California bank rankings, Q2 2026
115 FDIC-insured banks are headquartered in California, holding $565.05B in combined assets as of Q2 2026. The median bank has $1.17B in assets, earns a 1.08% return on assets, and runs a 59.89% efficiency ratio.
Highest return on assets among community banks
- First Credit Bank Los Angeles 4.37%
- Murphy Bank Fresno 2.46%
- Home Bank of California San Diego 2.34%
- First General Bank Rowland Heights 2.31%
- HCN Bank Riverside 2.22%
- West Coast Community Bank Santa Cruz 2.02%
- CalPrivate Bank La Jolla 2.02%
- California Pacific Bank Hayward 1.90%
- American Plus Bank, N.A. Arcadia 1.81%
- Plumas Bank Quincy 1.80%
Most efficient community banks (lowest efficiency ratio)
- SMBC MANUBANK Los Angeles 16.50%
- First Credit Bank Los Angeles 24.19%
- Malaga Bank F.S.B. Palos Verdes Peninsula 29.04%
- River City Bank Sacramento 30.55%
- First General Bank Rowland Heights 31.65%
- American Plus Bank, N.A. Arcadia 31.84%
- Five Star Bank Roseville 37.32%
- West Coast Community Bank Santa Cruz 39.38%
- CalPrivate Bank La Jolla 44.38%
- HCN Bank Riverside 44.90%
Top-ten lists include FDIC-designated community banks with at least $100M in assets; trust companies and specialty subsidiaries appear in the full table only.
Every California bank
| Bank | Assets | ROA | Efficiency | NIM |
|---|---|---|---|---|
| City National Bank Los Angeles | $99.10B | 0.97% | 65.81% | 3.24% |
| East West Bank Pasadena | $84.32B | 1.77% | 35.98% | 3.47% |
| Banc of California Los Angeles | $34.90B | -0.88% | 61.49% | 3.31% |
| Axos Bank San Diego | $28.87B | 2.16% | 42.30% | 4.69% |
| Cathay Bank Los Angeles | $24.64B | 1.55% | 40.18% | 3.48% |
| Mechanics Bank Walnut Creek | $21.25B | 0.99% | 58.78% | 3.71% |
| Citizens Business Bank, National Association Ontario | $21.18B | 1.18% | 51.52% | 3.66% |
| Bank of Hope Los Angeles | $18.99B | 0.74% | 63.42% | 2.98% |
| Bank of America California, National Association San Francisco | $14.81B | 0.77% | 42.96% | 1.78% |
| Farmers and Merchants Bank of Long Beach Long Beach | $11.77B | 0.97% | 60.58% | 2.76% |
| Tri Counties Bank Chico | $9.93B | 1.40% | 54.38% | 4.16% |
| First American Trust, FSB Santa Ana | $9.23B | 1.45% | 32.84% | 2.72% |
| Poppy Bank Santa Rosa | $8.32B | 1.29% | 43.18% | 3.29% |
| Hanmi Bank Los Angeles | $7.95B | 1.28% | 51.12% | 3.44% |
| Preferred Bank Los Angeles | $7.73B | 1.69% | 33.01% | 3.64% |
| Mizrahi Tefahot Bank, Ltd. Los Angeles | $7.39B | 0.00% | – | 0.00% |
| SMBC MANUBANK Los Angeles | $6.60B | -3.56% | 16.50% | 0.94% |
| River City Bank Sacramento | $6.04B | 1.26% | 30.55% | 2.48% |
| Fremont Bank Fremont | $5.97B | 1.15% | 73.37% | 4.09% |
| CTBC Bank Corp. (USA) Los Angeles | $5.87B | 0.87% | 59.20% | 2.97% |
| Farmers & Merchants Bank of Central California Lodi | $5.83B | 1.74% | 44.13% | 4.21% |
| Westamerica Bank San Rafael | $5.77B | 1.84% | 42.49% | 3.86% |
| Five Star Bank Roseville | $5.38B | 1.62% | 37.32% | 3.81% |
| Community West Bank Fresno | $5.02B | 0.88% | 59.36% | 4.79% |
| Bank of Stockton Stockton | $4.99B | 6.08% | 47.56% | 3.72% |
| American Business Bank Los Angeles | $4.42B | 1.46% | 46.95% | 4.00% |
| Royal Business Bank Los Angeles | $4.27B | 1.18% | 51.90% | 3.33% |
| California Bank of Commerce, National Association San Diego | $4.02B | 1.45% | 53.03% | 4.75% |
| Commercial Bank of California Irvine | $3.98B | 1.34% | 53.53% | 3.92% |
| Bank of Marin Novato | $3.86B | 1.02% | 60.95% | 3.54% |
| Bank of the Sierra Porterville | $3.72B | 1.33% | 54.86% | 3.69% |
| PCB Bank Los Angeles | $3.47B | 1.28% | 48.07% | 3.35% |
| Exchange Bank Santa Rosa | $3.19B | 0.91% | 67.31% | 3.24% |
| West Coast Community Bank Santa Cruz | $2.94B | 2.02% | 39.38% | 5.20% |
| Open Bank Los Angeles | $2.75B | 1.20% | 55.81% | 3.23% |
| CalPrivate Bank La Jolla | $2.71B | 2.02% | 44.38% | 5.22% |
| Avidbank San Jose | $2.65B | 1.35% | 51.63% | 4.28% |
| United Business Bank Walnut Creek | $2.56B | 0.12% | 82.84% | 4.05% |
| El Dorado Savings Bank, F.S.B. Placerville | $2.44B | 0.93% | 58.13% | 2.71% |
| Plumas Bank Quincy | $2.28B | 1.80% | 49.26% | 5.16% |
| Beneficial State Bank Oakland | $2.03B | 0.14% | 76.07% | 4.00% |
| Montecito Bank & Trust Santa Barbara | $2.02B | 0.60% | 81.23% | 3.91% |
| Mission Bank Bakersfield | $2.01B | 1.67% | 45.11% | 4.44% |
| Oak Valley Community Bank Oakdale | $2.00B | 1.11% | 64.00% | 4.08% |
| Commonwealth Business Bank Los Angeles | $1.97B | 1.09% | 56.65% | 3.14% |
| First Northern Bank of Dixon Dixon | $1.93B | 1.13% | 58.49% | 3.80% |
| US Metro Bank Garden Grove | $1.64B | 1.01% | 60.42% | 3.42% |
| FFB Bank Fresno | $1.62B | 1.33% | 64.88% | 4.87% |
| Malaga Bank F.S.B. Palos Verdes Peninsula | $1.45B | 1.69% | 29.04% | 3.39% |
| American Riviera Bank Santa Barbara | $1.44B | 1.11% | 61.26% | 4.07% |
| State Bank of India (California) Los Angeles | $1.38B | 1.10% | 56.55% | 2.84% |
| The Bank of New York Mellon Trust Company, National Association Los Angeles | $1.37B | 15.27% | 40.43% | 4.04% |
| Savings Bank of Mendocino County Ukiah | $1.28B | 1.14% | 60.49% | 3.81% |
| Bank of the Orient San Francisco | $1.21B | 0.76% | 67.10% | 3.51% |
| Provident Savings Bank, F.S.B. Riverside | $1.21B | 0.64% | 74.22% | 3.18% |
| Pacific Coast Bankers' Bank Walnut Creek | $1.21B | 0.67% | 81.03% | 3.08% |
| Commerce West Bank Irvine | $1.20B | 1.20% | 47.75% | 2.94% |
| First General Bank Rowland Heights | $1.17B | 2.31% | 31.65% | 4.99% |
| EverTrust Bank City Of Industry | $1.13B | 1.01% | 56.34% | 3.50% |
| Golden State Bank Glendale | $1.00B | 1.26% | 58.17% | 4.31% |
| HCN Bank Riverside | $998M | 2.22% | 44.90% | 4.09% |
| Summit State Bank Santa Rosa | $960M | 0.07% | 64.01% | 3.92% |
| C3bank, National Association Encinitas | $949M | 1.14% | 54.22% | 3.69% |
| Pinnacle Bank Gilroy | $937M | 0.61% | 76.41% | 3.75% |
| American Plus Bank, N.A. Arcadia | $935M | 1.81% | 31.84% | 4.04% |
| Bank of San Francisco San Francisco | $864M | 0.93% | 64.08% | 4.34% |
| First Commercial Bank (USA) Alhambra | $850M | 1.10% | 55.40% | 3.57% |
| Endeavor Bank San Diego | $823M | 1.03% | 60.43% | 4.68% |
| River Valley Community Bank Yuba City | $793M | 0.67% | 69.45% | 3.20% |
| Mission Valley Bank Sun Valley | $782M | 0.82% | 71.95% | 4.36% |
| BAC Community Bank Stockton | $762M | 0.77% | 75.27% | 3.55% |
| GBC International Bank Los Angeles | $658M | 1.08% | 62.23% | 3.78% |
| Pacific Valley Bank Salinas | $653M | 0.87% | 67.79% | 3.77% |
| Golden Valley Bank Chico | $605M | 0.96% | 61.40% | 3.61% |
| Partners Bank of California Mission Viejo | $602M | 1.26% | 49.53% | 3.83% |
