Tustin Community Bank
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Data as of · sourced from FFIEC call reports. How we update
Tustin Community Bank is an FDIC-insured commercial bank headquartered in Tustin, CA, established in 1981 (FDIC certificate 32908), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $86.5M, up 7.0% from Q2 2025, the 111th largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.46% 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
- 32908
- Headquarters
- Tustin, CA
- Established
- 1981
- Total assets, Q2 2026
- $86.5M
- Assets vs Q2 2025
- +7.0%
- Tier 1 leverage ratio, Q2 2026
- 15.46%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 322286489
- Holding company
- SADDLEBACK BANCORP
- Asset rank in state
- 111th of 113 in California
Tustin Community Bank earns an unusually wide margin on its lending. Its balance sheet stood at $87 million at June 30, 2026, up 7.0% from a year earlier; it is based in Tustin, California. It keeps 6.10 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). On the other hand, it holds commercial real estate loans worth 1.7 times its capital, 6.3 times the median of 26% for banks its size.
Earnings jumped: net income for the quarter was $220,000, 83% above the same quarter a year earlier. Funding is the softer spot: it pays an average of 2.37% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
As of June 30, 2026, Tustin Community Bank reported a return on assets of 1.02%, 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, Tustin Community Bank is the 111th largest of the 113 banks headquartered in California. Between Q1 2026 and Q2 2026, its total assets rose 0.4% to $86.5M, loans rose 2.2% and deposits fell 2.7%. The largest part of its loan book on June 30, 2026 was auto loans, at 40.6% of total loans, ahead of multifamily loans at 17.0%. The FDIC Summary of Deposits lists a single office for it, in Tustin, CA. By the capital ratios in its Q2 2026 call report, Tustin Community Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 13891 Newport Avenue, Suites 100 & 130, Tustin, CA 92780
- County
- Orange
- 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
- April 23, 1981
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $69.5M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $132K
- Average total assets
- $86.3M
- Average total loans
- $69.0M
- Average interest-bearing deposits
- $56.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 16, 1990
- FDIC Cert
- 32908
- Fed RSSD
- 1418255
- Website
- www.tustin.bank →
- Parent Holding Company
- SADDLEBACK BANCORP (RSSD 3591611)
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, Tustin Community Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Tustin Community Bank's total assets moved between a low of $74.8M (Q1 2024) and a high of $86.5M (Q2 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
$86.5M total assets against $80.9M; $73.2M total liabilities against $69.4M.
$68.1M net loans and leases against $60.3M; $69.5M total deposits against $63.3M.
$0 securities against $2.0M; $12.1M cash and balances due against $12.2M.
$1.6M total interest income against $1.5M; $414K total interest expense against $462K.
$1.2M net interest income against $1.1M.
$52K total noninterest income against $91K; $938K total noninterest expense against $972K.
$71K provision for credit losses against $44K.
$220K net income against $120K.
1.02% return on assets against 0.61%; 6.10% net interest margin against 5.49%.
15.46% tier 1 leverage ratio against 14.47%.
Inside the full Tustin Community 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.
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.
Tustin Community Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.48% (Q3 2025) to 1.18% (Q1 2026) and its net interest margin ran from 5.30% (Q1 2025) to 6.10% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.46% | 1.02% | 0.00% | 0.00% | 6.10% |
| Q1 2026 | 15.66% | 1.18% | 0.04% | 0.17% | 5.67% |
| Q4 2025 | 16.01% | 0.76% | 0.01% | 0.03% | 5.82% |
| Q3 2025 | 16.38% | 0.48% | 0.00% | 0.00% | 5.58% |
| Q2 2025 | 14.47% | 0.61% | 0.00% | 0.00% | 5.49% |
| Q1 2025 | 14.20% | 0.72% | 0.02% | 0.10% | 5.30% |
| Q4 2024 | 13.94% | 0.79% | 0.03% | 0.13% | 5.75% |
| Q3 2024 | 14.01% | 0.87% | 0.01% | 0.04% | 5.81% |
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 |
|---|---|---|---|
| Tustin Community Bank (main office) | Tustin , CA | 92780 | $69.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 155 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $595K approved, $298K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (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
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Frequently asked about Tustin Community Bank
What are Tustin Community Bank's total assets?
As of the Q2 2026 filing, Tustin Community Bank reported total assets of $86.5 million in its FFIEC call report.
Where is Tustin Community Bank headquartered?
It is headquartered in Tustin, CA, United States.
When was Tustin Community Bank founded?
It was established in 1981, per the FDIC institution directory.
Is Tustin Community Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #32908). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Tustin Community Bank?
Tustin Community Bank's primary federal regulator is the FDIC.
How many branches does Tustin Community Bank 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 Tustin Community 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.
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