Savings Bank of Mendocino County: how it compares with its peers
Against 36 CA banks with half to twice its assets, Savings Bank of Mendocino County's strongest measure in Q2 2026 is return on assets (1.14% vs. a 1.06% peer median). Its weakest relative measure is assets per employee ($7.9M vs. $9.9M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.14% | 1.06% | Top third Ahead of 69% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.81% | 3.79% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.49% | 60.43% | Middle third Ahead of 47% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.9M | $9.9M | Bottom third Ahead of 19% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.42% | 89.86% | Context |
What it means for lending operations
Its efficiency ratio of 60.49% is above the 60.43% 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
- Bank of the Orient San Francisco, CA · $1.21B
- Provident Savings Bank, F.S.B. Riverside, CA · $1.21B
- Pacific Coast Bankers' Bank Walnut Creek, CA · $1.21B
- Commerce West Bank Irvine, CA · $1.20B
- The Bank of New York Mellon Trust Company, National Association Los Angeles, CA · $1.37B
- State Bank of India (California) Los Angeles, CA · $1.38B
Questions about Savings Bank of Mendocino County
How big is Savings Bank of Mendocino County?
Savings Bank of Mendocino County, established in 1903, is headquartered in Ukiah, CA. It reported $1.28B in total assets in its Q2 2026 FDIC call report and operates 9 offices.
What is Savings Bank of Mendocino County's return on assets?
1.14% annualized in Q2 2026, against a 1.06% median for 36 CA banks with half to twice its assets, ahead of 69% of them.
What is Savings Bank of Mendocino County's efficiency ratio?
60.49% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 60.43%, and lower is better.
Is Savings Bank of Mendocino County growing its loans?
Net loans shrank 1.8% 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.