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Financial strength ranking · California · Call Report data as of Q2 2026

Best Banks in California by Financial Strength

Malaga Bank, FSB ranks first among the 102 banks headquartered in California we score, with a financial strength score of 88.5 out of 100 as of June 30, 2026. The score averages each bank's national percentile on four Call Report ratios: return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.

Ranked first
Malaga Bank, FSB
Its score
88.5 of 100
Banks scored in California
102
Its return on assets
1.63%

The 100 highest scoring banks in California

Select a column heading to sort. Score is 0 to 100, where 100 would be the best US bank on all four ratios; ratios for Q2 2026.

Banks headquartered in California ranked by financial strength score, with total assets, return on assets, efficiency ratio, Tier 1 leverage ratio and nonperforming assets ratio.
1 Malaga Bank, FSB Palos Verdes Estates 88.5 1.63% 30.34% 16.76% 0.00% $1.45B
2 Home Bank of California San Diego 88.0 2.71% 37.83% 12.27% 0.00% $255.4M
3 HCN Bank Riverside 83.2 2.18% 45.01% 11.70% 0.00% $998.4M
4 American Plus Bank, N.A. Arcadia 82.2 2.02% 30.38% 16.46% 0.28% $935.0M
5 Mission Bank Bakersfield 78.7 1.69% 43.83% 12.22% 0.02% $2.01B
6 Murphy Bank Fresno 77.6 2.64% 49.65% 14.89% 0.34% $357.2M
7 Farmers & Merchants Bank of Central California Lodi 75.4 1.77% 42.47% 11.65% 0.10% $5.83B
8 Bank Irvine Irvine 74.9 0.99% 51.07% 22.76% 0.00% $305.6M
9 First General Bank Rowland Heights 74.1 2.38% 30.88% 26.30% 1.72% $1.17B
10 Partners Bank of California Mission Viejo 73.9 1.43% 49.28% 11.67% 0.00% $602.2M
11 Westamerica Bank San Rafael 73.1 1.82% 42.44% 10.27% 0.01% $5.77B
12 California International Bank, N.A. Westminster 72.8 2.25% 69.44% 13.51% 0.00% $120.9M
13 Chino Commercial Bank, N.A. Chino 70.5 1.66% 49.64% 12.51% 0.23% $516.7M
14 West Coast Community Bank Santa Cruz 69.0 1.92% 39.60% 12.05% 0.62% $2.94B
15 Farmers and Merchants Bank of Long Beach Long Beach 68.2 1.21% 57.20% 13.95% 0.01% $11.77B
16 Hanmi Bank Los Angeles 65.5 1.32% 50.87% 11.71% 0.12% $7.95B
17 Five Star Bank Roseville 64.8 1.60% 38.35% 10.25% 0.25% $5.38B
18 River City Bank Sacramento 64.7 1.28% 29.31% 9.22% 0.00% $6.04B
19 American Continental Bank City of Industry 64.5 1.44% 59.83% 16.23% 0.27% $385.3M
20 East West Bank Pasadena 64.2 1.76% 36.03% 9.89% 0.29% $84.32B
21 California Bank of Commerce, N.A. San Diego 64.0 1.49% 51.15% 12.80% 0.44% $4.02B
22 Cathay Bank Los Angeles 63.7 1.57% 40.66% 11.52% 0.59% $24.64B
23 Savings Bank of Mendocino County Ukiah 63.5 1.16% 58.00% 17.93% 0.21% $1.28B
24 American Business Bank Los Angeles 62.7 1.47% 46.91% 11.01% 0.31% $4.42B
25 PCB Bank Los Angeles 62.3 1.26% 48.05% 11.54% 0.25% $3.47B
26 CalPrivate Bank La Jolla 62.1 2.16% 44.63% 11.52% 1.50% $2.71B
27 Plumas Bank Quincy 61.5 1.82% 47.15% 11.77% 1.04% $2.28B
28 Axos Bank San Diego 60.5 2.15% 43.53% 9.24% 0.38% $28.87B
29 C3BANK, N.A. Encinitas 60.5 1.16% 56.69% 10.59% 0.00% $949.3M
30 El Dorado Savings Bank, F.S.B. Placerville 60.1 0.93% 58.61% 13.43% 0.06% $2.44B
31 Infinity Bank Santa Ana 59.8 1.66% 57.07% 13.03% 0.68% $359.5M
32 Bank of the Sierra Porterville 58.4 1.23% 56.04% 12.25% 0.28% $3.72B
33 Preferred Bank Los Angeles 57.7 1.74% 32.21% 10.55% 1.32% $7.73B
34 Mega Bank San Gabriel 57.6 1.39% 51.50% 14.43% 1.38% $506.7M
35 Eastern International Bank Los Angeles 57.1 0.80% 74.72% 18.27% 0.00% $125.8M
36 Citizens Business Bank, N.A. Ontario 56.4 1.01% 57.08% 11.41% 0.08% $21.18B
37 Evertrust Bank City of Industry 56.4 1.04% 56.81% 21.71% 0.63% $1.13B
38 Bank of America California, N.A. San Francisco 56.3 0.77% 41.79% 12.41% 0.43% $14.81B
39 GBC International Bank Los Angeles 55.9 0.99% 64.90% 15.94% 0.18% $658.5M
40 Bank of Whittier, N.A. Whittier 55.9 0.46% 69.60% 16.38% 0.00% $152.6M
41 Avidbank San Jose 55.2 1.26% 54.11% 11.99% 0.54% $2.65B
42 Tri Counties Bank Chico 54.4 1.39% 54.96% 12.00% 0.76% $9.93B
43 Pacific Alliance Bank San Gabriel 53.5 0.80% 62.54% 13.37% 0.12% $454.4M
44 Endeavor Bank San Diego 53.1 1.18% 58.18% 11.81% 0.36% $822.7M
