Home Bank of California
Total assets
$255.4M
▲ +1.8% YoY
Deposits
$192.2M
▼ -6.4% YoY
Loans
$233.0M
▲ +3.4% YoY
Offices
1
ROA (annualized)
2.34%
peers 1.24%
ROE (annualized)
19.20%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +4.4% | -2.6 pts |
| Deposit growth (YoY) | -6.4% | +4.0% | -10.4 pts |
| Loan growth (YoY) | +3.4% | +5.6% | -2.1 pts |
| ROA | 2.34% | 1.24% | +1.1 pts |
| ROE | 19.2% | 11.9% | +7.3 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
Profile
- Established
- 1981
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 4493 Ruffin Rd, San Diego, CA, 92123
- County
- San Diego
- Metro area
- San Diego-Chula Vista-Carlsbad, CA
- Offices
- 1
- FDIC cert #
- 26271
- RSSD ID
- 118660
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $255.4M | $192.2M | $233.0M | $31.3M | $3.0M | 2.34% | 4.54% | 0.00% |
| Q1 2026 | $254.9M | $193.2M | $233.2M | $29.9M | $1.2M | 1.96% | 4.51% | 0.00% |
| Q4 2025 | $246.7M | $195.6M | $225.7M | $31.1M | $5.6M | 2.23% | 4.30% | 0.00% |
| Q3 2025 | $254.1M | $197.4M | $232.8M | $31.1M | $4.1M | 2.17% | 4.26% | 0.00% |
| Q2 2025 | $250.9M | $205.3M | $225.2M | $31.0M | $2.4M | 1.93% | 4.16% | 0.02% |
| Q1 2025 | $253.8M | $204.6M | $229.5M | $29.7M | $903K | 1.46% | 4.05% | 0.00% |
| Q4 2024 | $240.1M | $189.1M | $220.1M | $29.3M | $3.8M | 1.61% | 4.20% | 0.00% |
| Q3 2024 | $240.2M | $195.1M | $213.5M | $29.3M | $2.6M | 1.43% | 4.24% | 0.00% |
Loan mix (Q2 2026): real estate $225.4M · commercial $11.2M · consumer $0 · securities $208K
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Home Bank of California | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.34% | 1.24% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 19.2% | 11.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.96% | 79th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.2% | 62.9% | 10th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Home Bank of California | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Home Bank of California | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Home Bank of California | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Home Bank of California | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar banks
- Pacific Alliance BankSan Gabriel, CA · $454.4M
- Astra BankScandia, KS · $423.3M
- River City BankRome, GA · $423.4M
- Heritage Bank of the OzarksLebanon, MO · $424.0M
- First State BankBuxton, ND · $424.2M
- Sugar River BankNewport, NH · $424.3M
Selling to Home Bank of California?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.