Bank of Stockton
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Data as of · sourced from FFIEC call reports. How we update
Bank of Stockton is an FDIC-insured commercial bank headquartered in Stockton, CA, established in 1867 (FDIC certificate 1536), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $4.99B, up 7.6% from Q2 2025, the 24th largest of 113 banks headquartered in California. Its CET1 capital ratio was 18.81% 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
- 1536
- Headquarters
- Stockton, CA
- Established
- 1867
- Total assets, Q2 2026
- $4.99B
- Assets vs Q2 2025
- +7.6%
- CET1 ratio, Q2 2026
- 18.81%
- Domestic offices
- 21 FDIC institution directory, current count
- Routing number
- 121101037
- Latest call report
- Q2 2026, FFIEC 041 · Bank of Stockton call report
- Holding company
- 1867 WESTERN FINANCIAL CORPORATION
- Asset rank in state
- 24th of 113 in California
Bank of Stockton carries far more capital than most banks of its size. The Stockton, California bank had $5.0 billion in assets at June 30, 2026, up 7.6% from a year earlier. It funds 19.95% of its assets with Tier 1 capital, about double the median of 10.52% for the 895 banks with $1 billion to $10 billion in assets. It also carries problem assets equal to 0.2% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Its reported earnings move with the stock market: it holds equity securities whose value runs through net income, and they gained $99 million on paper in the quarter, out of $133 million of pre-tax income. Return on assets swings accordingly, so it is not compared with peers here. Funding is the softer spot: it holds about half of its deposits (45%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 30.9%).
As of June 30, 2026, Bank of Stockton reported a CET1 capital ratio of 18.81%, a return on assets of 7.63%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.20%. The figures come from its call report filed with the FFIEC.
Bank of Stockton ranks as the 24th largest of the 113 banks based in California, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.3% to $4.99B, loans rose 1.0% and deposits rose 1.1%. Non-owner-occupied commercial real estate loans made up 25.7% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 19.8%. Its 21 offices in the FDIC Summary of Deposits are in 17 cities in CA; its Stockton 3 offices book 31% of its branch deposits. On its Q2 2026 call report, Bank of Stockton meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 301 E Miner Ave, 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- August 12, 1867
- Domestic offices
- 21 FDIC institution directory, current count
- Employees (FTE)
- 415
- Domestic deposits
- $3.80B
- Allowance for credit losses
- $79.2M
- Net charge-offs (YTD)
- $611K
- Average total assets
- $4.87B
- Average total loans
- $2.48B
- Average interest-bearing deposits
- $2.69B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1536
- Fed RSSD
- 479268
- SEC CIK
- 840663 → filed by 1867 WESTERN FINANCIAL CORPORATION
- Website
- www.bankofstockton.com →
- Parent Holding Company
- 1867 WESTERN FINANCIAL CORPORATION (RSSD 1399765)
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 Stockton's total assets ran between $4.32B (Q2 2024) and $4.99B (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$4.99B total assets against $4.64B; $4.02B total liabilities against $3.82B.
$2.40B net loans and leases against $2.31B; $3.80B total deposits against $3.67B.
$2.03B securities against $1.82B; $290.4M cash and balances due against $248.1M.
$56.1M total interest income against $49.2M; $12.4M total interest expense against $13.3M.
$43.8M net interest income against $35.9M.
$9.8M total noninterest income against $7.0M; $25.4M total noninterest expense against $23.3M.
$0 provision for credit losses against $0.
$93.0M net income against $8.5M.
7.63% return on assets against 0.74%; 3.75% net interest margin against 3.26%.
18.81% CET1 capital ratio against 17.92%; 19.95% tier 1 leverage ratio against 18.02%.
Inside the full Bank of Stockton terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Stockton rankings
Its closest position to the top of a national ranking is 283 of 4,196, for total assets; its furthest is 3,156 of 3,640, for Texas Ratio.
