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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Stockton, CA · FDIC certificate #19434
BAC COMMUNITY BANK is an FDIC-insured institution based in Stockton, CA (FDIC certificate #19434). In its Q3 2026 Call Report it reported total assets of $773M, total deposits of $684M and net loans of $458M. Its primary federal regulator is FDIC.
Plain-language readout
BAC COMMUNITY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $780M in Q1 2026 and were lowest at $762M in Q2 2026.
Total deposits were highest at $685M in Q1 2026 and lowest at $673M in Q2 2026.
Over the whole period total assets fell 0.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $773M | $684M | $458M | 0.77% | 7.92% | 3.54% |
| Q2 2026 | $762M | $673M | $452M | 0.77% | 8.01% | 3.55% |
| Q1 2026 | $780M | $685M | $470M | 0.70% | 7.32% | 3.40% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $42.0M | $42.6M | -$621K | -1.5% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $236.2M | $236.1M | +$59K | +0.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $451.8M | $469.7M | -$17.9M | -3.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $10.5M | $10.8M | -$347K | -3.2% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $22K | $25K | -$3K | -12.0% |
| All other assets | $21.5M | $20.8M | +$614K | +2.9% |
| Total assets | $761.9M | $780.1M | -$18.2M | -2.3% |
| Liabilities | ||||
| Total deposits | $673.0M | $684.8M | -$11.9M | -1.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $6.0M | $11.9M | -$5.9M | -49.8% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $7.6M | $7.7M | -$68K | -0.9% |
| Total liabilities | $686.5M | $704.4M | -$17.9M | -2.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $2.1M | $2.1M | $0K | 0.0% |
| Surplus | $4.2M | $4.2M | $0K | 0.0% |
| Retained earnings | $82.0M | $83.1M | -$1.1M | -1.4% |
| Accumulated other comprehensive income | -$12.8M | -$13.7M | +$838K | +6.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $75.4M | $75.7M | -$305K | -0.4% |
| Credit and capital | ||||
| Gross nonperforming assets | $825K | $1.9M | -$1.1M | -56.9% |
| Adjusted nonperforming assets | $825K | $1.9M | -$1.1M | -56.9% |
| Tangible equity plus allowance | $82.3M | $82.6M | -$304K | -0.4% |
| Texas ratio (gross) | 1.00% | 2.32% | -1.32 pts | See points |
| Texas ratio (adjusted) | 1.00% | 2.32% | -1.32 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.00% | 2.32% | -1.32 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.60% | 16.17% | +0.43 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.60% | 16.17% | +0.43 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.85% | 17.42% | +0.43 pts | See points |
| Tier 1 leverage (approximate) | 11.44% | 11.41% | +0.03 pts | See points |
| Construction and land loans to total capital | 10.10% | 18.83% | -8.73 pts | See points |
| Commercial real estate to total capital | 275.90% | 284.68% | -8.78 pts | See points |
| Dividend payout, year to date | 104.60% | 26.48% | +78.11 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -15.43% | -16.99% | +1.56 pts | See points |
| Liquidity | ||||
| Core deposits | $617.0M | $628.4M | -$11.3M | -1.8% |
| Non-core funding | $61.9M | $68.4M | -$6.5M | -9.5% |
| Loans to core deposits | 74.33% | 75.84% | -1.51 pts | See points |
| Loans to deposits | 68.15% | 69.58% | -1.43 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.27% | -0.27 pts | See points |
| Pledged securities share of securities | 17.09% | 21.39% | -4.30 pts | See points |
| Loans pledged, share of loans | 86.11% | 84.53% | +1.57 pts | See points |
| Volatile liabilities | $61.9M | $68.4M | -$6.5M | -9.5% |
| Earnings | ||||
| Earnings before provision, year to date | $3.5M | $1.7M | +$1.8M | +110.9% |
| Earnings before provision, single quarter | $1.8M | $1.7M | +$181K | +10.9% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 5.84% | 5.35% | +0.48 pts | See points |
| Yield on interest-bearing balances due from banks | 3.69% | 3.66% | +0.03 pts | See points |
| Total interest income to average assets | 4.27% | 4.06% | +0.21 pts | See points |
| Cost of interest-bearing transaction accounts | 0.43% | 0.32% | +0.11 pts | See points |
| Cost of savings and money market deposits | 1.08% | 1.08% | +0.00 pts | See points |
| Cost of time deposits | 3.32% | 3.27% | +0.05 pts | See points |
| Total interest expense to average assets | 0.82% | 0.86% | -0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $773M | $684M | $458M | 0.77% | 7.92% | 3.54% |
| 2026-06-30 | $762M | $673M | $452M | 0.77% | 8.01% | 3.55% |
| 2026-03-31 | $780M | $685M | $470M | 0.70% | 7.32% | 3.40% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| CA | $693M | 0.04% | 98 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.