PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

3.97%Q2 ’244.27%Q2 ’254.61%Q2 ’26+7%+15%

Non-interest income vs. expense

1.89%Q2 ’242.02%Q2 ’252.08%Q2 ’26+9%-10%

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 7.57%, up 683 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.08% of loans (-12 bps YoY), with net charge-offs at 0.00%.
  • 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 (quarter, annualized)

7.57%1+683 bps YoY

Net Interest Margin (quarter, annualized)

3.62%+48 bps YoY

Efficiency Ratio (quarter, annualized)

47.39%-686 bps YoY

Tier 1 Leverage Ratio

19.95%+193 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%4.22%10.07%4.57%17.57%1+683 bps
Return on Equity4.12%23.13%0.40%24.72%39.71%+3,559 bps
Net Interest Margin3.14%3.23%3.36%3.41%3.62%+48 bps
Efficiency Ratio54.25%51.05%56.71%47.75%47.39%-686 bps
Non-Interest Burden1.41%1.33%1.63%1.29%1.28%-14 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 / Loans0.04%0.09%0.01%0.10%0.00%-4 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