Q1 2026 | 15.59% | 15.59% | 16.84% | 11.27% | 1.07% |
| Q2 2026 | 14.36% | 14.36% | 15.61% | 10.92% | 0.83% |
Bank of San Francisco vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of San Francisco, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bank of San Francisco profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58069) · FFIEC NIC profile (RSSD 3357385)