FDIC Cert #58069 · San Francisco, California · Est. 2005

Bank of San Francisco - FDIC Bank Health Profile

A community-scale look at Bank of San Francisco's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$733M
Total assets
A
Health grade · Excellent
1.01%
Return on assets
16.1%
Tier 1 capital

Data updated July 2026

The verdict

Bank of San Francisco earns a PlainBankData health grade of A (88/100), with well-capitalized at 16.14% Tier 1, profitable at 1.01% ROA, 64% efficiency ratio.

#1,339
largest of 4,313 FDIC banks by assets
69th
percentile by asset size, nationally
16.14%
Tier 1 ratio - above the 10% well-capitalized line
44th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 58069 · CA A · 88/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (88/100)
  • UPPER-Q #933/4307
  • PHOTO-FINISH Flint Community Bank · GA
  • TIER1-WELL 16.1% Tier 1
  • TEXAS-CLEAN 0.7% Texas
  • ROA-PAR 1.01% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside California: Flint Community Bank, GA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bank of San Francisco

Lowest and highest poles plus nearest scored peers outside California, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of San Francisco · CA ·…88/100Eagle Bank · MT · near88/100Flint Community Bank · GA · …88/100Sallie Mae Bank · UT · near88/100Verus Bank of Commerce · CO …88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bank of San Francisco · July 2026

Call Report read for Bank of San Francisco in a high-failure state

Bank of San Francisco (FDIC Cert #58069) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #933 of 4,307. Tier 1 capital prints at 16.14%, clearing the 10% well-capitalized line. The Texas Ratio is 0.74%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.01%. Balance-sheet scale is $733M, 1,339th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Flint Community Bank (GA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bank of San Francisco

44 FAILURE resolutions in California since 2000, heavy vs the state corpus

Bank of San Francisco sits in one of the heavier post-2000 FAILURE states (44 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Bank of San Francisco's current Call Report.

  • FIRST REPUBLIC BANK SAN FRANCISCO, CA 2023 → JPMORGAN CHASE BANK, N.A.
  • SILICON VALLEY BANK SANTA CLARA, CA 2023 → FIRST-CITIZENS BANK & TRUST COMPANY
  • FRONTIER BANK, FSB PALM DESERT, CA 2014 → BANK OF SOUTHERN CALIFORNIA, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and California banks.

How Bank of San Francisco's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
Bank of San Francisco's composite health score
Tier 1 Capital Ratio (16.14%) 40/40
Return on Assets (ROA) (1.01%) 20/25
Texas Ratio (0.74%) 20/20
Efficiency Ratio (63.60%) 8/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$733M

Total balance-sheet footings

Total Deposits

$638M

Customer-funded liabilities

Net Loans

$615M

Outstanding loan book

Net Income

$7M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.74% 16.14% 17.54%
Basel III capital ratios - Bank of San Francisco

Where Bank of San Francisco ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bank of San Francisco's score of 88/100 falls in the highlighted band.

Bank of San Francisco: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 22% higher than 78% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bank of San Francisco 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bank of San Francisco's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bank of San Francisco's $733M falls in the highlighted band.

Capital & credit buffers at Bank of San Francisco

Tier 1 capital ratio
Well-capitalized 10%

16.14% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
16.14%
Texas Ratio
0.74%
Equity Capital
$83M

What these ratios mean →

Earnings posture at Bank of San Francisco

Return on Assets (ROA)
44th percentile nationally
1.01%
Return on Equity (ROE)
8.60%
Efficiency Ratio
63.60%

What these mean →

Income & expense at Bank of San Francisco

$36M
Interest Income
$601K
Non-Interest Income
$19M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bank of San Francisco reports a Texas Ratio of 0.74% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.74% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bank of San Francisco on FDIC BankFind →

Top banks in California by total assets

Largest banks headquartered in California
  1. 1
    City National Bank $98.4B

    Los Angeles, CA · Grade A

  2. 2
    East West Bank $79.7B

    Pasadena, CA · Grade A

  3. 3
    Banc of California $34.7B

    Los Angeles, CA · Grade B

  4. 4
    Axos Bank $27.2B

    San Diego, CA · Grade A

  5. 5
    Cathay Bank $24.2B

    Los Angeles, CA · Grade A

Top 5 banks in California ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($733M here), outside California so the neighborhood is not state containment.

Oconee State Bank $734M · GA First Southern Bank $732M · AL Dairy State Bank $732M · WI Pioneer Trust Bank $735M · OR

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bank of San Francisco (FDIC Cert #58069) - 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.

Bank of San Francisco Call Report profile · FDIC Failed Bank List · California FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in California

All California banks →
BankAssetsGradeROA
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%