Home Bank of California: how it compares with its peers
Against 27 CA banks with half to twice its assets, Home Bank of California's strongest measure in Q2 2026 is efficiency ratio (46.23% vs. a 83.38% peer median). Its weakest relative measure is net interest margin (4.54% vs. 3.85%).
| Measure | Home Bank of California | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.34% | 0.40% | Top third Ahead of 93% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.54% | 3.85% | Top third Ahead of 81% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 46.23% | 83.38% | Top third Ahead of 96% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.8M | $7.3M | Top third Ahead of 96% of peers |
| Loans to deposits Net loans and leases over total deposits. | 121.22% | 95.11% | Context |
What it means for lending operations
Its efficiency ratio of 46.23% is better than the 83.38% 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
- Summit Bank Oakland, CA · $264M
- Capital Bank and Trust Company Irvine, CA · $266M
- Mission National Bank San Francisco, CA · $276M
- Metropolitan Bank Oakland, CA · $230M
- Neighborhood National Bank El Cajon, CA · $228M
- Gateway Bank, F.S.B. Oakland, CA · $288M
Questions about Home Bank of California
How big is Home Bank of California?
Home Bank of California, established in 1981, is headquartered in San Diego, CA. It reported $255M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Home Bank of California's return on assets?
2.34% annualized in Q2 2026, against a 0.40% median for 27 CA banks with half to twice its assets, ahead of 93% of them.
What is Home Bank of California's efficiency ratio?
46.23% in Q2 2026: it spent about 46 cents in noninterest expense for each dollar of revenue. The peer median is 83.38%, and lower is better.
Is Home Bank of California growing its loans?
Net loans grew 3.4% over the year to Q2 2026, while deposits shrank 6.4%.
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.