State Bank of India (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.
Brokered deposits to total deposits dropped 3.18 percentage points in Q2 2026, from 13.38% to 10.20%. It was the largest change from Q1 2026 among the key lines here. Within California, State Bank of India (California) is 75th of 114 on return on assets, 0.84% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. State Bank of India (California) sits 0.44 points lower, at 0.84% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.94% |
| Tier 1 risk-based capital ratio | 15.94% |
| Total risk-based capital ratio | 17.19% |
| Tier 1 leverage ratio | 14.05% |
| Equity capital to assets | 13.51% |
| Tangible equity to tangible assets | 13.51% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.11% |
| Non-performing assets ratio | 0.95% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 6.47% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 119.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.84% |
| Return on equity | 6.24% |
| Net interest margin | 2.75% |
| Efficiency ratio | 58.79% |
| Yield on earning assets | 5.50% |
| Cost of funds | 3.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.13% |
| Core deposits to total deposits | 63.99% |
| Brokered deposits to total deposits | 10.20% |
| Deposits to assets | 85.44% |
| Securities to assets | 8.84% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.26% | 17.26% | 18.51% | 15.37% | 1.11% |
| Q4 2023 | 17.11% | 17.11% | 18.37% | 15.26% | 0.99% |
| Q1 2024 | 16.66% | 16.66% | 17.91% | 15.22% | 1.37% |
| Q2 2024 | 17.36% | 17.36% | 18.61% | 15.13% | 0.85% |
| Q3 2024 | 16.34% | 16.34% | 17.59% | 15.08% | 0.47% |
| Q4 2024 | 16.44% | 16.44% | 17.69% | 14.51% | 0.76% |
| Q1 2025 | 16.32% | 16.32% | 17.58% | 14.62% | 0.90% |
| Q2 2025 | 16.05% | 16.05% | 17.30% | 14.36% | 0.71% |
| Q3 2025 | 16.07% | 16.07% | 17.32% | 14.20% | 0.87% |
| Q4 2025 | 15.76% | 15.76% | 17.01% | 14.14% | 0.71% |
| Q1 2026 | 15.42% | 15.42% | 16.67% | 13.93% | 1.35% |
| Q2 2026 | 15.94% | 15.94% | 17.19% | 14.05% | 0.84% |
State Bank of India (California) vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock State Bank of India (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 State Bank of India (California) profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23998) · FFIEC NIC profile (RSSD 779968)