BAC Community Bank: how it compares with its peers
Against 41 CA banks with half to twice its assets, BAC Community Bank's strongest measure in Q2 2026 is assets per employee ($8.3M vs. a $9.8M peer median). Its weakest relative measure is efficiency ratio (75.27% vs. 61.26%).
| Measure | BAC Community Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.77% | 1.08% | Bottom third Ahead of 29% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.55% | 3.78% | Bottom third Ahead of 32% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.27% | 61.26% | Bottom third Ahead of 17% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.3M | $9.8M | Middle third Ahead of 34% of peers |
| Loans to deposits Net loans and leases over total deposits. | 67.13% | 92.89% | Context |
What it means for lending operations
Its efficiency ratio of 75.27% is above the 61.26% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Mission Valley Bank Sun Valley, CA · $782M
- River Valley Community Bank Yuba City, CA · $793M
- Endeavor Bank San Diego, CA · $823M
- First Commercial Bank (USA) Alhambra, CA · $850M
- Bank of San Francisco San Francisco, CA · $864M
Questions about BAC Community Bank
How big is BAC Community Bank?
BAC Community Bank, established in 1965, is headquartered in Stockton, CA. It reported $762M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is BAC Community Bank's return on assets?
0.77% annualized in Q2 2026, against a 1.08% median for 41 CA banks with half to twice its assets, ahead of 29% of them.
What is BAC Community Bank's efficiency ratio?
75.27% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 61.26%, and lower is better.
Is BAC Community Bank growing its loans?
Net loans shrank 0.7% over the year to Q2 2026, while deposits shrank 2.9%.
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.