| Redwood Capital Bank Eureka | $566M | 1.16% | 62.77% | 4.33% |
| New OMNI Bank, National Association Alhambra | $518M | 0.70% | 76.56% | 4.62% |
| Chino Commercial Bank, N.A. Chino | $517M | 1.54% | 49.16% | 3.95% |
| First Credit Bank Los Angeles | $516M | 4.37% | 24.19% | 6.65% |
| First Pacific Bank Whittier | $514M | 0.24% | 85.37% | 3.65% |
| Mega Bank San Gabriel | $507M | 1.15% | 58.92% | 3.91% |
| Pacific Alliance Bank San Gabriel | $454M | 1.56% | 46.16% | 3.13% |
| Community Commerce Bank Claremont | $423M | 0.78% | 63.10% | 3.22% |
| Liberty Bank, National Association Irvine | $399M | -0.44% | 110.84% | 3.31% |
| Community Bank of Santa Maria Santa Maria | $397M | 1.07% | 68.81% | 4.39% |
| Balboa Thrift and Loan Association Chula Vista | $394M | -0.70% | 69.05% | 5.10% |
| Universal Bank West Covina | $388M | 0.36% | 83.38% | 3.00% |
| American Continental Bank City Of Industry | $385M | 1.49% | 56.77% | 4.46% |
| Infinity Bank Santa Ana | $360M | 1.48% | 57.07% | 5.40% |
| Murphy Bank Fresno | $357M | 2.46% | 50.37% | 5.05% |
| Genesis Bank Newport Beach | $340M | -0.24% | 107.35% | 3.60% |
| Bank Irvine Irvine | $306M | 0.97% | 52.97% | 3.34% |
| Monterey County Bank Monterey | $300M | -0.96% | 117.88% | 3.96% |
| Gateway Bank, F.S.B. Oakland | $288M | -0.36% | 110.67% | 2.74% |
| Mission National Bank San Francisco | $276M | -0.05% | 93.92% | 2.81% |
| Capital Bank and Trust Company Irvine | $266M | 81.14% | 59.06% | 3.53% |
| Summit Bank Oakland | $264M | -3.45% | 152.65% | 4.79% |
| Home Bank of California San Diego | $255M | 2.34% | 46.23% | 4.54% |
| Metropolitan Bank Oakland | $230M | 0.64% | 76.80% | 3.85% |
| Neighborhood National Bank El Cajon | $228M | 0.65% | 78.52% | 3.60% |
| First Federal Savings and Loan Association of San Rafael San Rafael | $222M | 0.09% | 96.67% | 2.96% |
| United Pacific Bank City Of Industry | $191M | 0.40% | 85.90% | 4.11% |
| Beach Cities Commercial Bank Irvine | $189M | -0.04% | 100.29% | 3.89% |
| Hatch Bank San Marcos | $177M | 0.30% | 151.58% | 5.31% |
| BEACON BUSINESS BANK, NATIONAL ASSOCIATION San Francisco | $164M | 0.28% | 89.77% | 3.37% |
| Icon Business Bank Riverside | $156M | -0.88% | 118.37% | 4.39% |
| Bank of Whittier, National Association Whittier | $153M | 0.69% | 63.92% | 2.45% |
| California Business Bank Irvine | $130M | 0.72% | 86.88% | 4.22% |
| Eastern International Bank Los Angeles | $126M | 0.58% | 80.58% | 3.95% |
| California International Bank, N.A. Westminster | $121M | 1.71% | 73.16% | 6.48% |
| Legacy Bank Murrieta | $113M | -2.01% | 142.44% | 4.16% |
| California Pacific Bank Hayward | $103M | 1.90% | 49.65% | 5.44% |
| Tustin Community Bank Tustin | $87M | 1.10% | 74.51% | 5.99% |
| Altos Bank Los Altos | $69M | -8.50% | 253.85% | 4.02% |
| Asian Pacific National Bank San Gabriel | $57M | 0.91% | 70.25% | 3.53% |
Method
Banks are FDIC-insured institutions headquartered in California with a call report for the quarter ending 06/30/2026. Return on assets and net interest margin are annualized year to date; the efficiency ratio is noninterest expense over revenue, so lower is better. Credit unions are NCUA-insured and not included. Click any bank for its comparison with same-size peers, or look up a bank in another state.