45 Commercewest Bank Irvine 52.8 1.27% 48.97% 11.14% 0.80% $1.20B
46 Oak Valley Community Bank Oakdale 52.6 1.11% 62.68% 11.48% 0.13% $2.00B
47 Royal Business Bank Los Angeles 52.1 1.17% 51.86% 12.54% 1.03% $4.27B
48 Redwood Capital Bank Eureka 52.0 1.20% 61.58% 10.96% 0.17% $566.0M
49 First Commercial Bank (U.S.A) Alhambra 51.9 0.98% 58.29% 23.27% 0.90% $849.9M
50 Pacific Valley Bank Salinas 50.7 0.99% 65.39% 12.60% 0.20% $653.3M
51 First Northern Bank of Dixon Dixon 50.6 1.01% 60.17% 11.95% 0.30% $1.93B
52 Golden State Bank Glendale 50.4 1.34% 55.61% 11.04% 0.71% $1.00B
53 First Federal Savings and Loan Association of San Rafael San Rafael 49.0 0.09% 96.65% 18.75% 0.00% $222.1M
54 Community Commerce Bank Claremont 48.8 0.80% 59.55% 15.25% 0.64% $422.7M
55 Commercial Bank of California Irvine 48.3 1.34% 53.36% 9.27% 0.35% $3.98B
56 Golden Valley Bank Chico 47.7 0.93% 60.65% 9.32% 0.00% $604.7M
57 Bank of San Francisco San Francisco 46.8 0.83% 64.91% 10.92% 0.07% $863.6M
58 Poppy Bank Santa Rosa 46.2 1.36% 41.67% 9.71% 1.59% $8.32B
59 Community Bank of Santa Maria Santa Maria 45.7 1.12% 68.65% 10.49% 0.11% $396.5M
60 Mission National Bank San Francisco 45.7 -0.19% 92.36% 13.94% 0.00% $276.4M
61 State Bank of India (California) Los Angeles 45.6 0.84% 58.79% 14.05% 0.95% $1.38B
62 Commonwealth Business Bank Los Angeles 45.2 1.03% 59.33% 13.93% 1.52% $1.97B
63 American Riviera Bank Santa Barbara 44.3 1.03% 60.44% 11.25% 0.55% $1.44B
64 FFB Bank Fresno 44.2 1.38% 61.08% 12.20% 2.75% $1.62B
65 CTBC Bank Corp. (USA) Los Angeles 44.0 0.87% 60.80% 14.67% 1.17% $5.87B
66 Liberty Bank N.A. Irvine 43.7 -0.55% 111.63% 14.44% 0.00% $399.2M
67 Bac Community Bank Stockton 43.6 0.85% 73.36% 11.44% 0.11% $761.9M
68 Exchange Bank Santa Rosa 43.5 0.89% 66.91% 12.64% 0.45% $3.19B
69 Mechanics Bank Walnut Creek 43.2 1.13% 57.62% 9.38% 0.28% $21.25B
70 Beacon Business Bank, N.A. San Francisco 43.2 0.44% 86.04% 11.63% 0.00% $164.4M
71 Bank of Marin Corte Madera 41.5 1.06% 59.40% 9.16% 0.22% $3.86B
72 Provident Savings Bank, F.S.B. Riverside 39.9 0.79% 74.07% 10.30% 0.04% $1.21B
73 Open Bank Los Angeles 39.6 1.25% 55.68% 10.15% 1.74% $2.75B
74 California Business Bank Irvine 38.9 0.73% 87.06% 14.46% 0.39% $130.5M
75 New Omni Bank, N.A. Alhambra 38.6 0.97% 70.81% 27.11% 5.71% $517.9M
76 City National Bank Los Angeles 38.3 1.19% 63.46% 10.08% 0.64% $99.10B
77 River Valley Community Bank Yuba City 38.1 0.69% 68.03% 8.73% 0.00% $793.1M
78 Montecito Bank & Trust Santa Barbara 37.2 0.52% 82.40% 11.29% 0.11% $2.02B
79 Pacific Coast Bankers' Bank Walnut Creek 36.5 0.67% 79.85% 11.35% 0.23% $1.21B
80 Community West Bank Fresno 36.2 0.45% 61.76% 10.98% 0.56% $5.02B
81 Bank of Hope Los Angeles 35.7 0.79% 62.85% 10.82% 0.70% $18.99B
82 US Metro Bank Garden Grove 35.3 1.02% 58.76% 10.42% 1.50% $1.64B
83 Genesis Bank Newport Beach 34.0 -0.51% 115.41% 11.01% 0.03% $340.3M
84 Neighborhood National Bank El Cajon 33.2 0.72% 77.52% 11.63% 0.54% $228.0M
85 Icon Business Bank Riverside 33.1 -0.87% 117.15% 11.94% 0.17% $155.5M
86 Beach Cities Commercial Bank Irvine 33.0 0.24% 93.10% 9.81% 0.00% $188.9M
87 Mission Valley Bank Sun Valley 31.6 1.07% 69.40% 11.00% 1.60% $782.0M
88 United Pacific Bank City of Industry 29.6 0.45% 84.81% 17.39% 2.03% $191.0M
89 Fremont Bank Fremont 29.5 1.14% 74.49% 8.35% 0.32% $5.97B
90 Metropolitan Bank Oakland 29.3 0.69% 75.17% 13.09% 2.31% $230.2M
91 Bank of the Orient San Francisco 29.1 0.66% 68.92% 11.65% 1.76% $1.21B
92 Universal Bank West Covina 28.7 0.33% 84.11% 17.80% 2.52% $388.0M
93 United Business Bank Walnut Creek 28.0 -1.08% 106.48% 11.66% 0.38% $2.56B
94 Pinnacle Bank Morgan Hill 26.9 0.64% 74.43% 11.88% 1.85% $937.0M
95 Summit State Bank Santa Rosa 26.4 -0.54% 61.22% 10.84% 2.16% $959.8M
96 Balboa Thrift and Loan Association Chula Vista 23.7 -0.80% 69.15% 10.61% 1.03% $394.5M
97 Gateway Bank, F.S.B. Oakland 23.5 -0.24% 102.86% 13.84% 1.84% $288.2M
98 Beneficial State Bank Oakland 23.3 0.60% 77.39% 11.22% 1.93% $2.03B
99 First Pacific Bank Whittier 22.4 0.07% 86.98% 9.25% 0.21% $514.4M
100 Banc of California Los Angeles 18.6 -2.68% 64.37% 9.64% 1.73% $34.90B

