Asset Quality ranking · California · Call report data as of September 30, 2026
California Banks: Highest CRE Delinquency
New Omni Bank, N.A. has the highest commercial real estate noncurrent rate of the 101 ranked banks headquartered in California, at 11.10% as of September 30, 2026. The median among the 101 ranked California banks is 0.14%, against 0.19% for all US banks. That top value sits far outside the middle half of ranked banks (0.00% to 0.76%). A rate this far from the middle usually comes from a few large problem loans or from lending to borrowers with lower credit scores, so read it beside the bank's dollar amounts and its trend.
This list ranks California banks by commercial real estate noncurrent rate. For the largest banks headquartered in California, see largest banks in California.
- No. 1 in California
- New Omni Bank
- Its CRE noncurrent
- 11.10%
- California median
- 0.14%
- Banks ranked
- 101
Ranked among banks headquartered in California, numbered 1 to 100 within the state from the same population as the national list. Browse every bank in the California bank directory.
Top 100 California banks by commercial real estate noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the California median of 0.14%. Missing values show as a dash and sort last.
| 1 | New Omni Bank, N.A. Alhambra, CA | 11.10% | $531.5M $100M to $1B |
| 2 | Universal Bank West Covina, CA | 10.72% | $385.7M $100M to $1B |
| 3 | California Pacific Bank Hayward, CA | 7.09% | $102.7M $100M to $1B |
| 4 | Banc of California Los Angeles, CA | 6.80% | $34.86B $10B to $100B |
| 5 | First Credit Bank West Hollywood, CA | 5.78% | $545.6M $100M to $1B |
| 6 | Legacy Bank Murrieta, CA | 5.63% | $103.6M $100M to $1B |
| 7 | Open Bank Los Angeles, CA | 3.99% | $2.81B $1B to $10B |
| 8 | Beneficial State Bank Oakland, CA | 2.87% | $2.01B $1B to $10B |
| 9 | Summit State Bank Santa Rosa, CA | 2.74% | $937.4M $100M to $1B |
| 10 | Preferred Bank Los Angeles, CA | 2.70% | $7.82B $1B to $10B |
| 11 | CTBC Bank Corp. (USA) Los Angeles, CA | 2.34% | $5.52B $1B to $10B |
| 12 | State Bank of India (California) Los Angeles, CA | 2.18% | $1.39B $1B to $10B |
| 13 | FFB Bank Fresno, CA | 2.11% | $1.70B $1B to $10B |
| 14 | Poppy Bank Santa Rosa, CA | 2.00% | $8.33B $1B to $10B |
| 15 | Commonwealth Business Bank Los Angeles, CA | 1.43% | $1.92B $1B to $10B |
| 16 | Mega Bank San Gabriel, CA | 1.27% | $566.9M $100M to $1B |
| 17 | US Metro Bank Garden Grove, CA | 1.17% | $1.73B $1B to $10B |
| 18 | Savings Bank of Mendocino County Ukiah, CA | 1.05% | $1.27B $1B to $10B |
| 19 | Community West Bank Fresno, CA | 1.03% | $5.00B $1B to $10B |
| 20 | Pinnacle Bank Morgan Hill, CA | 0.91% | $993.6M $100M to $1B |
| 21 | West Coast Community Bank Santa Cruz, CA | 0.89% | $2.98B $1B to $10B |
| 22 | Royal Business Bank Los Angeles, CA | 0.85% | $4.24B $1B to $10B |
| 23 | First General Bank Rowland Heights, CA | 0.84% | $1.20B $1B to $10B |
| 24 | City National Bank Los Angeles, CA | 0.83% | $101.83B $100B and over |
| 25 | Bank of Hope Los Angeles, CA | 0.81% | $19.18B $10B to $100B |
| 26 | Evertrust Bank City of Industry, CA | 0.76% | $1.10B $1B to $10B |
| 27 | Bank of the Orient San Francisco, CA | 0.71% | $1.29B $1B to $10B |
| 28 | Plumas Bank Quincy, CA | 0.69% | $2.27B $1B to $10B |
| 29 | Tri Counties Bank Chico, CA | 0.68% | $9.98B $1B to $10B |
| 30 | Bank of Marin Corte Madera, CA | 0.68% | $3.87B $1B to $10B |
| 31 | United Business Bank Walnut Creek, CA | 0.68% | $2.67B $1B to $10B |
| 32 | Chino Commercial Bank, N.A. Chino, CA | 0.62% | $538.5M $100M to $1B |
| 33 | Five Star Bank Roseville, CA | 0.58% | $5.56B $1B to $10B |
| 34 | Hanmi Bank Los Angeles, CA | 0.55% | $8.04B $1B to $10B |
| 35 | Exchange Bank Santa Rosa, CA | 0.49% | $3.19B $1B to $10B |
| 36 | First Pacific Bank Whittier, CA | 0.46% | $530.9M $100M to $1B |
| 37 | Bank of the Sierra Porterville, CA | 0.38% | $3.67B $1B to $10B |
