Total Assets
$786M
Total balance-sheet footings
FDIC Cert #19434 · Stockton, California · Est. 1965
BAC Community Bank - FDIC Bank Health Profile
Free, sourced directly from the FDIC BankFind Suite and quarterly Call Report, capital, profitability, and safety metrics, refreshed each quarter.
- $786M
- Total assets
- B
- Health grade · Good
- 0.70%
- Return on assets
- 15.8%
- Tier 1 capital
The verdict
BAC Community Bank earns a PlainBankData health grade of B (78/100), with well-capitalized at 15.85% Tier 1, 0.70% ROA, 78% efficiency ratio.
- #1,275
- largest of 4,313 FDIC banks by assets
- 70th
- percentile by asset size, nationally
- 15.85%
- Tier 1 ratio - above the 10% well-capitalized line
- 24th
- percentile for profitability (ROA), nationally
Health grades are PlainBankData's interpretation of FDIC Call Report data — not official FDIC ratings. Every dollar on deposit remains FDIC-insured to $250,000 per depositor, per category, regardless of grade.
Balance sheet at a glance
Total Deposits
$671M
Customer-funded liabilities
Net Loans
$475M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Basel III capital ratios - BAC Community Bank
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.85% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
15.85%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
0.07%
Equity Capital
Tangible book value as a capital buffer
$74M
Profitability metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1% · 24.4th pct nationally
0.70%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
7.86%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
78.38%
What the numbers say about BAC Community Bank
BAC Community Bank is an FDIC-insured institution (Certificate #19434) headquartered in Stockton, California, established in 1965. It holds $786M in total assets — 1,275th of 4,313 FDIC-insured banks, $671M in customer deposits, and $475M in net loans. On safety, its Tier 1 capital ratio of 15.85% is above the 10% well-capitalized threshold, and its Texas Ratio of 0.07% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (78/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Not financial advice. Health grades are PlainBankData's interpretation of regulatory filings, not official FDIC ratings or predictions. Every dollar on deposit is FDIC-insured to $250,000 per depositor, per ownership category — regardless of grade.
Income & expense breakdown
$31M
Interest Income
$3M
Non-Interest Income
$21M
Non-Interest Expense
Asset quality — Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. BAC Community Bank reports a Texas Ratio of 0.07% — comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.07% — lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
FDIC deposit insurance
BAC Community Bank is FDIC-insured (Certificate #19434). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
Top banks in California by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) BAC Community Bank (FDIC Cert #19434) — Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |
Frequently asked questions
What is BAC Community Bank's health grade?▼
BAC Community Bank receives a health grade of B (78/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is BAC Community Bank?▼
BAC Community Bank holds $786M in total assets and $671M in deposits, ranking 1,275th of 4,313 FDIC-insured banks by asset size. It is headquartered in Stockton, California.
Is my money safe at BAC Community Bank?▼
Yes. BAC Community Bank is FDIC-insured (Certificate #19434). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is BAC Community Bank's Tier 1 Capital Ratio?▼
BAC Community Bank has a Tier 1 Capital Ratio of 15.85%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for BAC Community Bank?▼
BAC Community Bank has a Texas Ratio of 0.07%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is BAC Community Bank?▼
BAC Community Bank has an Efficiency Ratio of 78.38%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read BAC Community Bank's profile as a depositor or analyst.
- BAC Community Bank's grade reflects capital, profitability, and asset quality — read the four pillars before drawing conclusions. How grades work
- Deposits are FDIC-insured to $250,000 per depositor, per category — confirm your coverage if balances are large. FDIC insurance explained
- Compare BAC Community Bank against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Data compiled from official U.S. government datasets (FDIC BankFind Suite, Call Report FFIEC 031/041). See our methodology for the full ETL pipeline, source vintage, and column lineage.
Disclaimer: Provided for informational purposes only; not professional advice. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.