Home Bank of California
San Diego, CA · Cert 26271 · Peer group: banks under $1B in assets operating in a single state (n=751-755)
State charter, non-member · FDIC · 1 branch
Q2 2026
$255.4MAssets
$235.3MLoans
$192.2MDeposits
$31.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 108 of 751).
- Widest gap: total risk-based capital ratio trails 70% of banks under $1B in assets operating in a single state (rank 529 of 755).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.88%
Rank 67 of 755
Net Interest Margin
4.39%
Rank 122 of 755
Efficiency Ratio
46.23%
Rank 69 of 755
Equity / Assets
12.26%
Rank 231 of 755
Non-interest income vs. expense
Unfavorable gap of $5.1M · efficiency ratio beats 91% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.88% | 0.72% | 1.06% | 1.45% | Beats 91% | 67 / 755 | |
| Return on Equity | 15.35% | 6.66% | 10.44% | 13.61% | Beats 85% | 116 / 755 | |
| Net Interest Margin | 4.39% | 3.15% | 3.68% | 4.17% | Beats 84% | 122 / 755 | |
| Efficiency Ratio | 46.23% | 55.75% | 64.78% | 75.61% | Beats 91% | 69 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.05% | Beats 100% | 108 / 751 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 12.27% | 11.56% | 13.81% | 17.74% | Beats 34% | 500 / 755 | |
| Total Risk-Based Capital Ratio | 12.27% | 11.72% | 14.46% | 18.53% | Beats 30% | 529 / 755 | |
| Equity / Assets | 12.26% | 8.93% | 10.56% | 13.13% | Beats 69% | 231 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 122.43% | 62.43% | 78.62% | 91.00% | 98th pctl | 12 / 755 | |
| Loans / Assets | 92.11% | 54.70% | 67.27% | 76.55% | 99th pctl | 4 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |