Hatch Bank
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Data as of · sourced from FFIEC call reports. How we update
Hatch Bank is an FDIC-insured commercial bank headquartered in San Marcos, CA, established in 1982 (FDIC certificate 25803), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $177.5M, up 20.2% from Q2 2025, the 102nd largest of 113 banks headquartered in California. Its CET1 capital ratio was 31.63% 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
- 25803
- Headquarters
- San Marcos, CA
- Established
- 1982
- Total assets, Q2 2026
- $177.5M
- Assets vs Q2 2025
- +20.2%
- CET1 ratio, Q2 2026
- 31.63%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 322286188
- Holding company
- FIRSTRUST SAVINGS BANK
- Asset rank in state
- 102nd of 113 in California
Hatch Bank spends more to run itself than most banks of its size. Based in San Marcos, California, it had $177 million in assets at June 30, 2026, up 20.2% from a year earlier. It loses about $4.12 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). On the other hand, it keeps 5.06 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
It lost $1.9 million in the quarter. Over the same year, loans grew 12.8% and deposits grew 1.4%. Funding is the softer spot: it pays an average of 2.74% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
As of June 30, 2026, Hatch Bank reported a CET1 capital ratio of 31.63%, a return on assets of -4.12%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.29%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, Hatch Bank is the 102nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 5.0% to $177.5M, loans fell 8.5% and deposits fell 27.6%. Other consumer loans made up 91.7% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 7.7%. The FDIC Summary of Deposits lists a single office for it, in San Marcos, CA. Judged on its Q2 2026 call report, Hatch Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1001 W San Marcos Blvd, San Marcos, CA 92078
- County
- San Diego
- Metro Area
- San Diego-Chula Vista-Carlsbad, 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
- January 2, 1982
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $41.3M
- Allowance for credit losses
- $123K
- Net charge-offs (YTD)
- $372K
- Average total assets
- $186.8M
- Average total loans
- $130.4M
- Average interest-bearing deposits
- $52.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- December 17, 1984
- FDIC Cert
- 25803
- Fed RSSD
- 733661
- Website
- www.hatchbank.com →
- Parent Holding Company
- FIRSTRUST SAVINGS BANK (RSSD 932978)
- Ultimate Parent
- SEMPERVERDE HOLDING CO (RSSD 1250099)
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
From Q3 2023 to Q2 2026, Hatch Bank's total assets ranged from $117.7M (Q4 2024) to $186.8M (Q1 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
$177.5M total assets against $147.7M; $140.2M total liabilities against $114.9M.
$109.9M net loans and leases against $95.1M; $41.3M total deposits against $40.7M.
$29.0M securities against $31.5M; $36.5M cash and balances due against $18.9M.
$3.3M total interest income against $2.8M; $938K total interest expense against $752K.
$2.3M net interest income against $2.0M.
-$3.5M total noninterest income against $1.4M; $2.9M total noninterest expense against $2.0M.
-$2.2M provision for credit losses against $144K.
-$1.9M net income against $1.3M.
-4.12% return on assets against 3.45%; 5.06% net interest margin against 5.50%.
31.63% CET1 capital ratio against 32.87%; 21.49% tier 1 leverage ratio against 24.54%.
Inside the full Hatch 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.
Hatch Bank rankings
Its closest position to the top of a national ranking is 67 of 2,134, for CET1 ratio; its furthest is 3,605 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -4.12% (Q2 2026) to 5.20% (Q3 2025) and its net interest margin ran from 3.54% (Q4 2024) to 5.80% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 31.63% | -4.12% | 0.10% | 0.29% | 5.06% |
| Q1 2026 | 30.76% | 4.75% | 0.25% | 0.71% | 5.29% |
| Q4 2025 | 29.22% | 3.40% | 0.57% | 1.72% | 3.85% |
| Q3 2025 | 33.28% | 5.20% | 0.30% | 0.79% | 5.80% |
| Q2 2025 | 32.87% | 3.45% | 0.15% | 0.43% | 5.50% |
| Q1 2025 | 35.46% | 2.17% | 0.36% | 0.91% | 4.60% |
| Q4 2024 | 40.41% | 0.47% | 0.43% | 0.96% | 3.54% |
| Q3 2024 | 38.59% | 1.61% | 0.10% | 0.22% | 3.86% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Hatch Bank (main office) | San Marcos , CA | 92078 | $41.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 161 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Hatch Bank
What are Hatch Bank's total assets?
As of the Q2 2026 filing, Hatch Bank reported total assets of $177.5 million in its FFIEC call report.
Where is Hatch Bank headquartered?
It is headquartered in San Marcos, CA, United States.
When was Hatch Bank founded?
It was established in 1982, per the FDIC institution directory.
Is Hatch Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #25803). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Hatch Bank?
Hatch Bank's primary federal regulator is the FDIC.
What is Hatch Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 31.63% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Hatch Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Hatch Bank's Texas Ratio?
Its Texas Ratio is 0.29% 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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