The catalogue › United States › Pacific › California
The state note · prepared 7 September 2026

California

116 banks and 242 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

116 banks filing · read from the 30 June 2026 Call Report
116
banks filing
$566B in assets
+5.3%
Loans, year over year
median; 38 above 10%, 20 shrinking
48.9%
CRE / loans
median
90.6%
Loans / deposits
median
0.39%
NPA / loans
median
11.9%
Equity / assets
median

California's 116 banks hold $566B in assets at 30 June 2026. City National Bank is the largest at $99.1B, and the five largest hold 48% of the total; 60 institutions are above $1B, holding $541B.

Loans grew a median +5.3% in the year to 30 June 2026: 38 institutions grew faster than 10% and 20 shrank. The median bank lends 91% of its deposits and holds commercial real estate at 48.9% of loans. Nonperforming loans sit at a median 0.39% of the book, return on assets at 1.08%, and equity at 11.9% of assets.

51 of the 116 are in the catalogue, each read from its own filing beside the banks its size in the state: City National Bank, East West Bank, Banc of California, Axos Bank, Cathay Bank, Mechanics Bank, Citizens Business Bank N.A., Bank of Hope, Bank of America Ca N.A., Farmers & Merchants Bank Long Be, Tri Counties Bank, First American Trust FSB, Poppy Bank, Hanmi Bank, Preferred Bank, Mizrahi Tefahot Bank LTD, SMBC Manubank, River City Bank, Fremont Bank, CTBC Bank Corp. USA, Farmers & Merchants Bank Central California, Westamerica Bank, Five Star Bank, Community West Bank, Bank of Stockton, West Coast Community Bank, Open Bank, Calprivate Bank, Avidbank, United Business Bank, El Dorado Savings Bank FSB, Plumas Bank, Beneficial State Bank, Montecito Bank & Trust, Mission Bank, Oak Valley Community Bank, Commonwealth Business Bank, First Northern Bank of Dixon, U.S. Metro Bank, FFB Bank, HCN Bank, Summit State Bank, C3bank National Association, Pinnacle Bank, American Plus Bank N A, Bank of San Francisco, First Commercial Bank USA, Endeavor Bank, River Valley Community Bank, Mission Valley Bank, Bac Community Bank.

Who holds the state's assetseach institution's share of the $566B the state's 116 hold; the largest first, amber in the catalogue
City National Bank: 17.5%CN18%East West Bank: 14.9%EW15%Banc of California: 6.2%BoAxos Bank: 5.1%ABCathay Bank: 4.4%CBMechanics Bank: 3.8%MBCitizens Business Bank N.A.: 3.7%CBBank of Hope: 3.4%BoBank of America Ca N.A.: 2.6%Farmers & Merchants Bank Long Be: 2.1%106 others 36%CNCity National Bank17.5%EWEast West Bank14.9%BoBanc of California6.2%ABAxos Bank5.1%CBCathay Bank4.4%MBMechanics Bank3.8%CBCitizens Business Ban…3.7%BoBank of Hope3.4%BoBank of America Ca N.…2.6%FMFarmers & Merchants B…2.1%

City National Bank holds 17.5% of the state's bank assets; the five largest hold 48%, and 60 of the 116 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestCity National Bank: 18% of the totalThe five largest48% of the totalThe ten largest64% of the totalGINI0.80 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 48% of the assets in 4% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
1-4 family residential, closed-end22.7%$88.8BNonfarm nonresidential, non-owner-occupied22.5%$87.9BCommercial & industrial13.9%$54.2BOther loans and leases11.4%$44.7BMultifamily10.8%$42.1BNonfarm nonresidential, owner-occupied10.1%$39.5BConstruction & land3.5%$13.7BHome equity lines1.9%$7.6BConsumer, other0.8%$3.0BFarmland0.8%$2.9BAuto0.6%$2.5BStates & municipalities0.5%$2.1BAgricultural production0.4%$1.4BCredit card0.0%$80M

1-4 family residential, closed-end is the largest category at 22.7% of the state's $390B in loans, then Nonfarm nonresidential, non-owner-occupied at 22.5% and Commercial & industrial at 13.9%.

Loans, year over yearCalifornia banks, 30 June 2026 against a year earlier · no better direction, largest first · the 25 highest of 113 · amber, in the catalogue
state median +5.3% AB Altos Bank +424.2% MT Mizrahi Tefahot Bank LTD +56.9% PB Plumas Bank +48.5% CW Community West Bank +47.7% MB Mechanics Bank +46.9% MC Monterey County Bank +45.1% CB Citizens Business Bank N.A. +43.8% CI California Intl Bank N A +38.2% GB Gateway Bank FSB +35.1% BI Bank Irvine +26.4% Bo Bank of San Francisco +26.3% AP Asian Pacific National Bank +25.2% AB Axos Bank +24.6% PC Pacific Coast Bankers Bank +22.6% PB Partners Bank of California +20.7% FS Five Star Bank +20.3% NN Neighborhood National Bank +19.4% Bo Bank of the Orient +18.9% UP United Pacific Bank +18.6% EI Eastern International Bank +17.9% GV Golden Valley Bank +17.0% BC Beach Cities Commercial Bank +16.9% A Avidbank +16.3% CC Chino Commercial Bank N A +16.3% BS Beneficial State Bank +15.7%

Altos Bank grew fastest at +424.2%; 38 grew faster than 10% and 20 shrank, SMBC Manubank the most at -40.2%. The median is +5.3%.

Commercial real estate, share of loansCalifornia banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · the 25 highest of 113 · amber, in the catalogue
state median 48.9% FF First Federal Savings & Loan Asso… 99.1% MB Malaga Bank FSB 93.6% HB HCN Bank 90.8% UB Universal Bank 90.3% RC River City Bank 87.3% EI Eastern International Bank 86.0% LB Liberty Bank National Association 85.7% AP American Plus Bank N A 83.2% UP United Pacific Bank 78.3% GB Genesis Bank 75.1% PA Pacific Alliance Bank 71.0% MC Monterey County Bank 70.1% FS Five Star Bank 69.4% MB Mega Bank 69.2% SB Savings Bank of Mendocino County 68.9% CB Commercial Bank of California 68.2% FM Farmers & Merchants Bank Long Be 66.7% FC First Credit Bank 66.7% FG First General Bank 66.4% Bo Bank of Marin 64.6% SB Summit Bank 63.7% RC Redwood Capital Bank 63.3% BB Beacon Business Bank N.A. 63.1% GI GBC International Bank 62.7% UB United Business Bank 60.9%

First Federal Savings & Loan Association of San Rafael is the most CRE-weighted at 99.1% of loans; 76 of the 116 are above 40%, against a median of 48.9%.

Commercial real estate against capital, the 300% screenCalifornia banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · the 25 highest of 115 · amber, in the catalogue
state median 259% 300% screen RC River City Bank 649% HB HCN Bank 611% FS Five Star Bank 536% NB Nano Banc 529% LB Liberty Bank National Association 480% MB Malaga Bank FSB 473% MC Monterey County Bank 471% CB Commercial Bank of California 470% AP American Plus Bank N A 455% FF First Federal Savings & Loan Asso… 454% GB Genesis Bank 442% GS Golden State Bank 420% PA Pacific Alliance Bank 407% HB Home Bank of California 404% UB United Business Bank 402% UM U.S. Metro Bank 393% RC Redwood Capital Bank 387% MN Mission National Bank 378% Bo Bank of the Orient 378% UP United Pacific Bank 375% AR American Riviera Bank 374% CB Community Bank of Santa Maria 373% MB Mega Bank 373% BB Beacon Business Bank N.A. 371% Bo Bank of Marin 366%

41 of the 115 banks sit above the 300% screen, River City Bank the highest at 649% of capital; the median is 259%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenCalifornia banks, 30 June 2026 · the guidance's first prong; listed largest first · the 25 highest of 115 · amber, in the catalogue
state median 16% 100% screen MB Mega Bank 142% AP American Plus Bank N A 122% NB Nano Banc 102% PA Pacific Alliance Bank 83% IB Infinity Bank 82% WC West Coast Community Bank 69% PB Preferred Bank 67% FP First Pacific Bank 66% AC American Continental Bank 63% CI California Intl Bank N A 61% PB Poppy Bank 61% BC Beach Cities Commercial Bank 57% CP California Pacific Bank 54% AR American Riviera Bank 54% Bo Banc of California 52% A Avidbank 50% HB Home Bank of California 48% SM SMBC Manubank 47% MB Mission Bank 45% AB Axos Bank 42% GS Golden State Bank 40% CW Community West Bank 39% Bo Bank of the Orient 38% PB Partners Bank of California 37% FC First Credit Bank 36%

3 of the 115 banks sit above the 100% construction screen, Mega Bank the highest at 142%; the median is 16%.

Loans to depositsCalifornia banks, 30 June 2026 · listed highest first · the 25 highest of 116 · amber, in the catalogue
state median 91% HB Hatch Bank 266% FC First Credit Bank 154% CP California Pacific Bank 144% MB Malaga Bank FSB 132% HB Home Bank of California 122% GB Gateway Bank FSB 121% PS Provident Savings Bank FSB 113% FC First Commercial Bank USA 113% FG First General Bank 113% EI Eastern International Bank 111% BC Beach Cities Commercial Bank 110% FF First Federal Savings & Loan Asso… 109% AP American Plus Bank N A 108% NO New Omni Bank National Association 103% MB Murphy Bank 103% MV Mission Valley Bank 102% BT Balboa Thrift & Loan Association 102% MB Mega Bank 102% BI Bank Irvine 102% NN Neighborhood National Bank 101% TC Tustin Community Bank 101% AB Axos Bank 101% GS Golden State Bank 100% SB State Bank of India California 100% CC Community Commerce Bank 100%

26 of the 116 lend more than they hold in deposits, Hatch Bank the furthest at 266%; the median is 91%.

Nonperforming loans, share of loansCalifornia banks, 30 June 2026 · listed highest first · the 25 highest of 113 · amber, in the catalogue
state median 0.39% NB Nano Banc 25.73% CP California Pacific Bank 15.93% NO New Omni Bank National Association 7.69% UB Universal Bank 3.74% FB FFB Bank 3.54% FC First Credit Bank 3.33% BS Beneficial State Bank 2.53% UP United Pacific Bank 2.51% SS Summit State Bank 2.43% Bo Banc of California 2.34% PB Pinnacle Bank 2.30% Bo Bank of the Orient 2.16% GB Gateway Bank FSB 2.15% OB Open Bank 2.09% MV Mission Valley Bank 1.94% PB Poppy Bank 1.89% CB Commonwealth Business Bank 1.88% FG First General Bank 1.83% LB Legacy Bank 1.61% MB Mega Bank 1.61% PB Preferred Bank 1.57% CB CTBC Bank Corp. USA 1.55% PB Plumas Bank 1.55% UM U.S. Metro Bank 1.54% SB Summit Bank 1.48%

Nano Banc carries the most nonperforming loans at 25.73% of the book; 30 of the 116 are above 1%, and the median is 0.39%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%0.50%1.00%1.50%2.00%2.50%3.00%NPA / loansAllowance / loansBoBank of Stockton+3.11%TCTustin Community Bank+3.09%CICalifornia Intl Bank N A+2.85%BoBank of Whittier N.A.+2.84%RCRiver City Bank+2.34%SBSavings Bank of Mendocino County+2.12%PBPartners Bank of California+2.06%FMFarmers & Merchants Bank Central …+1.95%MBMetropolitan Bank+1.68%APAsian Pacific National Bank+1.66%CCChino Commercial Bank N A+1.66%SBSummit Bank+1.56%GVGolden Valley Bank+1.53%WBWestamerica Bank+1.49%APAmerican Plus Bank N A+1.47%RCRedwood Capital Bank+1.44%BTBalboa Thrift & Loan Association+1.41%EIEastern International Bank+1.40%CNC3bank National Association+1.38%MBMission Bank+1.35%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 26 of the 116 hold an allowance smaller than their nonperforming loans.

Return on assetsCalifornia banks, 30 June 2026 · listed highest first · the 25 highest of 115 · amber, in the catalogue
state median 1.08% CB Capital Bank & Trust Co. 70.10% Bo Bank of NY Mellon Trust Co. N.A. 15.28% Bo Bank of Stockton 6.07% FC First Credit Bank 4.37% MB Murphy Bank 2.48% HB Home Bank of California 2.31% FG First General Bank 2.30% HB HCN Bank 2.18% AB Axos Bank 2.14% WC West Coast Community Bank 2.04% CB Calprivate Bank 2.02% CP California Pacific Bank 1.86% WB Westamerica Bank 1.81% AP American Plus Bank N A 1.81% PB Plumas Bank 1.79% EW East West Bank 1.75% FM Farmers & Merchants Bank Central … 1.73% CI California Intl Bank N A 1.72% MB Malaga Bank FSB 1.68% PB Preferred Bank 1.68% MB Mission Bank 1.63% CC Chino Commercial Bank N A 1.61% IB Infinity Bank 1.60% FS Five Star Bank 1.57% CB Cathay Bank 1.54%

Capital Bank & Trust Co. earns the most at 70.10% and Altos Bank the least at -8.35%; 23 of the 116 earn under 0.50%, and the median is 1.08%.

The efficiency ratio, with the return beside itCalifornia banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · the 25 lowest of 114 · amber, in the catalogue
state median 60.5% SM SMBC Manubank 16.5% ROA -3.45% FC First Credit Bank 24.2% ROA 4.37% MB Malaga Bank FSB 29.0% ROA 1.68% RC River City Bank 30.6% ROA 1.22% FG First General Bank 31.7% ROA 2.30% AP American Plus Bank N A 32.2% ROA 1.81% FA First American Trust FSB 32.8% ROA 1.36% PB Preferred Bank 33.0% ROA 1.68% EW East West Bank 36.0% ROA 1.75% FS Five Star Bank 37.3% ROA 1.57% CB Cathay Bank 40.3% ROA 1.54% Bo Bank of NY Mellon Trust Co. N.A. 40.4% ROA 15.28% WC West Coast Community Bank 42.1% ROA 2.04% WB Westamerica Bank 42.5% ROA 1.81% Bo Bank of America Ca N.A. 43.0% ROA 0.74% AB Axos Bank 43.1% ROA 2.14% PB Poppy Bank 43.2% ROA 1.32% FM Farmers & Merchants Bank Central … 44.3% ROA 1.73% CB Calprivate Bank 44.4% ROA 2.02% HB HCN Bank 44.9% ROA 2.18% MB Mission Bank 45.1% ROA 1.63% PA Pacific Alliance Bank 46.2% ROA 1.54% HB Home Bank of California 46.2% ROA 2.31% AB American Business Bank 47.0% ROA 1.45% Bo Bank of Stockton 47.6% ROA 6.07%

