Home Bank of California
San Diego, CA · Cert 26271 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
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 105 of 743).
- Widest gap: total risk-based capital ratio trails 69% of banks under $1B in assets operating in a single state (rank 518 of 746).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.88%
Rank 62 of 746
Net Interest Margin
4.39%
Rank 121 of 746
Efficiency Ratio
46.23%
Rank 63 of 746
Equity / Assets
12.26%
Rank 225 of 746
Non-interest income vs. expense
Unfavorable gap of $5.1M · efficiency ratio beats 92% 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 92% | 62 / 746 | |
| Return on Equity | 15.35% | 6.74% | 10.51% | 13.63% | Beats 85% | 112 / 746 | |
| Net Interest Margin | 4.39% | 3.17% | 3.68% | 4.16% | Beats 84% | 121 / 746 | |
| Efficiency Ratio | 46.23% | 55.74% | 64.58% | 75.47% | Beats 92% | 63 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 12.27% | 11.55% | 13.75% | 17.60% | Beats 34% | 491 / 746 | |
| Total Risk-Based Capital Ratio | 12.27% | 11.71% | 14.33% | 18.43% | Beats 31% | 518 / 746 | |
| Equity / Assets | 12.26% | 8.90% | 10.51% | 13.06% | Beats 70% | 225 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 122.43% | 61.31% | 78.27% | 90.78% | 99th pctl | 10 / 746 | |
| Loans / Assets | 92.11% | 53.60% | 66.97% | 76.08% | 99th pctl | 5 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |