Bank of Stockton: how it compares with its peers
Against 29 CA banks with half to twice its assets, Bank of Stockton's strongest measure in Q2 2026 is return on assets (6.08% vs. a 1.29% peer median). Its weakest relative measure is assets per employee ($12.0M vs. $12.7M).
| Measure | Bank of Stockton | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 6.08% | 1.29% | Top third Ahead of 97% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.72% | 3.69% | Middle third Ahead of 52% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.56% | 51.05% | Middle third Ahead of 55% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.0M | $12.7M | Middle third Ahead of 41% of peers |
| Loans to deposits Net loans and leases over total deposits. | 63.24% | 87.64% | Context |
What it means for lending operations
Its efficiency ratio of 47.56% is better than the 51.05% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Community West Bank Fresno, CA · $5.02B
- Five Star Bank Roseville, CA · $5.38B
- American Business Bank Los Angeles, CA · $4.42B
- Royal Business Bank Los Angeles, CA · $4.27B
- Westamerica Bank San Rafael, CA · $5.77B
Questions about Bank of Stockton
How big is Bank of Stockton?
Bank of Stockton, established in 1867, is headquartered in Stockton, CA. It reported $4.99B in total assets in its Q2 2026 FDIC call report and operates 21 offices.
What is Bank of Stockton's return on assets?
6.08% annualized in Q2 2026, against a 1.29% median for 29 CA banks with half to twice its assets, ahead of 97% of them.
What is Bank of Stockton's efficiency ratio?
47.56% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 51.05%, and lower is better.
Is Bank of Stockton growing its loans?
Net loans grew 4.2% over the year to Q2 2026, while deposits grew 3.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.