PackageTrendsPeer
Letter portraitLegal landscape

Bank of San Francisco

San Francisco, CA · Cert 58069

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

53

Q2 2024Q2 2026peer median (50)

Asset Quality

88

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

29

Q2 2024Q2 2026peer median

Efficiency

52

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of San Francisco

San Francisco, CA · Cert 58069

State charter, non-member · FDIC · 2 branches

Q2 2026

$863.6MAssets
$695.8MLoans
$740.7MDeposits
$86.9MEquity
Loan mix
90%RE $572.1M10%C&I $63.1M0%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
67%Interest-bearing $497.1M33%Noninterest $243.6MQ2 2025Q2 2026

NIM

5.11%Q2 ’245.08%Q2 ’255.23%Q2 ’26+12%+3%

Non-interest income vs. expense

2.40%Q2 ’242.74%Q2 ’252.69%Q2 ’26+21%-2%

Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.1% share · #30 of 69 inst. · $0.7B of $513.2B

Executive Summary

  • Earnings: ROA of 0.93%, up 8 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.09% of loans (-11 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.92%, down 91 bps from a year ago.
  • Funding: loans stand at 93.94% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.93%+8 bps YoY

Net Interest Margin (YTD, annualized)

4.13%+13 bps YoY

Efficiency Ratio (YTD, annualized)

64.08%-325 bps YoY

Tier 1 Leverage Ratio

10.92%-91 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.93%1.01%1.07%0.93%+8 bps
Return on Equity7.11%7.83%8.60%9.58%8.64%+153 bps
Net Interest Margin4.00%3.95%3.88%4.34%4.13%+13 bps
Efficiency Ratio67.33%64.80%63.60%63.24%64.08%-325 bps
Non-Interest Burden2.66%2.53%2.44%2.72%2.62%-4 bps
Growth
Asset Growth (YoY)9.51%9.62%19.11%20.13%28.52%+1,901 bps
Loan Growth (YoY)7.12%12.00%22.65%20.01%26.30%+1,918 bps
Deposit Growth (YoY)9.07%9.17%20.13%21.04%27.22%+1,815 bps
Asset Quality
Nonperforming Loans / Loans0.20%0.18%0.11%0.13%0.09%-11 bps
Net Charge-Offs / Loans0.00%0.00%-0.01%0.00%0.00%0 bps
Allowance / Loans1.32%1.29%1.23%1.22%1.19%-12 bps
Allowance Coverage of NPLs6.5x7.3x11.5x9.3x13.2x+6.7x
Capital
Tier 1 Leverage Ratio11.83%11.54%11.16%11.27%10.92%-91 bps
Total Risk-Based Capital18.93%18.37%17.39%16.84%15.61%-332 bps
Equity / Assets11.69%11.54%11.33%11.09%10.06%-163 bps
Liquidity & Funding
Loans / Deposits94.62%95.95%97.72%95.08%93.94%-68 bps
Liquid Assets / Assets11.69%10.62%8.30%11.07%13.72%+203 bps
CRE / Total Capitaln/a266%295%300%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of San Francisco

San Francisco, CA · Cert 58069 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, non-member · FDIC · 2 branches

Q2 2026

$863.6MAssets
$695.8MLoans
$740.7MDeposits
$86.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: return on assets trails 65% of banks under $1B in assets operating in a single state (rank 485 of 746).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.85%

Rank 485 of 746

Net Interest Margin

4.13%

Rank 197 of 746

Efficiency Ratio

64.08%

Rank 362 of 746

Equity / Assets

10.06%

Rank 420 of 746

Non-interest income vs. expense

$0.6M$21.5MINCOMEEXPENSE
Unfavorable gap of $20.9M · efficiency ratio beats 52% of banks under $1B in assets operating in a single state
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.85%0.72%1.06%1.45%Beats 35%485 / 746
Return on Equity8.45%6.74%10.51%13.63%Beats 37%470 / 746
Net Interest Margin4.13%3.17%3.68%4.16%Beats 74%197 / 746
Efficiency Ratio64.08%55.74%64.58%75.47%Beats 52%362 / 746
Asset Quality
Nonperforming Loans / Loans0.09%0.09%0.42%1.07%Beats 75%188 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio14.36%11.55%13.75%17.60%Beats 55%332 / 746
Total Risk-Based Capital Ratio15.61%11.71%14.33%18.43%Beats 60%298 / 746
Equity / Assets10.06%8.90%10.51%13.06%Beats 44%420 / 746
Liquidity & Funding
Loans / Deposits93.94%61.31%78.27%90.78%81st pctl140 / 746
Loans / Assets80.57%53.60%66.97%76.08%86th pctl101 / 746
Brokered Deposits / Depositsn/aNot reported for this institution