Liquidity & Balance Sheet · California
US Banks with Highest Loan-to-Deposit Ratio in California
Ranked among banks headquartered in California. Re-ranked 1-100 within the state from the same national ranking population.
#1 Loan-to-Deposit Ratio:HATCH BANK — 210.69% . The Loan-to-Deposit Ratio (LTD) measures loans against deposits — a high ratio means deposits are fully deployed and the bank may rely on wholesale funding to grow loans.
| # | Bank | HQ | US Banks with … | Total Assets |
|---|---|---|---|---|
| 1 | HATCH BANK | SAN MARCOS , CA | 210.69% | $187M |
| 2 | FIRST CREDIT BANK | WEST HOLLYWOOD , CA | 152.56% | $505M |
| 3 | CALIFORNIA PACIFIC BANK | HAYWARD , CA | 142.08% | $101M |
| 4 | MALAGA BANK, FSB | PALOS VERDES ESTATES , CA | 131.29% | $1.4B |
| 5 | HOME BANK OF CALIFORNIA | SAN DIEGO , CA | 121.93% | $255M |
| 6 | GATEWAY BANK, F.S.B. | OAKLAND , CA | 115.03% | $287M |
| 7 | PROVIDENT SAVINGS BANK, F.S.B. | RIVERSIDE , CA | 114.89% | $1.2B |
| 8 | FIRST GENERAL BANK | ROWLAND HEIGHTS , CA | 114.55% | $1.1B |
| 9 | EASTERN INTERNATIONAL BANK | LOS ANGELES , CA | 114.33% | $124M |
| 10 | FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF SAN RAFAEL | SAN RAFAEL , CA | 112.38% | $220M |
| 11 | FIRST COMMERCIAL BANK (U.S.A) | ALHAMBRA , CA | 108.42% | $872M |
| 12 | BEACH CITIES COMMERCIAL BANK | IRVINE , CA | 107.35% | $182M |
| 13 | AXOS BANK | SAN DIEGO , CA | 107.24% | $28.2B |
| 14 | AMERICAN PLUS BANK, NATIONAL ASSOCIATION | ARCADIA , CA | 107.19% | $891M |
| 15 | NEW OMNI BANK, NATIONAL ASSOCIATION | ALHAMBRA , CA | 102.98% | $515M |
| 16 | BALBOA THRIFT AND LOAN ASSOCIATION | CHULA VISTA , CA | 102.10% | $408M |
| 17 | ICON BUSINESS BANK | RIVERSIDE , CA | 101.69% | $157M |
| 18 | STATE BANK OF INDIA (CALIFORNIA) | LOS ANGELES , CA | 101.49% | $1.4B |
| 19 | MURPHY BANK | FRESNO , CA | 100.94% | $360M |
| 20 | LIBERTY BANK N.A. | IRVINE , CA | 100.26% | $396M |
| 21 | PARTNERS BANK OF CALIFORNIA | MISSION VIEJO , CA | 100.00% | $615M |
| 22 | GOLDEN STATE BANK | GLENDALE , CA | 99.43% | $974M |
| 23 | PCB BANK | LOS ANGELES , CA | 99.26% | $3.4B |
| 24 | MISSION VALLEY BANK | SUN VALLEY , CA | 99.13% | $773M |
| 25 | COMMUNITY COMMERCE BANK | CLAREMONT , CA | 99.03% | $414M |
| 26 | AVIDBANK | SAN JOSE , CA | 98.64% | $2.6B |
| 27 | ROYAL BUSINESS BANK | LOS ANGELES , CA | 98.21% | $4.2B |
| 28 | MISSION NATIONAL BANK | SAN FRANCISCO , CA | 98.19% | $249M |
| 29 | EVERTRUST BANK | CITY OF INDUSTRY , CA | 98.14% | $1.1B |
| 30 | CATHAY BANK | LOS ANGELES , CA | 97.47% | $24.0B |
| 31 | BANK OF THE ORIENT | SAN FRANCISCO , CA | 97.45% | $1.2B |
| 32 | PACIFIC VALLEY BANK | SALINAS , CA | 96.93% | $628M |
| 33 | CTBC BANK CORP. (USA) | LOS ANGELES , CA | 96.74% | $5.4B |
| 34 | OPEN BANK | LOS ANGELES , CA | 96.38% | $2.7B |
| 35 | HANMI BANK | LOS ANGELES , CA | 96.30% | $7.8B |
| 36 | US METRO BANK | GARDEN GROVE , CA | 95.60% | $1.6B |
| 37 | COMMUNITY VALLEY BANK | EL CENTRO , CA | 95.52% | $325M |
| 38 | PREFERRED BANK | LOS ANGELES , CA | 95.38% | $7.7B |
| 39 | CALIFORNIA BUSINESS BANK | IRVINE , CA | 95.32% | $122M |
| 40 | PACIFIC ALLIANCE BANK | SAN GABRIEL , CA | 95.27% | $451M |
| 41 | BANK OF SAN FRANCISCO | SAN FRANCISCO , CA | 95.08% | $768M |
| 42 | MEGA BANK | SAN GABRIEL , CA | 94.82% | $515M |
| 43 | NEIGHBORHOOD NATIONAL BANK | EL CAJON , CA | 94.49% | $230M |
| 44 | AMERICAN CONTINENTAL BANK | CITY OF INDUSTRY , CA | 94.25% | $379M |
| 45 | EH National Bank | Beverly Hills , CA | 94.21% | $302M |
| 46 | FIVE STAR BANK | ROSEVILLE , CA | 94.04% | $5.0B |
| 47 | METROPOLITAN BANK | OAKLAND , CA | 93.66% | $232M |
| 48 | BANK OF HOPE | LOS ANGELES , CA | 93.44% | $18.7B |
| 49 | SUMMIT BANK | OAKLAND , CA | 93.41% | $270M |
| 50 | ENDEAVOR BANK | SAN DIEGO , CA | 93.09% | $805M |
| 51 | POPPY BANK | SANTA ROSA , CA | 92.72% | $7.8B |
| 52 | UNIVERSAL BANK | WEST COVINA , CA | 92.15% | $373M |
| 53 | BANK IRVINE | IRVINE , CA | 91.41% | $307M |
| 54 | BANC OF CALIFORNIA | LOS ANGELES , CA | 91.25% | $34.6B |
| 55 | BENEFICIAL STATE BANK | OAKLAND , CA | 91.10% | $2.0B |
| 56 | UNITED PACIFIC BANK | CITY OF INDUSTRY , CA | 91.08% | $187M |
| 57 | FFB BANK | FRESNO , CA | 91.02% | $1.6B |
| 58 | PACIFIC COAST BANKERS' BANK | WALNUT CREEK , CA | 90.97% | $1.1B |
| 59 | BEACON BUSINESS BANK, NATIONAL ASSOCIATION | SAN FRANCISCO , CA | 90.19% | $168M |
| 60 | CALPRIVATE BANK | LA JOLLA , CA | 90.14% | $2.7B |
| 61 | SUMMIT STATE BANK | SANTA ROSA , CA | 90.04% | $996M |
| 62 | WEST COAST COMMUNITY BANK | SANTA CRUZ , CA | 89.63% | $2.9B |
| 63 | HCN BANK | RIVERSIDE , CA | 89.58% | $974M |
| 64 | FREMONT BANK | FREMONT , CA | 89.36% | $5.9B |
| 65 | UNITED BUSINESS BANK | WALNUT CREEK , CA | 88.72% | $2.6B |
| 66 | GBC INTERNATIONAL BANK | LOS ANGELES , CA | 88.54% | $677M |
| 67 | UNITED SECURITY BANK | FRESNO , CA | 88.47% | $1.2B |
| 68 | MISSION BANK | BAKERSFIELD , CA | 88.32% | $1.9B |
