HCN Bank
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Data as of · sourced from FFIEC call reports. How we update
HCN Bank is an FDIC-insured commercial bank headquartered in Riverside, CA, established in 1974 (FDIC certificate 21606), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $998.4M, up 3.9% from Q2 2025, the 60th largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.70% 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
- 21606
- Headquarters
- Riverside, CA
- Established
- 1974
- Total assets, Q2 2026
- $998.4M
- Assets vs Q2 2025
- +3.9%
- Tier 1 leverage ratio, Q2 2026
- 11.70%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 122234194
- Holding company
- HEMET BANCORP
- Asset rank in state
- 60th of 113 in California
HCN Bank leans heavily on commercial real estate. The Riverside, California bank had $998 million in assets at June 30, 2026, up 3.9% from a year earlier. It holds commercial real estate loans worth 5.6 times its capital, 4.7 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Loans are outrunning deposits: over the year loans rose 8.9% and deposits rose 0.4%.
As of June 30, 2026, HCN Bank reported a return on assets of 2.18%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, HCN Bank is the 60th largest of the 113 banks headquartered in California. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.5% to $998.4M, loans rose 3.0% and deposits fell 0.8%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 86.3% of total loans, followed by owner-occupied commercial real estate loans at 6.6%. Its 7 offices in the FDIC Summary of Deposits are in 6 cities in CA; its Hemet 2 offices book 51% of its branch deposits. On its Q2 2026 call report, HCN Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 3715 Sunnyside Dr, Riverside, CA 92506
- County
- Riverside
- Metro Area
- Riverside-San Bernardino-Ontario, 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
- June 3, 1974
- Former names
- The Bank of Hemet (1986-2022); Bank of Hemet (1978-1986)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 89
- Domestic deposits
- $846.3M
- Allowance for credit losses
- $10.4M
- Net charge-offs (YTD)
- $8K
- Average total assets
- $999.9M
- Average total loans
- $768.3M
- Average interest-bearing deposits
- $594.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 3, 1974
- FDIC Cert
- 21606
- Fed RSSD
- 183668
- SEC CIK
- 804135 → filed by HEMET BANCORP
- Website
- http://www.hcnbank.com →
- Parent Holding Company
- HEMET BANCORP (RSSD 3058057)
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, HCN Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, HCN Bank's total assets ran between $903.7M (Q4 2023) and $1.05B (Q2 2024), 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
$998.4M total assets against $961.1M; $884.2M total liabilities against $851.6M.
$776.4M net loans and leases against $712.5M; $846.3M total deposits against $843.1M.
$108.2M securities against $122.4M; $83.1M cash and balances due against $95.7M.
$12.6M total interest income against $12.1M; $3.0M total interest expense against $2.8M.
$9.6M net interest income against $9.3M.
$1.1M total noninterest income against $1.1M; $4.8M total noninterest expense against $4.4M.
$95K provision for credit losses against $122K.
$5.4M net income against $5.5M.
2.18% return on assets against 2.22%; 3.95% net interest margin against 3.82%.
11.70% tier 1 leverage ratio against 11.45%.
Inside the full HCN 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.
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).
HCN Bank rankings
Its closest position to the top of a national ranking is 329 of 3,611, for ROA; its furthest is 3,371 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.53% (Q4 2024) to 2.69% (Q3 2024) and its net interest margin ran from 3.75% (Q4 2024) to 4.02% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.70% | 2.18% | 0.00% | 0.00% | 3.95% |
| Q1 2026 | 11.63% | 2.19% | 0.00% | 0.00% | 3.95% |
| Q4 2025 | 11.53% | 2.27% | 0.00% | 0.00% | 4.02% |
| Q3 2025 | 11.73% | 2.19% | 0.00% | 0.00% | 3.88% |
| Q2 2025 | 11.45% | 2.22% | 0.00% | 0.00% | 3.82% |
| Q1 2025 | 11.44% | 2.48% | 0.00% | 0.00% | 3.89% |
| Q4 2024 | 10.85% | 1.53% | 0.00% | 0.00% | 3.75% |
| Q3 2024 | 10.65% | 2.69% | 0.00% | 0.00% | 3.79% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Hemet Branch | Hemet , CA | 92544 | $335.4M |
| HCN Bank (main office) | Riverside , CA | 92506 | $164.7M |
| Beaumont Branch | Beaumont , CA | 92223 | $119.2M |
| Westside Branch | Hemet , CA | 92543 | $94.8M |
| San Jacinto Branch | San Jacinto , CA | 92583 | $89.9M |
| Anza Branch | Anza , CA | 92539 | $32.3M |
| Palm Springs Office Branch | Palm Springs , CA | 92264 | $9.9M |
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 |
|---|---|---|---|
| October 17, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 17, 1992 | Structure Change | Acquired Inland Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 16, 1992 | Structure Change | Acquired Hemet Bancorp 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 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 86 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 HCN Bank
What are HCN Bank's total assets?
As of the Q2 2026 filing, HCN Bank reported total assets of $998.4 million in its FFIEC call report.
Where is HCN Bank headquartered?
It is headquartered in Riverside, CA, United States.
When was HCN Bank founded?
It was established in 1974, per the FDIC institution directory.
Is HCN Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #21606). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates HCN Bank?
HCN Bank's primary federal regulator is the FDIC.
How many branches does HCN Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is HCN Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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.
What was HCN Bank previously called?
The charter now named HCN Bank has also operated as The Bank of Hemet (1986-2022), Bank of Hemet (1978-1986), per FDIC structure-change records.
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