Bank of Stockton: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
The bank currently ranks second on the US Banks with Highest Return on Assets (ROA) leaderboard. Bank of Stockton is an FDIC-insured commercial bank. As of Q2 2026, the bank held approximately $5.0B in total assets and $3.8B in deposits. The bank posts a strong 7.63% ROA and 39.71% ROE. Capital cushions are healthy: 18.81% CET1, 19.95% Tier 1 leverage. Asset quality is pristine, 0.08% NPLs and a 0.20% Texas Ratio. Its footprint covers 21 branches concentrated in California.
As of June 30, 2026, Bank of Stockton reported a CET1 capital ratio of 18.81%, a return on assets of 7.63%, a nonperforming-loan ratio of 0.08%, a Texas ratio of 0.20%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 301 E Miner Ave, Stockton, CA 95202
- County
- San Joaquin
- Metro Area
- Stockton-Lodi, 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
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- August 12, 1867
- Offices
- 21 domestic
- Employees (FTE)
- 415
- Domestic deposits
- $3.80B
- Allowance for credit losses
- $79.2M
- Net charge-offs (YTD)
- $611K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1536
- Fed RSSD
- 479268
- SEC CIK
- 840663 → filed by 1867 WESTERN FINANCIAL CORPORATION
- Website
- www.bankofstockton.com →
- Parent Holding Company
- 1867 WESTERN FINANCIAL CORPORATION (RSSD 1399765)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bank of Stockton terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank of Stockton, freeBank of Stockton rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Bank of Stockton: ROA, Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.81% | 7.63% | 0.08% | 0.20% | 3.75% |
| Q1 2026 | 18.02% | 4.57% | 0.09% | 0.22% | 3.53% |
| Q4 2025 | 18.10% | 0.07% | 0.08% | 0.21% | 3.49% |
| Q3 2025 | 18.32% | 4.21% | 0.08% | 0.20% | 3.35% |
| Q2 2025 | 17.92% | 0.74% | 0.20% | 0.55% | 3.26% |
| Q1 2025 | 17.93% | 4.37% | 0.23% | 0.63% | 3.09% |
| Q4 2024 | 17.37% | -0.44% | 0.16% | 0.48% | 3.06% |
| Q3 2024 | 17.17% | 5.21% | 0.14% | 0.40% | 3.11% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 21 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Stockton (main office) | Stockton , CA | 95202 | $723.5M |
| Lodi Branch | Lodi , CA | 95240 | $345.3M |
| Manteca Branch | Manteca , CA | 95336 | $307.6M |
| Modesto Branch | Modesto , CA | 95354 | $300.4M |
| Ripon Branch | Ripon , CA | 95366 | $293.7M |
| Carson Oaks Branch | Stockton , CA | 95207 | $269.3M |
| Tracy Branch | Tracy , CA | 95376 | $184.6M |
| Quail Lakes Delta Branch | Stockton , CA | 95207 | $182.5M |
| Golden State Branch | Turlock , CA | 95380 | $179.0M |
| Angels Camp Branch | Angels Camp , CA | 95222 | $135.9M |
| Washington and Church | Sonora , CA | 95370 | $127.8M |
| Pine Grove Branch | Pine Grove , CA | 95665 | $115.3M |
| Rio Vista Branch | Rio Vista , CA | 94571 | $111.2M |
| Oakdale Branch | Oakdale , CA | 95361 | $111.0M |
| Elk Grove Commerce Bank, A Division of Bank of Stockton | Elk Grove , CA | 95758 | $102.8M |
| Dale Road Branch | Modesto , CA | 95356 | $72.8M |
| Fairfield Branch | Fairfield , CA | 94534 | $60.4M |
| Napa Branch | Napa , CA | 94559 | $54.1M |
| Lone Tree Way Branch | Brentwood , CA | 94513 | $48.0M |
| Kettleman Lane Branch | Lodi , CA | 95240 | $45.1M |
| Dixon Branch | Dixon , CA | 95620 | $26.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 18, 2003 | M&A | merger | SEC |
| November 18, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 18, 2003 | Structure Change | Acquired Modesto Commerce Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 12, 1990 | M&A | failure_government_assistance_provided | SEC |
| May 12, 1990 | Structure Change | Acquired Royal Oak Savings and Loan Association Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| May 11, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1980 | M&A | merger | SEC |
| October 1, 1980 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1980 | Structure Change | Acquired Mid-Cal National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 9 events.
Regulatory record
What the public regulatory sources show for Bank of Stockton, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in CA, rank 42 of 171 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 297 applications, 178 loans originated, $61.4M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Bank of Stockton’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Bank of Stockton with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Bank of Stockton
What are Bank of Stockton's total assets?
As of the Q2 2026 filing, Bank of Stockton reported total assets of $4.99 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Stockton headquartered?
Bank of Stockton is headquartered in Stockton, CA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank of Stockton founded?
Bank of Stockton was established in 1867, per the FDIC institution directory.
Is Bank of Stockton FDIC-insured?
Yes. Bank of Stockton is an FDIC-insured commercial bank (FDIC Certificate #1536). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Stockton?
Bank of Stockton's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of Stockton's CET1 capital ratio?
Bank of Stockton reported a Common Equity Tier 1 (CET1) capital ratio of 18.81% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Stockton operate?
Bank of Stockton operates 21 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Stockton's Texas Ratio?
Bank of Stockton's Texas Ratio is 0.20% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on Bank of Stockton.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Bank of Stockton, freeFree account