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

Bank of San Francisco

San Francisco, California · $864M in assets · beside the 11 other California banks between $300M and $1B

The filing

+26.3%
Loans, year over year
1st of 12, largest first
31.9%
CRE / loans
2nd of 12
13.2x
Coverage of noncurrent
2nd of 9

Bank of San Francisco is the sixth largest of the 12 California banks nearest its size between $300M and $1B, with $864M in assets at 30 June 2026. Loans are 93.9% of deposits, 9th of 12 against a median of 90.7%, and equity is 10.1% of assets, 8th of 12. Loans grew +26.3% in the year, the fastest in the cohort, and deposits grew 27.2%; the cohort's median loan growth is +5.2%.

Noncurrent loans are 0.09% of the book, 5th of 12 against a median of 0.32%; 0.60% is 30 to 89 days past due, and the allowance covers them 13.2 times. Commercial real estate is 31.9% of loans, 2nd of 12 against a median of 50.9%, and 235% of capital, below the 300% screen, with construction at 13% against the 100% screen. CRE has grown +80.7% over 36 months, past the guidance's 50% prong.

Return on assets is 0.92%, 6th of 12 against a median of 0.86%, on an efficiency ratio of 64.1%, 7th of 11. Five years ago it was 1.35%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Commercial real estate, share of loansCA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 50.9% EB Endeavor Bank 28.4% Bo Bank of San Francisco 31.9% MV Mission Valley Bank 34.1% FC First Commercial Bank USA 45.3% PB Pinnacle Bank 46.6% RV River Valley Community Bank 50.8% NB Nano Banc 50.9% SS Summit State Bank 53.5% BC Bac Community Bank 57.1% CN C3bank National Association 60.4% AP American Plus Bank N A 83.2% HB HCN Bank 90.8%
Loans, year over yearCA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.2% Bo Bank of San Francisco +26.3% RV River Valley Community Bank +12.3% HB HCN Bank +8.9% FC First Commercial Bank USA +6.4% EB Endeavor Bank +6.2% MV Mission Valley Bank +5.7% CN C3bank National Association +4.8% AP American Plus Bank N A +4.7% PB Pinnacle Bank +1.9% BC Bac Community Bank -0.7% SS Summit State Bank -12.6% NB Nano Banc -21.9%

SBA 7(a), FY2008 to FY2026

Bank of San Francisco is the 93rd largest 7(a) lender into California of 512, with $107M across 139 loans, 0.2% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 8 of its 12 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
San Francisco, CA$32M9th of 1402.3%-1.1 pts
San Mateo, CA$24M10th of 1292.2%+3.2 pts
Alameda, CA$18M31st of 1790.7%+1.2 pts
Marin, CA$9M10th of 992.6%quiet FY2016
Santa Clara, CA$7M66th of 1870.3%quiet FY2018
Yolo, CA$5M21st of 911.5%quiet FY2016
Santa Cruz, CA$4M27th of 770.8%-1.5 pts
Contra Costa, CA$3M82nd of 1540.2%quiet FY2020
Los Angeles, CA$2M196th of 3080.0%quiet FY2021
Sonoma, CA$2M53rd of 1120.2%quiet FY2018
San Diego, CA$845K178th of 2380.0%quiet FY2021
Sacramento, CA$744K139th of 1700.0%quiet FY2020
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing31$30M28.4%0.08%219th of 2,246
Accommodation & food services45$23M21.0%0.03%359th of 2,596
Construction14$14M12.9%0.04%303rd of 2,063
Wholesale trade8$11M10.7%0.04%273rd of 1,651
Other services7$7M6.4%0.02%443rd of 2,248
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Bank of San Francisco
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans Bo Bank of San Francisco 0.2% $107M · 139 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Bank of San FranciscoRankCohort median
Total CRE against capital, the 300% screen235%5th of 12275%
Construction against capital, the 100% screen13%5th of 1216%
Construction and land development, share of loans1.8%4th of 123.0%
Non-owner-occupied nonfarm nonresidential, share of loans16.3%2nd of 1238.1%
Total CRE, the guidance definition, share of loans31.9%2nd of 1250.9%
CRE growth over 36 months, the third prong+80.7%12th of 12+10.6%

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
HCN Bank$998M2.2%44.9%0.00%0.00%1.3%93.0%11.4%
Summit State Bank$960M0.1%64.0%2.43%2.28%1.7%89.7%10.6%
C3bank National Association$949M1.2%54.2%0.00%0.00%1.4%72.0%9.9%
Pinnacle Bank$937M0.6%76.4%2.30%2.08%1.3%71.1%11.7%
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%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bank of San FranciscoCohort median
20212026Change20212026Change
Loans$541M$696M+29%$490M$648M+32%
Deposits$550M$741M+35%$593M$733M+24%
NPA / loans0.64%0.09%-0.55 pts0.04%0.32%+0.28 pts
Efficiency46.9%64.1%+17.2 pts53.4%64.0%+10.6 pts
ROA1.35%0.92%-0.43 pts1.17%0.86%-0.31 pts

This read was prepared for Bank of San Francisco'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 Bank of San Francisco 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.bankbsf.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. 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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