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Data through Q3 2026 · 4,200 institutions
Regulatory profile
San Francisco, CA · FDIC certificate #58069
BANK OF SAN FRANCISCO is an FDIC-insured institution based in San Francisco, CA (FDIC certificate #58069). In its Q3 2026 Call Report it reported total assets of $930M, total deposits of $805M and net loans of $729M. Its primary federal regulator is FDIC.
Plain-language readout
BANK OF SAN FRANCISCO has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $930M in Q3 2026 and were lowest at $768M in Q1 2026.
Total deposits were highest at $805M in Q3 2026 and lowest at $670M in Q1 2026.
Over the whole period total assets rose 21.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $930M | $805M | $729M | 0.96% | 9.19% | 4.26% |
| Q2 2026 | $864M | $741M | $688M | 0.93% | 8.64% | 4.34% |
| Q1 2026 | $768M | $670M | $629M | 1.07% | 9.58% | 4.54% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $124.0M | $92.1M | +$31.9M | +34.6% |
| 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) | $30.0M | $25.9M | +$4.2M | +16.1% |
| 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) | $687.5M | $629.3M | +$58.2M | +9.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $9.8M | $10.1M | -$296K | -2.9% |
| 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) | $41K | $45K | -$4K | -8.9% |
| All other assets | $12.2M | $10.1M | +$2.1M | +20.5% |
| Total assets | $863.6M | $767.5M | +$96.0M | +12.5% |
| Liabilities | ||||
| Total deposits | $740.7M | $670.0M | +$70.7M | +10.6% |
| 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 | $24.0M | $0K | +$24.0M | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $12.0M | $12.4M | -$399K | -3.2% |
| Total liabilities | $776.7M | $682.4M | +$94.3M | +13.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $29.9M | $29.6M | +$255K | +0.9% |
| Surplus | $0K | $0K | $0K | n/a |
| Retained earnings | $57.2M | $55.5M | +$1.7M | +3.0% |
| Accumulated other comprehensive income | -$197K | -$30K | -$167K | -556.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $86.9M | $85.1M | +$1.7M | +2.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $627K | $835K | -$208K | -24.9% |
| Adjusted nonperforming assets | $627K | $835K | -$208K | -24.9% |
| Tangible equity plus allowance | $95.1M | $92.8M | +$2.3M | +2.5% |
| Texas ratio (gross) | 0.66% | 0.90% | -0.24 pts | See points |
| Texas ratio (adjusted) | 0.66% | 0.90% | -0.24 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.75% | 1.03% | -0.29 pts | See points |
| Tier 1 capital to risk-weighted assets | 14.36% | 15.59% | -1.23 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 14.36% | 15.59% | -1.23 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 | 15.61% | 16.84% | -1.23 pts | See points |
| Tier 1 leverage (approximate) | 10.92% | 11.27% | -0.36 pts | See points |
| Construction and land loans to total capital | 12.96% | 12.46% | +0.50 pts | See points |
| Commercial real estate to total capital | 234.58% | 212.88% | +21.69 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.32% | -0.05% | -0.27 pts | See points |
| Liquidity | ||||
| Core deposits | $637.8M | $596.2M | +$41.6M | +7.0% |
| Non-core funding | $126.9M | $73.8M | +$53.1M | +72.0% |
| Loans to core deposits | 109.10% | 106.85% | +2.25 pts | See points |
| Loans to deposits | 93.94% | 95.08% | -1.14 pts | See points |
| Brokered deposits share of deposits | 4.97% | 2.99% | +1.98 pts | See points |
| Pledged securities share of securities | 69.26% | 88.52% | -19.26 pts | See points |
| Loans pledged, share of loans | 67.11% | 65.89% | +1.22 pts | See points |
| Volatile liabilities | $126.9M | $73.8M | +$53.1M | +72.0% |
| Earnings | ||||
| Earnings before provision, year to date | $6.0M | $3.1M | +$2.9M | +96.0% |
| Earnings before provision, single quarter | $2.9M | $3.1M | -$122K | -4.0% |
| Provision for credit losses, year to date | $880K | $200K | +$680K | +340.0% |
| Yield and cost | ||||
| Yield on loans and leases | 5.82% | 5.66% | +0.16 pts | See points |
| Yield on interest-bearing balances due from banks | 3.70% | 3.63% | +0.07 pts | See points |
| Total interest income to average assets | 5.41% | 5.32% | +0.08 pts | See points |
| Cost of interest-bearing transaction accounts | 0.77% | 0.58% | +0.20 pts | See points |
| Cost of savings and money market deposits | 1.83% | 1.75% | +0.08 pts | See points |
| Cost of time deposits | 3.48% | 3.36% | +0.12 pts | See points |
| Total interest expense to average assets | 1.26% | 0.98% | +0.27 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 | $930M | $805M | $729M | 0.96% | 9.19% | 4.26% |
| 2026-06-30 | $864M | $741M | $688M | 0.93% | 8.64% | 4.34% |
| 2026-03-31 | $768M | $670M | $629M | 1.07% | 9.58% | 4.54% |
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 | $582.2M | 0.03% | 104 | 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.