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Bank of Stockton

Stockton, CA · Cert 1536 · 1867 Western Financial Corp.

State charter, non-member · FDIC · 21 branches

Q2 2026

$5.0BAssets
$2.5BLoans
$3.8BDeposits
$975.6MEquity
Loan mix
80%RE $1.9B10%C&I $0.2B9%Consumer $0.2BQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $2.7B28%Noninterest $1.1BQ2 2025Q2 2026

NIM

3.92%Q2 ’244.15%Q2 ’254.49%Q2 ’26+6%+15%

Non-interest income vs. expense

1.81%Q2 ’241.89%Q2 ’251.98%Q2 ’26+6%-2%

Market Position · Stockton-Lodi, CA · 2026 SOD (annual) · 15.0% share · #3 of 15 inst. · $2.4B of $15.7B

15.0% San Joaquin
5.8% Stanislaus
3.0% Solano
19.0% Calaveras

Executive Summary

  • Earnings: ROA of 6.08%, up 352 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.08% of loans (-12 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 19.95%, up 193 bps from a year ago.
  • Funding: loans stand at 65.33% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

6.08%1+352 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+45 bps YoY

Efficiency Ratio (YTD, annualized)

47.56%-501 bps YoY

Tier 1 Leverage Ratio

19.95%+193 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.56%13.12%12.34%4.57%16.08%1+352 bps
Return on Equity14.50%17.44%13.01%24.72%32.23%+1,773 bps
Net Interest Margin3.04%3.06%3.09%3.41%3.49%+45 bps
Efficiency Ratio52.57%52.04%53.30%47.75%47.56%-501 bps
Non-Interest Burden1.31%1.30%1.36%1.29%1.28%-3 bps
Growth
Asset Growth (YoY)7.42%7.79%7.52%6.24%7.62%+20 bps
Loan Growth (YoY)4.21%1.38%4.11%4.15%4.09%-12 bps
Deposit Growth (YoY)4.25%5.68%5.01%4.73%3.36%-89 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.08%0.08%0.09%0.08%-12 bps
Net Charge-Offs / Loans0.03%0.05%0.04%0.10%0.05%+2 bps
Allowance / Loans3.25%3.25%3.23%3.22%3.19%-6 bps
Allowance Coverage of NPLs16.3x42.2x40.4x37.7x39.2x+22.9x
Capital
Tier 1 Leverage Ratio18.02%18.72%18.12%18.55%19.95%+193 bps
Total Risk-Based Capital19.17%19.57%19.35%19.27%20.07%+89 bps
Equity / Assets17.79%18.64%18.42%18.57%19.53%+174 bps
Liquidity & Funding
Loans / Deposits64.87%64.79%66.08%65.41%65.33%+46 bps
Liquid Assets / Assets4.42%3.32%2.75%3.66%5.04%+62 bps
CRE / Total Capitaln/a148.52%157.30%156.33%n/an/a