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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

Bac Community Bank

Stockton, California · $762M in assets · beside the 11 other California banks between $300M and $1B

The filing

75.3%
Efficiency
11th of 11
-0.7%
Loans, year over year
11th of 12, largest first
57.1%
CRE / loans
10th of 12

Bac Community Bank is the seventh largest of the 12 California banks nearest its size between $300M and $1B, with $762M in assets at 30 June 2026. Loans are 68.2% of deposits, 3rd of 12 against a median of 92.8%, and equity is 9.9% of assets, 9th of 12. Loans grew -0.7% in the year, 11th of 12, and deposits fell 2.9%; the cohort's median loan growth is +6.3%.

Noncurrent loans are 0.18% of the book, 6th of 12 against a median of 0.21%; 0.35% is 30 to 89 days past due, and the allowance covers them 8.3 times. Commercial real estate is 57.1% of loans, 10th of 12 against a median of 50.9%, and 276% of capital, below the 300% screen, with construction at 10% against the 100% screen.

Return on assets is 0.78%, 10th of 12 against a median of 0.94%, on an efficiency ratio of 75.3%, the highest in the cohort. Five years ago it was 1.04%. The question is cost: what the efficiency ratio does to earnings when the margin compresses.

The efficiency ratioCA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 62.2% AP American Plus Bank N A 32.2% PB Partners Bank of California 49.5% FC First Commercial Bank USA 55.4% EB Endeavor Bank 60.4% GV Golden Valley Bank 61.4% GI GBC International Bank 62.2% Bo Bank of San Francisco 64.1% PV Pacific Valley Bank 67.8% RV River Valley Community Bank 69.4% MV Mission Valley Bank 71.9% BC Bac Community Bank 75.3%
Loans, year over yearCA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +6.3% Bo Bank of San Francisco +26.3% PB Partners Bank of California +20.7% GV Golden Valley Bank +17.0% RV River Valley Community Bank +12.3% PV Pacific Valley Bank +9.6% FC First Commercial Bank USA +6.4% EB Endeavor Bank +6.2% MV Mission Valley Bank +5.7% AP American Plus Bank N A +4.7% GI GBC International Bank +2.4% BC Bac Community Bank -0.7% NB Nano Banc -21.9%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers; owner-occupied excluded; bold marks a screen met
Bac Community BankRankCohort median
Total CRE against capital, the 300% screen276%8th of 12271%
Construction against capital, the 100% screen10%2nd of 1222%
Construction and land development, share of loans2.1%3rd of 124.0%
Non-owner-occupied nonfarm nonresidential, share of loans37.7%8th of 1233.6%
Total CRE, the guidance definition, share of loans57.1%10th of 1250.9%
CRE growth over 36 months, the third prong+0.6%3rd of 12+28.4%
Commercial real estate against capital, the 300% screenCA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 271% FC First Commercial Bank USA 163% EB Endeavor Bank 182% GV Golden Valley Bank 224% MV Mission Valley Bank 225% Bo Bank of San Francisco 235% GI GBC International Bank 269% RV River Valley Community Bank 274% BC Bac Community Bank 276% PV Pacific Valley Bank 356% PB Partners Bank of California 365% AP American Plus Bank N A 455% NB Nano Banc 529%
CRE growth over 36 months, the guidance's third prongCA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +28.4% NB Nano Banc -26.0% GI GBC International Bank -3.1% BC Bac Community Bank +0.6% FC First Commercial Bank USA +0.7% MV Mission Valley Bank +21.0% PV Pacific Valley Bank +21.1% GV Golden Valley Bank +35.8% PB Partners Bank of California +44.1% EB Endeavor Bank +45.3% RV River Valley Community Bank +46.9% AP American Plus Bank N A +51.0% Bo Bank of San Francisco +80.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
American Plus Bank N A$935M1.8%32.2%0.04%0.00%1.5%107.5%16.0%
Bank of San Francisco$864M0.9%64.1%0.09%0.00%1.2%93.9%10.1%
First Commercial Bank USA$850M1.1%55.4%1.05%0.00%1.5%113.2%23.0%
Endeavor Bank$823M1.0%60.4%0.45%-0.02%1.6%91.7%11.4%
River Valley Community Bank$793M0.6%69.4%0.00%0.04%1.2%57.5%7.6%
Mission Valley Bank$782M0.8%71.9%1.94%0.34%1.3%102.5%10.7%
Bac Community Bank$762M0.8%75.3%0.18%0.02%1.5%68.2%9.9%
Nano Banc$736M-0.6%no record25.73%3.32%4.2%69.8%5.3%
GBC International Bank$658M1.1%62.2%0.26%0.03%1.1%90.5%16.2%
Pacific Valley Bank$653M0.9%67.8%0.24%-0.02%1.5%95.9%12.1%
Golden Valley Bank$605M0.9%61.4%0.00%0.06%1.5%53.5%7.9%
Partners Bank of California$602M1.4%49.5%0.00%0.00%2.1%99.4%11.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bac Community BankCohort median
20212026Change20212026Change
Loans$476M$459M-4%$420M$527M+25%
Deposits$715M$673M-6%$469M$660M+41%
NPA / loans0.48%0.18%-0.30 pts0.08%0.21%+0.12 pts
Efficiency67.7%75.3%+7.6 pts59.0%62.2%+3.3 pts
ROA1.04%0.78%-0.27 pts1.06%0.94%-0.12 pts

This read was prepared for Bac Community Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Bac Community Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $300M to $1B
Institution www.bankbac.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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