Golden State Bank
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Data as of · sourced from FFIEC call reports. How we update
Golden State Bank is an FDIC-insured commercial bank headquartered in Glendale, CA, established in 2003 (FDIC certificate 57585), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.00B, up 8.9% from Q2 2025, the 59th largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.04% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57585
- Headquarters
- Glendale, CA
- Established
- 2003
- Total assets, Q2 2026
- $1.00B
- Assets vs Q2 2025
- +8.9%
- Tier 1 leverage ratio, Q2 2026
- 11.04%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 122243716
- Holding company
- GOLDEN STATE BANCORP
- Asset rank in state
- 59th of 113 in California
Golden State Bank pays more for its money than most banks of its size. Based in Glendale, California, it had $1.0 billion in assets at June 30, 2026, up 8.9% from a year earlier. It pays an average of 3.03% on its deposits and borrowings, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). It also holds commercial real estate loans worth 3.8 times its capital, higher than about 9 in 10 banks its size (median 2.2 times).
Its $114 million multifamily book is improving, with 4.91% past due or on nonaccrual, down from 7.94% a year earlier. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.82% of loans from 1.49%.
As of June 30, 2026, Golden State Bank reported a return on assets of 1.34%, a nonperforming-loan ratio of 0.82% and a Texas ratio of 5.89%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Golden State Bank is the 59th largest of the 113 banks headquartered in California. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.7% to $1.00B, loans rose 4.2% and deposits rose 3.4%. Non-owner-occupied commercial real estate loans made up 35.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 24.3%. The FDIC Summary of Deposits lists 3 offices for it, in Glendale, CA and Upland, CA; its Glendale 2 offices book 80% of its branch deposits. By the capital ratios in its Q2 2026 call report, Golden State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 500 N Brand Blvd, Glendale, CA 91203
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, 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
- December 1, 2003
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 81
- Domestic deposits
- $856.6M
- Allowance for credit losses
- $11.3M
- Net charge-offs (YTD)
- -$14K
- Average total assets
- $987.6M
- Average total loans
- $853.9M
- Average interest-bearing deposits
- $748.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 1, 2003
- FDIC Cert
- 57585
- Fed RSSD
- 3224375
- SEC CIK
- 1651166 → filed by GOLDEN STATE BANCORP
- Website
- www.goldenstatebank.com →
- Parent Holding Company
- GOLDEN STATE BANCORP (RSSD 4725589)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Golden State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Golden State Bank's total assets moved between a low of $711.7M (Q3 2023) and a high of $1.00B (Q2 2026) from Q3 2023 to 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
$1.00B total assets against $918.1M; $891.1M total liabilities against $831.4M.
$846.8M net loans and leases against $774.8M; $856.6M total deposits against $788.9M.
$500K securities against $999K; $131.8M cash and balances due against $125.4M.
$17.1M total interest income against $15.6M; $6.8M total interest expense against $6.8M.
$10.3M net interest income against $8.8M.
$305K total noninterest income against $83K; $5.9M total noninterest expense against $4.8M.
-$17K provision for credit losses against $214K.
$3.3M net income against $2.7M.
1.34% return on assets against 1.20%; 4.20% net interest margin against 3.98%.
11.04% tier 1 leverage ratio against 9.72%.
Inside the full Golden State 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Golden State Bank rankings
Its closest position to the top of a national ranking is 1,036 of 4,196, for total assets; its furthest is 1,653 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.95% (Q1 2025) to 1.34% (Q2 2026) and its net interest margin ran from 3.81% (Q3 2024) to 4.20% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.04% | 1.34% | 0.82% | 5.89% | 4.20% |
| Q1 2026 | 10.62% | 1.14% | 0.86% | 6.09% | 4.15% |
| Q4 2025 | 10.86% | 1.09% | 0.87% | 6.28% | 4.09% |
| Q3 2025 | 9.60% | 1.20% | 1.48% | 11.67% | 3.90% |
| Q2 2025 | 9.72% | 1.20% | 1.49% | 12.06% | 3.98% |
| Q1 2025 | 9.93% | 0.95% | 0.22% | 1.77% | 3.93% |
| Q4 2024 | 9.82% | 1.12% | 0.06% | 0.51% | 3.86% |
| Q3 2024 | 9.75% | 1.18% | 0.07% | 0.54% | 3.81% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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 |
|---|---|---|---|
| Glendale Head Office Branch | Glendale , CA | 91203 | $689.0M |
| Upland Branch Office | Upland , CA | 91786 | $167.6M |
| Golden State Bank (main office) | Glendale , CA | 91203 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action February 19, 1993. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CA, rank 84 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $400K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 Golden State Bank
What are Golden State Bank's total assets?
As of the Q2 2026 filing, Golden State Bank reported total assets of $1.00 billion in its FFIEC call report.
Where is Golden State Bank headquartered?
It is headquartered in Glendale, CA, United States.
When was Golden State Bank founded?
It was established in 2003, per the FDIC institution directory.
Is Golden State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57585). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Golden State Bank?
Golden State Bank's primary federal regulator is the FDIC.
How many branches does Golden State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Golden State Bank's Texas Ratio?
Its Texas Ratio is 5.89% 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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