Metric pages for Bank of Stockton: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.44% (Q4 2024) to 7.63% (Q2 2026) and its net interest margin ran from 3.06% (Q4 2024) to 3.75% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.81% | 7.63% | 0.08% | 0.20% | 3.75% |
| Q1 2026 | 18.02% | 4.57% | 0.09% | 0.22% | 3.53% |
| Q4 2025 | 18.10% | 0.07% | 0.08% | 0.21% | 3.49% |
| Q3 2025 | 18.32% | 4.21% | 0.08% | 0.20% | 3.35% |
| Q2 2025 | 17.92% | 0.74% | 0.20% | 0.55% | 3.26% |
| Q1 2025 | 17.93% | 4.37% | 0.23% | 0.63% | 3.09% |
| Q4 2024 | 17.37% | -0.44% | 0.16% | 0.48% | 3.06% |
| Q3 2024 | 17.17% | 5.21% | 0.14% | 0.40% | 3.11% |
Swipe the table sideways to see every column.
Branch Network
View all 21 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 Stockton (main office) | Stockton , CA | 95202 | $723.5M |
| Lodi Branch | Lodi , CA | 95240 | $345.3M |
| Manteca Branch | Manteca , CA | 95336 | $307.6M |
| Modesto Branch | Modesto , CA | 95354 | $300.4M |
| Ripon Branch | Ripon , CA | 95366 | $293.7M |
| Carson Oaks Branch | Stockton , CA | 95207 | $269.3M |
| Tracy Branch | Tracy , CA | 95376 | $184.6M |
| Quail Lakes Delta Branch | Stockton , CA | 95207 | $182.5M |
| Golden State Branch | Turlock , CA | 95380 | $179.0M |
| Angels Camp Branch | Angels Camp , CA | 95222 | $135.9M |
| Washington and Church | Sonora , CA | 95370 | $127.8M |
| Pine Grove Branch | Pine Grove , CA | 95665 | $115.3M |
| Rio Vista Branch | Rio Vista , CA | 94571 | $111.2M |
| Oakdale Branch | Oakdale , CA | 95361 | $111.0M |
| Elk Grove Commerce Bank, A Division of Bank of Stockton | Elk Grove , CA | 95758 | $102.8M |
| Dale Road Branch | Modesto , CA | 95356 | $72.8M |
| Fairfield Branch | Fairfield , CA | 94534 | $60.4M |
| Napa Branch | Napa , CA | 94559 | $54.1M |
| Lone Tree Way Branch | Brentwood , CA | 94513 | $48.0M |
| Kettleman Lane Branch | Lodi , CA | 95240 | $45.1M |
| Dixon Branch | Dixon , CA | 95620 | $26.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 18, 2003 | M&A | Acquired Modesto Commerce Bank merger for the acquired bank | SEC |
| November 18, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 18, 2003 | Structure Change | Acquired Modesto Commerce Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 12, 1990 | M&A | Acquired Royal Oak Savings and Loan Association failure_government_assistance_provided for the acquired bank | SEC |
| May 12, 1990 | Structure Change | Acquired Royal Oak Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 11, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1980 | M&A | Acquired Mid-Cal National Bank merger for the acquired bank | SEC |
| October 1, 1980 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1980 | Structure Change | Acquired Mid-Cal National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in CA, rank 42 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 297 applications, 178 loans originated, $61.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $125K approved, $125K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (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 Stockton
What are Bank of Stockton's total assets?
As of the Q2 2026 filing, Bank of Stockton reported total assets of $4.99 billion in its FFIEC call report.
Where is Bank of Stockton headquartered?
It is headquartered in Stockton, CA, United States.
When was Bank of Stockton founded?
It was established in 1867, per the FDIC institution directory.
Is Bank of Stockton FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1536). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Stockton?
Bank of Stockton's primary federal regulator is the FDIC.
What is Bank of Stockton's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.81% 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 Stockton operate?
It operates 21 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 Stockton's Texas Ratio?
Its Texas Ratio is 0.20% 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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