Bank of Stockton: 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 152.07 percentage points in Q2 2026, from 3766.43% to 3918.50%. It was the largest change from Q1 2026 among the key lines here. Among 114 California banks, Bank of Stockton sits 3rd from the top on return on assets, 7.63% as of Q2 2026. Against a median of 1.28% for banks in the $1B-10B asset tier, Bank of Stockton reported 7.63% on return on assets in Q2 2026, 6.36 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.81% |
| Tier 1 risk-based capital ratio | 18.81% |
| Total risk-based capital ratio | 20.07% |
| Tier 1 leverage ratio | 19.95% |
| Equity capital to assets | 19.53% |
| Tangible equity to tangible assets | 18.94% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.20% |
| Allowance for credit losses to loans | 3.19% |
| Reserve coverage of non-performing loans | 3918.50% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 7.63% |
| Return on equity | 39.71% |
| Net interest margin | 3.75% |
| Efficiency ratio | 47.32% |
| Yield on earning assets | 4.81% |
| Cost of funds | 1.32% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.33% |
| Core deposits to total deposits | 93.86% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 76.02% |
| Securities to assets | 40.66% |
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 | 16.21% | 16.21% | 17.47% | 14.73% | -0.63% |
| Q4 2023 | 16.59% | 16.59% | 17.84% | 15.43% | 3.55% |
| Q1 2024 | 16.99% | 16.99% | 18.25% | 16.06% | 1.82% |
| Q2 2024 | 16.83% | 16.83% | 18.09% | 16.48% | 0.59% |
| Q3 2024 | 17.17% | 17.17% | 18.43% | 17.82% | 5.21% |
| Q4 2024 | 17.37% | 17.37% | 18.63% | 17.24% | -0.44% |
| Q1 2025 | 17.93% | 17.93% | 19.19% | 18.24% | 4.37% |
| Q2 2025 | 17.92% | 17.92% | 19.17% | 18.02% | 0.74% |
| Q3 2025 | 18.32% | 18.32% | 19.57% | 18.72% | 4.21% |
| Q4 2025 | 18.10% | 18.10% | 19.35% | 18.12% | 0.07% |
| Q1 2026 | 18.02% | 18.02% | 19.27% | 18.55% | 4.57% |
| Q2 2026 | 18.81% | 18.81% | 20.07% | 19.95% | 7.63% |
Bank of Stockton vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Stockton, 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 Stockton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1536) · FFIEC NIC profile (RSSD 479268)