Hatch Bank: how it compares with its peers
Against 21 CA banks with half to twice its assets, Hatch Bank's strongest measure in Q2 2026 is net interest margin (5.31% vs. a 3.89% peer median). Its weakest relative measure is efficiency ratio (151.58% vs. 86.88%).
| Measure | Hatch Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.30% | 0.40% | Middle third Ahead of 48% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.31% | 3.89% | Top third Ahead of 90% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 151.58% | 86.88% | Bottom third Ahead of 5% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $7.1M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 266.15% | 95.11% | Context |
What it means for lending operations
Its efficiency ratio of 151.58% is above the 86.88% 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
- Beach Cities Commercial Bank Irvine, CA · $189M
- BEACON BUSINESS BANK, NATIONAL ASSOCIATION San Francisco, CA · $164M
- United Pacific Bank City Of Industry, CA · $191M
- Icon Business Bank Riverside, CA · $156M
- Bank of Whittier, National Association Whittier, CA · $153M
- First Federal Savings and Loan Association of San Rafael San Rafael, CA · $222M
Questions about Hatch Bank
How big is Hatch Bank?
Hatch Bank, established in 1982, is headquartered in San Marcos, CA. It reported $177M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Hatch Bank's return on assets?
0.30% annualized in Q2 2026, against a 0.40% median for 21 CA banks with half to twice its assets, ahead of 48% of them.
What is Hatch Bank's efficiency ratio?
151.58% in Q2 2026: it spent about 152 cents in noninterest expense for each dollar of revenue. The peer median is 86.88%, and lower is better.
Is Hatch Bank growing its loans?
Net loans grew 15.6% over the year to Q2 2026, while deposits grew 1.4%.
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.