| 69 | CALIFORNIA BANK OF COMMERCE, NATIONAL ASSOCIATION | SAN DIEGO , CA | 88.08% | $4.0B |
| 70 | COMMONWEALTH BUSINESS BANK | LOS ANGELES , CA | 86.96% | $2.0B |
| 71 | AMERICAN RIVIERA BANK | SANTA BARBARA , CA | 86.70% | $1.4B |
| 72 | CITY NATIONAL BANK | LOS ANGELES , CA | 85.74% | $99.9B |
| 73 | PLUMAS BANK | QUINCY , CA | 84.65% | $2.2B |
| 74 | RIVER CITY BANK | SACRAMENTO , CA | 84.61% | $6.0B |
| 75 | EAST WEST BANK | PASADENA , CA | 84.14% | $82.5B |
| 76 | BANK OF THE SIERRA | PORTERVILLE , CA | 84.11% | $3.8B |
| 77 | TRI COUNTIES BANK | CHICO , CA | 84.11% | $9.9B |
| 78 | COMMUNITY BANK OF SANTA MARIA | SANTA MARIA , CA | 83.19% | $405M |
| 79 | Cornerstone Community Bank | Red Bluff , CA | 82.26% | $658M |
| 80 | Pacific Premier Bank, National Association | Irvine , CA | 81.66% | $17.8B |
| 81 | COMMERCIAL BANK OF CALIFORNIA | IRVINE , CA | 81.37% | $3.9B |
| 82 | COMMUNITY WEST BANK | FRESNO , CA | 81.05% | $3.7B |
| 83 | FIRST PACIFIC BANK | WHITTIER , CA | 80.78% | $490M |
| 84 | AMERICAN BUSINESS BANK | LOS ANGELES , CA | 79.32% | $4.4B |
| 85 | REDWOOD CAPITAL BANK | EUREKA , CA | 79.20% | $543M |
| 86 | C3BANK, NATIONAL ASSOCIATION | ENCINITAS , CA | 78.53% | $883M |
| 87 | MONTECITO BANK & TRUST | SANTA BARBARA , CA | 77.58% | $2.0B |
| 88 | LEGACY BANK | MURRIETA , CA | 77.46% | $111M |
| 89 | BANK OF AMERICA CALIFORNIA, NATIONAL ASSOCIATION | SAN FRANCISCO , CA | 77.10% | $15.1B |
| 90 | MECHANICS BANK | WALNUT CREEK , CA | 75.94% | $21.4B |
| 91 | Heritage Bank of Commerce | San Jose , CA | 74.70% | $5.7B |
| 92 | GENESIS BANK | NEWPORT BEACH , CA | 74.22% | $406M |
| 93 | First Foundation Bank | Irvine , CA | 73.83% | $11.3B |
| 94 | SAVINGS BANK OF MENDOCINO COUNTY | UKIAH , CA | 72.32% | $1.3B |
| 95 | CITIZENS BUSINESS BANK, NATIONAL ASSOCIATION | ONTARIO , CA | 72.01% | $15.5B |
| 96 | COMMERCEWEST BANK | IRVINE , CA | 71.05% | $1.2B |
| 97 | FARMERS AND MERCHANTS BANK OF LONG BEACH | LONG BEACH , CA | 70.81% | $11.9B |
| 98 | FARMERS & MERCHANTS BANK OF CENTRAL CALIFORNIA | LODI , CA | 70.63% | $5.8B |
| 99 | BAC COMMUNITY BANK | STOCKTON , CA | 69.58% | $780M |
| 100 | PINNACLE BANK | MORGAN HILL , CA | 68.84% | $946M |
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All data sourced from the most recent FFIEC call report filings, refreshed quarterly within 48 hours of FFIEC release. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.
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