Total Assets
$182M
Total balance-sheet footings
FDIC Cert #25803 · San Marcos, California · Est. 1982
Hatch Bank - FDIC Bank Health Profile
A community-scale look at Hatch Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $182M
- Total assets
- A
- Health grade · Excellent
- 3.50%
- Return on assets
- 29.2%
- Tier 1 capital
Data updated July 2026
The verdict
Hatch Bank earns a PlainBankData health grade of A (97/100), with well-capitalized at 29.22% Tier 1, profitable at 3.50% ROA, efficient (59% cost ratio).
- #3,138
- largest of 4,313 FDIC banks by assets
- 27th
- percentile by asset size, nationally
- 29.22%
- Tier 1 ratio - above the 10% well-capitalized line
- 99th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Hatch Bank's 97/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Hatch Bank's composite health score
Tier 1 Capital Ratio (29.22%) 40/40
Return on Assets (ROA) (3.50%) 25/25
Texas Ratio (1.72%) 20/20
Efficiency Ratio (58.80%) 12/15
97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$56M
Customer-funded liabilities
Net Loans
$116M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Hatch Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Hatch Bank's score of 97/100 falls in the highlighted band.
Hatch Bank'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). Hatch Bank's $182M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
29.22% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
29.22%
Texas Ratio
1.72%
Equity Capital
$37M
Profitability metrics
Return on Assets (ROA)
99th percentile nationally
3.50%
Return on Equity (ROE)
15.62%
Efficiency Ratio
58.80%
What the numbers say about Hatch Bank
Hatch Bank is an FDIC-insured institution (Certificate #25803) headquartered in San Marcos, California, established in 1982. It holds $182M in total assets - 3,138th of 4,313 FDIC-insured banks, $56M in customer deposits, and $116M in net loans. Capital-wise, the Tier 1 ratio sits at 29.22%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 1.72%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (97 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Hatch Bank sits 109th of 121 banks headquartered in California by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$10M
Interest Income
$7M
Non-Interest Income
$8M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Hatch Bank reports a Texas Ratio of 1.72% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.72% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Hatch Bank (FDIC Cert #25803) - 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 Hatch Bank's health grade?▼
Hatch Bank receives a health grade of A (97/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Hatch Bank?▼
Hatch Bank holds $182M in total assets and $56M in deposits, ranking 3,138th of 4,313 FDIC-insured banks by asset size. It is headquartered in San Marcos, California.
Is my money safe at Hatch Bank?▼
Yes, deposits at Hatch Bank (Certificate #25803) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Hatch Bank's Tier 1 Capital Ratio?▼
Hatch Bank has a Tier 1 Capital Ratio of 29.22%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Hatch Bank?▼
Hatch Bank has a Texas Ratio of 1.72%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Hatch Bank?▼
Hatch Bank has an Efficiency Ratio of 58.80%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Hatch Bank's profile as a depositor or analyst.
- Hatch Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Hatch 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.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.