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Home Bank of California

$100M-$1B Specialty: Commercial CA FDIC cert 26271

San Diego, CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
  • Deposits -6.4% year over year ($192.2M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 2.34%.
  • Efficiency ratio 46.23% vs a 64.48% peer average.
  • Loan-to-deposit ratio 121.22% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 53 in CA
View $100M-$1B leaderboard (CA) →

Home Bank of California has 5 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 16.8% in tier
  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Net Interest Margin 0.55% above tier average
  • + Efficiency Ratio 18.25% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 18.3% in tier
  • - Capital Constraint: Bottom 63.5% in tier
  • - Non-Interest-Bearing Deposit Share 16.55% below tier average
  • - Non-Interest Income / Assets 0.53% below tier average
Get updates when Home Bank of California releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $255.4M
+1.8% YoY +0.2% QoQ
-$131.1M $386.6M
+1.2% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
38%
Total Loans ? $233.0M
+3.4% YoY -0.1% QoQ
-$25.4M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
55%
Total Deposits ? $192.2M
-6.4% YoY -0.5% QoQ
-$134.5M $326.7M
+0.7% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
32%
Return on Assets ? 2.34%
+21.4% YoY +19.7% QoQ
+1.02% 1.32%
+10.8% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
Top 6.6% in tier
Net Interest Margin ? 4.54%
+9.1% YoY +0.6% QoQ
+0.55% 3.99%
+5.0% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
81%
Efficiency Ratio ? 46.23%
-11.1% YoY -15.7% QoQ
-18.25% 64.48%
-3.2% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
Top 10.6% in tier
Delinquency Rate ? 0.00%
-100.0% YoY
-0.92% 0.92%
+15.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 121.22%
+10.5% YoY +0.4% QoQ
+43.27% 77.95%
+1.0% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
Bottom 1.1% in tier
Non-Interest-Bearing Deposit Share ? 5.48%
+0.3% YoY -4.5% QoQ
-16.55% 22.03%
-0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Bottom 4.1% in tier
Nonperforming Asset Ratio ? 0.00%
-100.0% YoY
-0.67% 0.67%
+16.4% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 12.27%
-0.6% YoY +2.4% QoQ
-3.64% 15.91%
+1.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
39%
Non-Interest Income / Assets ? 0.04%
-35.8% YoY +103.8% QoQ
-0.53% 0.57%
+7.6% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
Bottom 3.6% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 5.5%
0.0pp YoY
-0.3pp QoQ
 -16.7pp 22.1% 25.5% 22.2% 4%
Brokered Deposits n/a n/a 7.9% 11.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 4.8%
-0.3pp YoY
+0.2pp QoQ
 -6.8pp 11.6% 11.8% 12.5% 18%
CRE 78.2%
+3.3pp YoY
+1.0pp QoQ
 +38.7pp 39.5% 67.5% 41.4% 97%
1-4 Family 18.5%
-2.9pp YoY
-1.2pp QoQ
 -14.1pp 32.6% 16.5% 31.3% 27%
Consumer n/a n/a 4.1% 5.3% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 23.7% 19.7% n/a
Leverage Ratio 12.3%
-0.1pp YoY
+0.3pp QoQ
 +0.1pp 12.2% 14.5% 12.6% 68%
Total Capital Ratio n/a n/a 19.9% 25.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 20
+1 (+5.3%) YoY
+2 (+11.1%) QoQ
 -39 58 337 482 11%
Assets per Employee ($) $12.8M
-3.3% YoY
-9.8% QoQ
 +$5.3M $7.5M $11.3M $8.8M 94%
Branch Count 1
0 YoY
0 QoQ
 -4 4 15 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.4% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 17.11x 20.23x n/a
Net Charge-off Rate (YTD) -0.0%
0.0pp QoQ
 -0.2pp 0.1% 0.3% 0.2% 19%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 19.2%
+3.2pp YoY
+3.1pp QoQ
 +7.0pp 12.2% 8.2% 11.6% 86%
Cost of Funds (YTD) 3.0%
-0.4pp YoY
0.0pp QoQ
 +1.3pp 1.7% 1.9% 1.7% 98%
Net Income ($, YTD) $3.0M
+23.4% YoY
— QoQ
 +$398K $2.6M $28.5M $40.4M 69%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#112 of 661 • Top 16.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.34%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Deposit Outflow

decline
#99 of 535 • Bottom 18.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Capital Constraint

risk
#69 of 107 • Bottom 63.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 121.22%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 12.27%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
175
Return on Assets
profitability
Value: 2.34%
Peer Median: 1.32%
#175 of 2643 Top 6.6% in $100M-$1B
281
Efficiency Ratio
profitability
Value: 46.23%
Peer Median: 64.48%
#281 of 2643 Top 10.6% in $100M-$1B
506
Net Interest Margin
profitability
Value: 4.54%
Peer Median: 3.99%
#506 of 2643 Top 19.1% in $100M-$1B

Top Weaknesses (3 metrics)

2615
Loan-to-Deposit Ratio
liquidity
Value: 121.22%
Peer Median: 77.95%
#2615 of 2643 Bottom 1.1% in $100M-$1B
2549
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.57%
#2549 of 2643 Bottom 3.6% in $100M-$1B
2536
Non-Interest-Bearing Deposit Share
funding
Value: 5.48%
Peer Median: 22.03%
#2536 of 2643 Bottom 4.1% in $100M-$1B
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