State Bank of India (California)
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Data as of · sourced from FFIEC call reports. How we update
State Bank of India (California) is an FDIC-insured commercial bank headquartered in Los Angeles, CA, established in 1982 (FDIC certificate 23998), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.38B, up 6.0% from Q2 2025, the 50th largest of 113 banks headquartered in California. Its CET1 capital ratio was 15.94% 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
- 23998
- Headquarters
- Los Angeles, CA
- Established
- 1982
- Total assets, Q2 2026
- $1.38B
- Assets vs Q2 2025
- +6.0%
- CET1 ratio, Q2 2026
- 15.94%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 122039344
- Latest call report
- Q2 2026, FFIEC 051 · State Bank of India (California) Q3 2026 call report, filed October 22, 2026 (preliminary)
- Holding company
- STATE BANK OF INDIA
- Asset rank in state
- 50th of 113 in California
Problem loans are rising at State Bank of India (California). It reported $1.4 billion in assets at June 30, 2026, up 6.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.11% of loans from 0.43% a year earlier. It keeps 2.75 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also pays an average of 3.18% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 2.01%).
Net income for the quarter rose 26% from a year earlier, to $2.9 million. Profitability lags: it returns 6.2% a year on shareholders' equity, about half the median of 12.7% for banks its size.
As of June 30, 2026, State Bank of India (California) reported a CET1 capital ratio of 15.94%, a return on assets of 0.84%, a nonperforming-loan ratio of 1.11% and a Texas ratio of 6.47%. The figures come from its call report filed with the FFIEC.
State Bank of India (California) ranks as the 50th largest of the 113 banks based in California, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 0.8% to $1.38B, loans fell 2.0% and deposits fell 0.7%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 43.2% of total loans, ahead of commercial and industrial loans at 41.3%. Its 8 offices in the FDIC Summary of Deposits are in 7 cities in CA; its Los Angeles 2 offices book 26% of its branch deposits. Judged on its Q2 2026 call report, State Bank of India (California) meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 707 Wilshire Blvd, Los Angeles, CA 90017
- 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
- September 3, 1982
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 99
- Domestic deposits
- $1.18B
- Allowance for credit losses
- $15.6M
- Net charge-offs (YTD)
- $37K
- Average total assets
- $1.38B
- Average total loans
- $1.19B
- Average interest-bearing deposits
- $1.06B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 3, 1982
- FDIC Cert
- 23998
- Fed RSSD
- 779968
- Website
- www.sbical.com →
- Parent Holding Company
- STATE BANK OF INDIA (RSSD 1242562)
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
State Bank of India (California)'s total assets moved between a low of $1.14B (Q4 2023) and a high of $1.39B (Q1 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
$1.38B total assets against $1.30B; $1.20B total liabilities against $1.13B.
$1.17B net loans and leases against $1.12B; $1.18B total deposits against $1.12B.
$122.3M securities against $104.7M; $64.6M cash and balances due against $48.8M.
$18.8M total interest income against $18.5M; $9.4M total interest expense against $9.5M.
$9.4M net interest income against $9.1M.
$639K total noninterest income against $557K; $5.9M total noninterest expense against $5.2M.
$0 provision for credit losses against $1.1M.
$2.9M net income against $2.3M.
0.84% return on assets against 0.71%; 2.75% net interest margin against 2.85%.
15.94% CET1 capital ratio against 16.05%; 14.05% tier 1 leverage ratio against 14.36%.
Inside the full State Bank of India (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 are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
State Bank of India (California) rankings
Its closest position to the top of a national ranking is 790 of 4,196, for total assets; its furthest is 2,828 of 3,611, for ROA.
Metric pages for State Bank of India (California): Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.47% (Q3 2024) to 1.35% (Q1 2026) and its net interest margin ran from 2.61% (Q4 2024) to 2.85% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.94% | 0.84% | 1.11% | 6.47% | 2.75% |
| Q1 2026 | 15.42% | 1.35% | 1.09% | 6.57% | 2.80% |
| Q4 2025 | 15.76% | 0.71% | 1.65% | 9.73% | 2.61% |
| Q3 2025 | 16.07% | 0.87% | 0.80% | 4.66% | 2.85% |
| Q2 2025 | 16.05% | 0.71% | 0.43% | 2.58% | 2.85% |
| Q1 2025 | 16.32% | 0.90% | 0.00% | 0.00% | 2.65% |
| Q4 2024 | 16.44% | 0.76% | 0.92% | 5.25% | 2.61% |
| Q3 2024 | 16.34% | 0.47% | 0.93% | 5.27% | 2.73% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| State Bank of India (California) - Fremont Branch | Fremont , CA | 94538 | $237.9M |
| Cerritos | Cerritos , CA | 90703 | $190.5M |
| San Diego Branch | San Diego , CA | 92126 | $185.6M |
| State Bank of India (California) (main office) | Los Angeles , CA | 90017 | $178.1M |
| Sunnyvale Branch | Sunnyvale , CA | 94087 | $141.4M |
| Los Angeles Branch | Los Angeles , CA | 90017 | $123.5M |
| State Bank of India Branch | Woodland Hills , CA | 91364 | $69.2M |
| Fresno Branch | Fresno , CA | 93711 | $55.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, STATE BANK OF INDIA, not the bank itself
- September 22, 1994, Federal Reserve: Cease and Desist Order: State Bank of India, Bombay, India
- Period: Most recent institution action September 22, 1994. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CA, rank 75 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $4.1M approved, $1.4M average. 33.33% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (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 State Bank of India (California)
What are State Bank of India (California)'s total assets?
As of the Q2 2026 filing, State Bank of India (California) reported total assets of $1.38 billion in its FFIEC call report.
Where is State Bank of India (California) headquartered?
It is headquartered in Los Angeles, CA, United States.
When was State Bank of India (California) founded?
It was established in 1982, per the FDIC institution directory.
Is State Bank of India (California) FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23998). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank of India (California)?
State Bank of India (California)'s primary federal regulator is the FDIC.
What is State Bank of India (California)'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.94% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does State Bank of India (California) operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is State Bank of India (California)'s Texas Ratio?
Its Texas Ratio is 6.47% 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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