Bank of Stockton
Bank of Stockton reported total assets of $5.0 bn at Q2 2026, up 7.6% on a year earlier, the 286th largest of 497 banks in our US coverage. The CET1 capital ratio at Bank of Stockton was 18.81%, and the uninsured share of Bank of Stockton was 45.23%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), Bank of Stockton climbed from 115th to 10th among 500 US banks between and (1 = highest; FDIC Call Reports).
- Bank of Stockton has one of the highest return on assets (ROA) readings among banks of $1 bn to $10 bn: 6.08% at , against a median of 1.32% across 339 banks (FDIC Call Reports).
- At 19.95%, the tier 1 leverage ratio of Bank of Stockton sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 10.45% (FDIC Call Reports).
What sets Bank of Stockton apart
- Few banks of $1 bn to $10 bn report a higher return on equity (ROE) than Bank of Stockton, at 32.23% in against a group median of 12.68%.
- Bank of Stockton reports one of the lowest noncurrent loans to total loans readings among banks of $1 bn to $10 bn: 0.08% at , where the median of the 339 banks is 0.58%.
- The loan-to-deposit ratio of Bank of Stockton, 63.24% at , places Bank of Stockton in the bottom tenth of banks of $1 bn to $10 bn (group median 88.61%).
How large is Bank of Stockton?
The balance sheet of Bank of Stockton at : assets $5.0 bn, deposits $3.8 bn, net loans $2.4 bn (loans equal to 63.24% of deposits). Securities make up 40.7% of total assets at Bank of Stockton. Since , when Bank of Stockton held $2.6 bn, its assets grew 88.9%. In the year to , deposits at Bank of Stockton rose 3.4% while its total assets rose 7.6%. At , Bank of Stockton employed 415 full-time equivalent staff across 21 offices, about $12.0 mn of assets per employee and $180.8 mn of deposits per office.
How much funding at Bank of Stockton is uninsured?
At Bank of Stockton, uninsured deposits (above the FDIC limit) made up 45.23% of domestic deposits at (+1.24 pp on a year earlier); Bank of Stockton ranks 135th of 500 on this measure. In dollars, Bank of Stockton estimated $1.7 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.8 bn | +3.4% | 298th of 499 |
| Net loans and leases | $2.4 bn | +4.2% | 383rd of 500 |
| Loan-to-deposit ratio | 63.24% | +0.48 pp | 447th of 500 |
| Tier 1 leverage ratio | 19.95% | +1.93 pp | 8th of 500 |
| Total risk-based capital ratio | 20.07% | +0.89 pp | 38th of 448 |
| Net interest margin | 3.72% | +0.43 pp | 221st of 500 |
| Return on assets (ROA) | 6.08% | +3.52 pp | 2nd of 500 |
| Efficiency ratio | 47.56% | -5.01 pp | 110th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $32.4 mn | Narrowed by $11.0 mn | |
| Noncurrent loans to total loans | 0.08% | -0.12 pp | 29th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.05% | +0.02 pp | 191st of 500 (1 = lowest) |
US rank of Bank of Stockton: 1 = highest unless marked 1 = lowest.
Balance sheet
Bank of Stockton: assets, deposits and loans
- Total assets $5.0bn
- Deposits $3.8bn
- Net loans $2.4bn
Capital and securities
The CET1 ratio of Bank of Stockton stood at 18.81% in , +0.89 pp year on year. Low and high at Bank of Stockton since : 9.27% () to 18.81% (). Equity capital of Bank of Stockton at : $975.6 mn, or 19.5% of total assets. Bank of Stockton also reported a total capital ratio of 20.07% for , and a tier 1 leverage ratio of 19.95%.
The available-for-sale portfolio of Bank of Stockton showed an unrealized loss of $32.4 mn at ; the loss narrowed by $11.0 mn over the year.