| 38 | Bac Community Bank Stockton, CA | 0.37% | $773.0M $100M to $1B |
| 39 | PCB Bank Los Angeles, CA | 0.36% | $3.54B $1B to $10B |
| 40 | Fremont Bank Fremont, CA | 0.34% | $6.08B $1B to $10B |
| 41 | CalPrivate Bank La Jolla, CA | 0.32% | $2.75B $1B to $10B |
| 42 | Commercewest Bank Irvine, CA | 0.31% | $1.07B $1B to $10B |
| 43 | East West Bank Pasadena, CA | 0.26% | $85.57B $10B to $100B |
| 44 | American Business Bank Los Angeles, CA | 0.26% | $4.53B $1B to $10B |
| 45 | Mechanics Bank Walnut Creek, CA | 0.25% | $20.96B $10B to $100B |
| 46 | Cathay Bank Los Angeles, CA | 0.25% | $25.56B $10B to $100B |
| 47 | First Commercial Bank (U.S.A) Alhambra, CA | 0.21% | $887.9M $100M to $1B |
| 48 | Mission Valley Bank Sun Valley, CA | 0.19% | $788.9M $100M to $1B |
| 49 | MB Remainco, Inc Los Angeles, CA | 0.19% | $3.44B $1B to $10B |
| 50 | Genesis Bank Newport Beach, CA | 0.16% | $362.7M $100M to $1B |
| 51 | United Pacific Bank City of Industry, CA | 0.14% | $199.1M $100M to $1B |
| 52 | GBC International Bank Los Angeles, CA | 0.14% | $653.1M $100M to $1B |
| 53 | Commercial Bank of California Irvine, CA | 0.13% | $4.10B $1B to $10B |
| 54 | First Northern Bank of Dixon Dixon, CA | 0.13% | $1.99B $1B to $10B |
| 55 | Bank of San Francisco San Francisco, CA | 0.11% | $930.4M $100M to $1B |
| 56 | Axos Bank San Diego, CA | 0.11% | $29.67B $10B to $100B |
| 57 | Citizens Business Bank, N.A. Ontario, CA | 0.08% | $20.52B $10B to $100B |
| 58 | Farmers and Merchants Bank of Long Beach Long Beach, CA | 0.08% | $11.30B $10B to $100B |
| 59 | American Plus Bank, N.A. Arcadia, CA | 0.06% | $934.5M $100M to $1B |
| 60 | Mission Bank Bakersfield, CA | 0.05% | $2.07B $1B to $10B |
| 61 | Farmers & Merchants Bank of Central California Lodi, CA | 0.05% | $5.70B $1B to $10B |
| 62 | Bank of Stockton Stockton, CA | 0.04% | $4.95B $1B to $10B |
| 63 | California Bank of Commerce, N.A. San Diego, CA | 0.01% | $4.10B $1B to $10B |
| 64 | River City Bank Sacramento, CA | 0.00% | $6.38B $1B to $10B |
| 65 | Westamerica Bank San Rafael, CA | 0.00% | $5.76B $1B to $10B |
| 66 | Avidbank San Jose, CA | 0.00% | $2.96B $1B to $10B |
| 67 | Montecito Bank & Trust Santa Barbara, CA | 0.00% | $2.05B $1B to $10B |
| 68 | Oak Valley Community Bank Oakdale, CA | 0.00% | $1.98B $1B to $10B |
| 69 | American Riviera Bank Santa Barbara, CA | 0.00% | $1.47B $1B to $10B |
| 70 | Malaga Bank, FSB Palos Verdes Estates, CA | 0.00% | $1.46B $1B to $10B |
| 71 | Pacific Coast Bankers' Bank Walnut Creek, CA | 0.00% | $1.41B $1B to $10B |
| 72 | Provident Savings Bank, F.S.B. Riverside, CA | 0.00% | $1.21B $1B to $10B |
| 73 | HCN Bank Riverside, CA | 0.00% | $1.05B $1B to $10B |
| 74 | Golden State Bank Glendale, CA | 0.00% | $1.04B $1B to $10B |
| 75 | C3BANK, N.A. Encinitas, CA | 0.00% | $890.6M $100M to $1B |
| 76 | Endeavor Bank San Diego, CA | 0.00% | $834.4M $100M to $1B |
| 77 | River Valley Community Bank Yuba City, CA | 0.00% | $805.2M $100M to $1B |
| 78 | Pacific Valley Bank Salinas, CA | 0.00% | $667.8M $100M to $1B |
| 79 | Golden Valley Bank Chico, CA | 0.00% | $624.8M $100M to $1B |
| 80 | Partners Bank of California Mission Viejo, CA | 0.00% | $603.3M $100M to $1B |
| 81 | Redwood Capital Bank Eureka, CA | 0.00% | $557.1M $100M to $1B |
| 82 | Pacific Alliance Bank San Gabriel, CA | 0.00% | $445.0M $100M to $1B |
| 83 | Community Commerce Bank Claremont, CA | 0.00% | $425.2M $100M to $1B |
| 84 | Community Bank of Santa Maria Santa Maria, CA | 0.00% | $417.7M $100M to $1B |
| 85 | Infinity Bank Santa Ana, CA | 0.00% | $381.0M $100M to $1B |
| 86 | American Continental Bank City of Industry, CA | 0.00% | $377.4M $100M to $1B |
| 87 | Liberty Bank N.A. Irvine, CA | 0.00% | $374.6M $100M to $1B |
| 88 | Gateway Bank, F.S.B. Oakland, CA | 0.00% | $329.1M $100M to $1B |
| 89 | Bank Irvine Irvine, CA | 0.00% | $316.3M $100M to $1B |
| 90 | Monterey County Bank Monterey, CA | 0.00% | $301.4M $100M to $1B |
| 91 | Mission National Bank San Francisco, CA | 0.00% | $290.2M $100M to $1B |
| 92 | Home Bank of California San Diego, CA | 0.00% | $257.0M $100M to $1B |
| 93 | Neighborhood National Bank El Cajon, CA | 0.00% | $234.6M $100M to $1B |
| 94 | Metropolitan Bank Oakland, CA | 0.00% | $226.6M $100M to $1B |
| 95 | Beach Cities Commercial Bank Irvine, CA | 0.00% | $180.1M $100M to $1B |
| 96 | Icon Business Bank Riverside, CA | 0.00% | $178.4M $100M to $1B |
| 97 | Bank of Whittier, N.A. Whittier, CA | 0.00% | $157.0M $100M to $1B |
| 98 | Beacon Business Bank, N.A. San Francisco, CA | 0.00% | $154.2M $100M to $1B |
| 99 | California Business Bank Irvine, CA | 0.00% | $141.2M $100M to $1B |
| 100 | California International Bank, N.A. Westminster, CA | 0.00% | $131.7M $100M to $1B |
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Definition and formula
The commercial real estate (CRE) noncurrent rate on this list is the share of a bank's loans secured by nonfarm nonresidential property, such as offices, stores, warehouses and hotels, that are on nonaccrual or 90 or more days past due and still accruing. Owner-occupied and investor-owned property are both included. Multifamily and construction loans are reported on their own lines of the call report and are not.
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans
The glossary entry for Commercial Real Estate Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 101 banks headquartered in California that meet every rule below, using each bank's latest FFIEC call report (data as of September 30, 2026).
- Banks with at least $100M in total assets, so a ratio on a very small balance sheet cannot lead the list.
- Banks with at least $25M in nonfarm nonresidential (commercial property) loans, so a rate on a few loans cannot lead the list.
- Lending institutions only: charters with loans under 5% of assets, mostly trust and custody banks, are not ranked.
- Charters the regulator has closed, merged or converted are excluded.
- Each bank charter ranks on its own; holding companies are not combined.
What moves the CRE noncurrent rate
The rate rises when tenants leave or rents fall far enough that a property's income no longer covers its loan payments, as has happened to many office buildings since 2020, and when a maturing loan cannot be refinanced at current rates. Owner-occupied loans depend more on the borrower's business than on the building, so a bank whose book is mostly owner-occupied tends to run a lower rate. A single large loan can move a small bank's rate by several points, so compare it with the dollar amounts and the trend.
Frequently asked questions
Which bank in California has the highest commercial real estate noncurrent rate?
New Omni Bank, N.A. has the highest commercial real estate noncurrent rate of the 101 ranked banks headquartered in California, at 11.10% as of September 30, 2026, according to its FFIEC call report. Universal Bank ranks second at 10.72%. The median is 0.14%.
What is the median CRE noncurrent rate among ranked US banks?
As of Q3 2026, CRE noncurrent rate for the middle half of the 2,776 ranked US banks ran from 0.00% to 1.05%, and the median was 0.19%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Commercial Real Estate Loans glossary entry.
How is the CRE noncurrent rate calculated?
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans. Each bank charter is ranked on its own; holding companies are not combined. See the Commercial Real Estate Loans glossary entry.
The same ranking in other states
Other California rankings
More asset quality rankings
Source: FFIEC call reports for the quarter ended September 30, 2026, refreshed as each quarter's filings are processed. See data updates for the current freshness window. Next update: Q4 2026 Call Reports are due February 1, 2027; we expect them on the platform by mid-February 2027.
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