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
Unfavorable gap of $20.9M · efficiency ratio beats 52% 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 | 0.85% | 0.72% | 1.06% | 1.45% | Beats 35% | 485 / 746 | |
| Return on Equity | 8.45% | 6.74% | 10.51% | 13.63% | Beats 37% | 470 / 746 | |
| Net Interest Margin | 4.13% | 3.17% | 3.68% | 4.16% | Beats 74% | 197 / 746 | |
| Efficiency Ratio | 64.08% | 55.74% | 64.58% | 75.47% | Beats 52% | 362 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.09% | 0.42% | 1.07% | Beats 75% | 188 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 14.36% | 11.55% | 13.75% | 17.60% | Beats 55% | 332 / 746 | |
| Total Risk-Based Capital Ratio | 15.61% | 11.71% | 14.33% | 18.43% | Beats 60% | 298 / 746 | |
| Equity / Assets | 10.06% | 8.90% | 10.51% | 13.06% | Beats 44% | 420 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 93.94% | 61.31% | 78.27% | 90.78% | 81st pctl | 140 / 746 | |
| Loans / Assets | 80.57% | 53.60% | 66.97% | 76.08% | 86th pctl | 101 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |