HCN Bank: how it compares with its peers
Against 38 CA banks with half to twice its assets, HCN Bank's strongest measure in Q2 2026 is return on assets (2.22% vs. a 1.09% peer median). Its weakest relative measure is assets per employee ($11.2M vs. $9.9M).
| Measure | HCN Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.22% | 1.09% | Top third Ahead of 89% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.09% | 3.77% | Top third Ahead of 76% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.90% | 60.46% | Top third Ahead of 84% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.2M | $9.9M | Top third Ahead of 68% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.74% | 90.52% | Context |
What it means for lending operations
Its efficiency ratio of 44.90% is better than the 60.46% 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
- Golden State Bank Glendale, CA · $1.00B
- Summit State Bank Santa Rosa, CA · $960M
- C3bank, National Association Encinitas, CA · $949M
- Pinnacle Bank Gilroy, CA · $937M
- American Plus Bank, N.A. Arcadia, CA · $935M
- EverTrust Bank City Of Industry, CA · $1.13B
Questions about HCN Bank
How big is HCN Bank?
HCN Bank, established in 1974, is headquartered in Riverside, CA. It reported $998M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is HCN Bank's return on assets?
2.22% annualized in Q2 2026, against a 1.09% median for 38 CA banks with half to twice its assets, ahead of 89% of them.
What is HCN Bank's efficiency ratio?
44.90% in Q2 2026: it spent about 45 cents in noninterest expense for each dollar of revenue. The peer median is 60.46%, and lower is better.
Is HCN Bank growing its loans?
Net loans grew 9.0% over the year to Q2 2026, while deposits grew 0.4%.
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.