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

Bank of Stockton

Stockton, California · $4.99B in assets · beside the 11 other California banks between $3B and $10B

The filing

19.5%
Equity / assets
1st of 12
6.07%
ROA
1st of 12
39.2x
Coverage of noncurrent
1st of 11

Bank of Stockton is the eighth largest of the 12 California banks nearest its size between $3B and $10B, with $4.99B in assets at 30 June 2026. Loans are 65.3% of deposits, 2nd of 12 against a median of 85.8%, and equity is 19.5% of assets, the highest in the cohort. Loans grew +4.1% in the year, 6th of 12, and deposits grew 3.4%; the cohort's median loan growth is +3.9%.

Noncurrent loans are 0.08% of the book, 2nd of 12 against a median of 0.33%; 0.12% is 30 to 89 days past due, and the allowance covers them 39.2 times. Commercial real estate is 36.9% of loans, 4th of 12 against a median of 43.5%, and 89% of capital, below the 300% screen, with construction at 11% against the 100% screen.

Return on assets is 6.07%, the highest in the cohort against a median of 1.37%, on an efficiency ratio of 47.6%, 6th of 12. Five years ago it was 1.82%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Return on assetsCA banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 1.37% Bo Bank of Stockton 6.07% WB Westamerica Bank 1.81% FM Farmers & Merchants Bank Central California 1.73% FS Five Star Bank 1.57% CB California Bank of Com N.A. 1.46% AB American Business Bank 1.45% CB Commercial Bank of California 1.30% RC River City Bank 1.22% RB Royal Business Bank 1.18% FB Fremont Bank 1.16% CB CTBC Bank Corp. USA 0.90% CW Community West Bank 0.73%
Loans, year over yearCA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.9% CW Community West Bank +47.7% FS Five Star Bank +20.3% AB American Business Bank +7.9% RC River City Bank +7.3% CB Commercial Bank of California +6.2% Bo Bank of Stockton +4.1% CB California Bank of Com N.A. +3.8% FB Fremont Bank +3.1% RB Royal Business Bank +2.3% CB CTBC Bank Corp. USA +2.2% FM Farmers & Merchants Bank Central California +2.2% WB Westamerica Bank -10.6%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Bank of StocktonRankCohort median
Total CRE against capital, the 300% screen89%2nd of 12224%
Construction against capital, the 100% screen11%4th of 1219%
Construction and land development, share of loans4.6%10th of 123.2%
Non-owner-occupied nonfarm nonresidential, share of loans25.7%5th of 1232.3%
Total CRE, the guidance definition, share of loans36.9%4th of 1243.5%
CRE growth over 36 months, the third prong+22.3%7th of 12+18.0%
Commercial real estate against capital, the 300% screenCA banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 224% WB Westamerica Bank 55% Bo Bank of Stockton 89% FM Farmers & Merchants Bank Central California 164% AB American Business Bank 176% CB CTBC Bank Corp. USA 214% FB Fremont Bank 217% RB Royal Business Bank 231% CW Community West Bank 299% CB California Bank of Com N.A. 313% CB Commercial Bank of California 470% FS Five Star Bank 536% RC River City Bank 649%
CRE growth over 36 months, the guidance's third prongCA banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median +18.0% CB CTBC Bank Corp. USA -7.3% WB Westamerica Bank -3.5% FB Fremont Bank +5.3% RB Royal Business Bank +12.5% AB American Business Bank +12.9% FM Farmers & Merchants Bank Central California +13.6% Bo Bank of Stockton +22.3% FS Five Star Bank +44.8% RC River City Bank +45.5% CB California Bank of Com N.A. +52.5% CB Commercial Bank of California +81.4% CW Community West Bank +170.2%

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
River City Bank$6.04B1.2%30.6%0.00%0.00%2.3%85.7%9.4%
Fremont Bank$5.97B1.2%73.4%0.39%0.01%1.6%90.6%7.8%
CTBC Bank Corp. USA$5.87B0.9%59.2%1.55%0.06%1.1%88.0%13.4%
Farmers & Merchants Bank Central California$5.83B1.7%44.3%0.13%0.01%2.1%72.7%11.8%
Westamerica Bank$5.77B1.8%42.5%0.12%0.14%1.6%14.0%10.5%
Five Star Bank$5.38B1.6%37.3%0.30%0.07%1.0%94.0%9.8%
Community West Bank$5.02B0.7%61.6%0.56%0.31%1.4%85.9%13.3%
Bank of Stockton$4.99B6.1%47.6%0.08%0.05%3.2%65.3%19.5%
American Business Bank$4.42B1.5%47.0%0.44%0.00%1.1%79.3%9.9%
Royal Business Bank$4.27B1.2%52.3%0.72%0.01%1.3%95.2%13.5%
California Bank of Com N.A.$4.02B1.5%54.8%0.29%0.01%1.1%92.5%15.4%
Commercial Bank of California$3.98B1.3%55.4%0.37%0.06%1.2%80.5%9.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bank of StocktonCohort median
20212026Change20212026Change
Loans$1.84B$2.48B+35%$1.95B$3.43B+76%
Deposits$3.53B$3.80B+7%$3.28B$4.45B+36%
NPA / loans0.24%0.08%-0.15 pts0.20%0.33%+0.13 pts
Efficiency45.5%47.6%+2.1 pts54.6%49.9%-4.7 pts
ROA1.82%6.07%+4.25 pts1.37%1.37%+0.01 pts

This read was prepared for Bank of Stockton'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 Stockton 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 $3B to $10B
Institution www.bankofstockton.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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