Bank of Stockton
Stockton, CA · Cert 1536 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · 1867 Western Financial Corp.
State charter, non-member · FDIC · 21 branches
Q2 2026
$5.0BAssets
$2.5BLoans
$3.8BDeposits
$975.6MEquity
Executive Summary
- Strongest standing: return on assets outperforms 99% of banks $1B-$10B in assets operating in a single state (rank 3 of 258).
- Widest gap: net charge-offs / loans trails 64% of banks $1B-$10B in assets operating in a single state (rank 166 of 258).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
5.92%
Rank 3 of 258
Net Interest Margin
3.49%
Rank 129 of 258
Efficiency Ratio
47.56%
Rank 39 of 257
Equity / Assets
19.53%
Rank 7 of 258
Non-interest income vs. expense
Unfavorable gap of $62.2M · efficiency ratio beats 85% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 5.92% | 0.93% | 1.23% | 1.54% | Beats 99% | 3 / 258 | | |
| Return on Equity | 30.33% | 9.26% | 11.84% | 14.74% | Beats 98% | 6 / 258 | | |
| Net Interest Margin | 3.49% | 3.16% | 3.49% | 3.88% | Beats 50% | 129 / 258 | | |
| Efficiency Ratio | 47.56% | 51.71% | 60.30% | 69.65% | Beats 85% | 39 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.19% | 0.46% | 0.90% | Beats 90% | 27 / 258 | | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.02% | 0.07% | Beats 36% | 166 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 18.81% | 11.41% | 12.98% | 15.12% | Beats 91% | 23 / 258 | | |
| Total Risk-Based Capital Ratio | 20.07% | 12.10% | 13.91% | 16.08% | Beats 91% | 22 / 258 | | |
| Equity / Assets | 19.53% | 9.09% | 10.24% | 11.72% | Beats 97% | 7 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.33% | 73.24% | 86.34% | 95.95% | 12th pctl | 227 / 258 | | |
| Loans / Assets | 49.67% | 63.01% | 72.27% | 78.40% | 6th pctl | 243 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |