Home Bank of California: 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.
The standout move of Q2 2026 was in Efficiency ratio: 17.01 percentage points lower than in Q1 2026, at 37.83%. Among 114 California banks, Home Bank of California sits 5th from the top on return on assets, 2.71% as of Q2 2026. Home Bank of California's return on assets of 2.71% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.45 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.27% |
| Equity capital to assets | 12.26% |
| Tangible equity to tangible assets | 12.26% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.71% |
| Return on equity | 22.59% |
| Net interest margin | 4.47% |
| Efficiency ratio | 37.83% |
| Yield on earning assets | 7.46% |
| Cost of funds | 3.38% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 122.43% |
| Core deposits to total deposits | 70.51% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 75.24% |
| Securities to assets | 0.08% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.77% | 1.66% | 4.23% | 0.00% | 0.09% |
| Q4 2023 | 12.25% | 1.44% | 4.05% | 0.00% | 0.00% |
| Q1 2024 | 12.30% | 0.98% | 4.43% | 0.00% | 0.00% |
| Q2 2024 | 11.97% | 1.38% | 3.99% | 0.00% | 0.00% |
| Q3 2024 | 12.15% | 1.91% | 4.17% | 0.00% | 0.00% |
| Q4 2024 | 12.26% | 2.13% | 4.03% | 0.00% | 0.00% |
| Q1 2025 | 11.93% | 1.45% | 3.96% | 0.00% | 0.00% |
| Q2 2025 | 12.35% | 2.38% | 4.18% | 0.03% | 0.00% |
| Q3 2025 | 12.45% | 2.68% | 4.45% | 0.00% | 0.11% |
| Q4 2025 | 12.53% | 2.42% | 4.34% | 0.00% | 0.00% |
| Q1 2026 | 11.98% | 1.97% | 4.47% | 0.00% | -0.01% |
| Q2 2026 | 12.27% | 2.71% | 4.47% | 0.00% | -0.00% |
Home Bank of California vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Bank of California, 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 Home Bank of California profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26271) · FFIEC NIC profile (RSSD 118660)