Home Bank of California
BankRegReports is independent of Home Bank of California and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Home Bank of California is an FDIC-insured commercial bank headquartered in San Diego, CA, supervised by the FDIC, with $255.4M in total assets at Q2 2026, up 1.8% from Q2 2025, the 96th largest of 113 banks headquartered in California. It was established in 1981 and holds FDIC certificate 26271. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.27% 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
- 26271
- Headquarters
- San Diego, CA
- Established
- 1981
- Total assets, Q2 2026
- $255.4M
- Assets vs Q2 2025
- +1.8%
- Tier 1 leverage ratio, Q2 2026
- 12.27%
- Domestic offices
- 1 · Home Bank of California branches FDIC institution directory, current count
- Routing number
- 322285480
- Safety and soundness
- Is Home Bank of California safe?
- Latest call report
- Q2 2026, FFIEC 051 · Home Bank of California Q3 2026 call report, filed October 21, 2026 (preliminary)
- Asset rank in state
- 96th of 113 in California
Home Bank of California is one of the more profitable banks of its size. The San Diego, California bank had $255 million in assets at June 30, 2026, up 1.8% from a year earlier. It earns about $2.71 a year on every $100 of assets, about double the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 38 cents to bring in each dollar of revenue, lower than about 9 in 10 banks its size (median 61 cents).
Net income for the quarter rose 16% from a year earlier, to $1.7 million. Over the same year, loans grew 3.4% and deposits shrank 6.4%. Funding is the softer spot: it pays an average of 3.38% on its deposits and borrowings, about double the median of 1.80% for banks its size.
As of June 30, 2026, Home Bank of California reported a return on assets of 2.71%, 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, Home Bank of California is the 96th largest of the 113 banks headquartered in California. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.2% to $255.4M, loans fell 0.1% and deposits fell 0.5%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 41.3% of total loans, followed by owner-occupied commercial real estate loans at 23.7%. The FDIC Summary of Deposits lists a single office for it, in San Diego, CA. On its Q2 2026 call report, Home Bank of California meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 4493 Ruffin Rd, San Diego, CA 92123
- 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
- October 31, 1981
- Former names
- Home Investment and Loan (1994-2000)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $192.2M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- -$5K
- Average total assets
- $255.1M
- Average total loans
- $235.5M
- Average interest-bearing deposits
- $181.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 3, 1985
- FDIC Cert
- 26271
- Fed RSSD
- 118660
- Website
- https://www.hbc.bank →
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, Home Bank of California 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, Home Bank of California's total assets ran between $231.5M (Q4 2023) and $255.4M (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
$255.4M total assets against $250.9M; $224.1M total liabilities against $219.9M.
$233.0M net loans and leases against $225.2M; $192.2M total deposits against $205.3M.
$208K securities against $319K; $18.1M cash and balances due against $21.4M.
$4.7M total interest income against $4.6M; $1.9M total interest expense against $2.1M.
$2.8M net interest income against $2.6M.
$49K total noninterest income against $69K; $1.1M total noninterest expense against $1.1M.
$0 provision for credit losses against $0.
$1.7M net income against $1.5M.
2.71% return on assets against 2.38%; 4.47% net interest margin against 4.18%.
12.27% tier 1 leverage ratio against 12.35%.
Inside the full Home Bank of California 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).
Home Bank of California rankings
Its closest position to the top of a national ranking is 114 of 3,611, for ROA; its furthest is 3,504 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.45% (Q1 2025) to 2.71% (Q2 2026) and its net interest margin ran from 3.96% (Q1 2025) to 4.47% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.27% | 2.71% | 0.00% | 0.00% | 4.47% |
| Q1 2026 | 11.98% | 1.97% | 0.00% | 0.00% | 4.47% |
| Q4 2025 | 12.53% | 2.42% | 0.00% | 0.00% | 4.34% |
| Q3 2025 | 12.45% | 2.68% | 0.00% | 0.00% | 4.45% |
| Q2 2025 | 12.35% | 2.38% | 0.03% | 0.18% | 4.18% |
| Q1 2025 | 11.93% | 1.45% | 0.00% | 0.00% | 3.96% |
| Q4 2024 | 12.26% | 2.13% | 0.00% | 0.00% | 4.03% |
| Q3 2024 | 12.15% | 1.91% | 0.00% | 0.00% | 4.17% |
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 |
|---|---|---|---|
| Home Bank of California (main office) | San Diego , CA | 92123 | $192.2M |
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 |
|---|---|---|---|
| January 1, 2014 | Structure Change | Acquired La Jolla Pacific 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 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 137 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $2.9M approved, $1.4M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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
Add this badge to your website
Free to use. It shows Home Bank of California’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Home Bank of California
What are Home Bank of California's total assets?
As of the Q2 2026 filing, Home Bank of California reported total assets of $255.4 million in its FFIEC call report.
Where is Home Bank of California headquartered?
It is headquartered in San Diego, CA, United States.
When was Home Bank of California founded?
It was established in 1981, per the FDIC institution directory.
Is Home Bank of California FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26271). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Home Bank of California?
Home Bank of California's primary federal regulator is the FDIC.
How many branches does Home Bank of California 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 Home Bank of California'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 Home Bank of California previously called?
The charter now named Home Bank of California has also operated as Home Investment and Loan (1994-2000), per FDIC structure-change records.
Go deeper on Home Bank of California.
Get an email when Home Bank of California files its next call report, and benchmark it against any peer you choose.
Unlock Home Bank of California, freeFree account