Bank of Stockton: capital ratios
- Total capital 20%
- CET1 19%
- Tier 1 leverage 20%
Bank of Stockton: unrealized securities gains and losses
- Available for sale -$32mn
- Held to maturity $0
Profitability and loan quality
For the year to , Bank of Stockton earned a return on equity of 32.23%; return on assets: 6.08%. Net interest margin at Bank of Stockton: 3.72%, +0.43 pp in a year. Bank of Stockton net income: $147.9 mn, up 154.2% year on year. The efficiency ratio of Bank of Stockton was 47.56%: about 48 cents cost per revenue dollar, against 53 cents at the median peer.
At , noncurrent loans were 0.08% of total loans at Bank of Stockton; net charge-offs: 0.05% of average loans. Gross loans and leases at Bank of Stockton: $2.5 bn, up 4.1% in a year.
Bank of Stockton: profitability
- Return on equity 32%
- Net interest margin 3.7%
- Return on assets 6.1%
Peer group of Bank of Stockton
The peer group of Bank of Stockton is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Bank of Stockton (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in California. Against them, Bank of Stockton shows CET1 ratio 18.81% against a peer median of 13.15%, return on equity 32.23% against a peer median of 14.79% and uninsured deposit share 45.23% against a peer median of 37.33%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Vantage Bank Texas | State member bank | TX | $5.1 bn | 10.13% | 18.91% | 48.74% | |
| First National Bank Alaska | National bank | AK | $5.1 bn | 18.52% | 14.56% | 38.98% | |
| Community Bank of Mississippi | State nonmember bank | MS | $5.1 bn | 13.15% | 13.33% | 35.68% | |
| Bank of Stockton | State nonmember bank | CA | $5.0 bn | 18.81% | 32.23% | 45.23% | |
| John Deere Financial, f.s.b. | Federal savings bank | WI | $4.9 bn | not reported | 15.03% | 100.00% | |
| Dacotah Bank | State member bank | SD | $4.9 bn | 11.27% | 11.27% | 33.47% | |
| Carter Bank & Trust | State member bank | VA | $4.8 bn | 14.34% | 37.13% | 17.71% | |
. FDIC Call Reports.
Last eight quarters
Two years at Bank of Stockton, to : assets +13.5%, deposits +8.5%, equity +26.8%. Staff 430 to 415; offices 20 to 21.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.4 bn | $4.4 bn | $4.6 bn | $4.6 bn | $4.7 bn | $4.8 bn | $4.8 bn | $5.0 bn |
| Total deposits | $3.5 bn | $3.6 bn | $3.6 bn | $3.7 bn | $3.7 bn | $3.7 bn | $3.8 bn | $3.8 bn |
| Bank equity capital | $769.6 mn | $761.5 mn | $820.0 mn | $825.7 mn | $884.1 mn | $880.0 mn | $897.9 mn | $975.6 mn |
| CET1 ratio | 17.17% | 17.37% | 17.93% | 17.92% | 18.32% | 18.10% | 18.02% | 18.81% |
| Return on equity (ROE) | 16.09% | 11.17% | 25.15% | 14.50% | 17.44% | 13.01% | 24.72% | 32.23% |
| Uninsured share of domestic deposits | 42.20% | 43.24% | 42.62% | 43.99% | 43.97% | 44.92% | 44.22% | 45.23% |
| Full-time equivalent employees | 430 | 428 | 429 | 415 | 410 | 414 | 409 | 415 |
| Number of offices | 20 | 21 | 21 | 21 | 21 | 21 | 21 | 21 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Bank of Stockton appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Bank of Stockton?
Bank of Stockton reported $5.0 bn at in its Call Report. That makes Bank of Stockton the 286th largest of 497 banks in our US coverage.
Is Bank of Stockton the same as its holding company?
No. This page covers Bank of Stockton, FDIC certificate 1536; 1867 WESTERN FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Bank of Stockton profitable?
Bank of Stockton reported net income of $147.9 mn for the year to ; annualized return on equity: 32.23%. So yes: Bank of Stockton made a profit over these months.
When is data for Bank of Stockton next updated?
Figures from Bank of Stockton for are due after .
Where can I check the figures for Bank of Stockton?
In the FDIC BankFind Suite record for certificate 1536, and in the Call Reports of Bank of Stockton (RSSD ID 479268) at the FFIEC Central Data Repository.