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How the score works

Each bank gets a percentile on each of four ratios, measured against every US bank that filed a Call Report for the quarter and turned so that higher is always better: 100 is the best bank in the country on that ratio and 0 the weakest. The score is the plain average of the four percentiles; 3,583 banks nationwide are scored.

A bank is scored when it is ranked on all four of those leaderboards: at least $100 million in total assets, open, a lending institution, and a quarter not driven by gains or losses on equity securities. Banks are listed by headquarters state.

Frequently asked questions

What is the best bank in California?

By our financial strength score, Malaga Bank, FSB of Palos Verdes Estates ranks first among the 102 scored banks headquartered in California, scoring 88.5 out of 100 for Q2 2026: return on assets of 1.63%, an efficiency ratio of 30.34%, a Tier 1 leverage ratio of 16.76% and nonperforming assets of 0.00% of total assets. Home Bank of California and HCN Bank rank second and third.

How are the best banks in California ranked?

Each bank is placed on four Call Report ratios against every US bank that filed for the quarter: return on assets and the Tier 1 leverage ratio, where higher is better, and the efficiency ratio and the nonperforming assets ratio, where lower is better. Each placement is a percentile from 0 to 100, and the score is their average. Only banks with at least $100 million in assets that are ranked on all four ratios are scored, 3,583 banks nationwide.

Does this ranking say which bank I should open an account with?

No. The score reads only what a bank files with its regulators: earnings, cost control, capital and problem assets. It does not measure deposit rates, fees, branches, apps or service, which matter most when choosing a bank for an account, and it is not a safety rating. FDIC insurance protects deposits at insured banks up to the legal limit regardless of a bank's score.

Best banks in other states

More in California

Largest banks in California Bank deposits in California Largest credit unions in California Return on assets ranking Efficiency ratio ranking Tier 1 leverage ratio ranking Nonperforming assets ratio ranking All rankings

Source: FFIEC Call Reports for Q2 2026, refreshed as each quarter's filings are processed. A ranking is not a safety rating: FDIC insurance covers deposits at insured banks up to the legal limit, whatever the score. Check your coverage with the FDIC insurance calculator.