SMBC Manubank runs the leanest at 16.5% of revenue in cost; 21 of the 116 spend more than 80 cents of every revenue dollar, and the median is 60.5%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
City National Bank$99.1B+6.3%17.6%85%0.92%0.96%11.4%
East West Bank$84.3B+7.3%31.1%84%0.38%1.75%9.9%
Banc of California$34.9B+1.7%41.4%89%2.34%-0.88%10.8%
Axos Bank$28.9B+24.6%21.7%101%0.44%2.14%9.7%
Cathay Bank$24.6B+4.1%38.5%98%0.54%1.54%12.6%
Mechanics Bank$21.2B+46.9%51.8%75%0.41%1.01%13.3%
Citizens Business Bank N.A.$21.2B+43.8%52.6%73%0.14%1.03%14.7%
Bank of Hope$19.0B+4.1%38.5%94%0.88%0.74%12.4%
Bank of America Ca N.A.$14.8B-12.3%0.0%77%0.66%0.74%13.1%
Farmers & Merchants Bank Long Be$11.8B+2.7%66.7%76%0.01%0.97%13.9%
Tri Counties Bank$9.9B+5.1%55.1%87%0.94%1.38%13.9%
First American Trust FSB$9.2Bno recordno record0%no record1.36%5.6%
Poppy Bank$8.3B+10.8%50.5%93%1.89%1.32%8.9%
Hanmi Bank$8.0B+3.1%47.4%94%0.15%1.28%11.2%
Preferred Bank$7.7B+9.3%57.4%97%1.57%1.68%10.3%
Five years, 2021 to 2026the 110 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$279B$389B+40%
Deposits, in total$389B$468B+20%
NPA / loans, median0.18%0.41%+0.23 pts
Efficiency, median55.7%60.1%+4.4 pts
ROA, median1.13%1.09%-0.04 pts

Small-business lending

SBA 7(a) approvals into California since FY2008, across every lender type

$65.4B of 7(a) credit has been approved into California since FY2008 across 126,397 loans. Retail trade is the largest category at 16.9%, Accommodation & food services at 15.4%, Health care & social assistance at 11.4%; the three together are 44% of the money. The heaviest losses fall in Arts, entertainment & recreation, at 2.59% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 512 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
WF Wells Fargo Bank National Associa… 8.5% $5.6B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.8B · 14,424 loans LO Live Oak Banking Company 4.5% $2.9B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.8B · 2,975 loans Bo Bank of Hope 3.9% $2.6B · 6,200 loans CB Columbia Bank 3.6% $2.3B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.9B · 9,370 loans OB Open Bank 2.5% $1.6B · 1,421 loans Harvest Small Business Finance, L… 2.4% $1.6B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.6B · 2,551 loans CB Commonwealth Business Bank 2.1% $1.3B · 1,597 loans UB United Business Bank 2.0% $1.3B · 1,416 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Retail trade17.7%$11.0B · 18,906 loansAccommodation & food services16.2%$10.1B · 16,598 loansHealth care & social assistance11.9%$7.4B · 11,850 loansWholesale trade9.6%$6.0B · 9,316 loansManufacturing9.4%$5.9B · 9,167 loansOther services9.0%$5.6B · 11,066 loansProfessional & technical services8.5%$5.3B · 14,206 loansConstruction6.3%$4.0B · 11,555 loansTransportation & warehousing3.5%$2.2B · 5,589 loansReal estate & leasing3.0%$1.9B · 3,224 loansAdministrative & waste services2.6%$1.6B · 4,727 loansArts, entertainment & recreation2.2%$1.4B · 3,255 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Retail trade$11.0B18,90616.9%$185M1.68%
Accommodation & food services$10.1B16,59815.4%$183M1.82%
Health care & social assistance$7.4B11,85011.4%$63M0.85%
Wholesale trade$6.0B9,3169.2%$113M1.89%
Manufacturing$5.9B9,1679.0%$101M1.73%
Other services$5.6B11,0668.6%$89M1.59%
Professional & technical services$5.3B14,2068.1%$95M1.79%
Construction$4.0B11,5556.1%$73M1.85%
Transportation & warehousing$2.2B5,5893.3%$43M1.97%
Real estate & leasing$1.9B3,2242.9%$16M0.84%
Administrative & waste services$1.6B4,7272.5%$29M1.78%
Arts, entertainment & recreation$1.4B3,2552.1%$36M2.59%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
Los Angeles$20.5B38,745308
Orange$7.4B13,824256
San Diego$5.4B11,969238
San Bernardino$3.6B6,164213
Riverside$3.5B6,867219
Santa Clara$2.6B4,806187
Alameda$2.4B4,918179
Sacramento$2.3B4,790170
San Francisco$1.4B3,001140
Contra Costa$1.4B2,946154

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any California institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 7 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in California

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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