State directory · CA

California Banks

Every FDIC-insured bank headquartered in California, with health grades, capital, and profitability from the quarterly FDIC Call Report.

Compiled from official source data by PlainBankData Editorial
121
FDIC banks
78/100
Avg health score
$569.0B
Total assets
44
Failures since 2000

Data updated July 2026

The state picture

California's 121 FDIC banks hold $569.0B in assets and average 78/100 on health - 83% earn an A or B grade.

121
FDIC-insured banks
83%
grade A or B (101 banks)
$98.4B
largest - City National Bank
44
failures since 2000

Figures from public FDIC Call Reports. A lower grade does not mean your money is at risk, deposits are FDIC-insured to $250,000 per depositor, per category, at every bank here.

For context: California's average health score of 78/100 is above the 77/100 national average across all FDIC-insured banks PlainBankData tracks.

Health grade distribution

A
67
55% of banks
B
34
28% of banks
C
11
9% of banks
D
6
5% of banks
F
3
2% of banks

Largest banks in California

Top 10 California banks by total assets
  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

  6. 6
    Mechanics Bank $22.4B

    Walnut Creek, CA · Grade A

  7. 7
    Bank of Hope $18.5B

    Los Angeles, CA · Grade B

  8. 8
    Citizens Business Bank $15.6B

    Ontario, CA · Grade A

  9. 9
    Bank of America California $15.5B

    San Francisco, CA · Grade A

  10. 10
    First Foundation Bank $11.9B

    Irvine, CA · Grade C

Top 10 of 121 California banks · FDIC Call Report Q4 2025.

California banks by health grade

0 10 20 30 40 50 60 70 A B C D F 67 34 11 6 3

How California compares nationally

California ranks #19 of 55 states and territories by average bank health score - better than 67% of them.

States grouped by average health score

All 121 California banks · Page 1 of 2

Bank Assets Grade
City National Bank $98.4B A
East West Bank $79.7B A
Banc of California $34.7B B
Axos Bank $27.2B A
Cathay Bank $24.2B A
Mechanics Bank $22.4B A
Bank of Hope $18.5B B
Citizens Business Bank, National Association $15.6B A
Bank of America California, National Association $15.5B A
First Foundation Bank $11.9B C
Farmers and Merchants Bank of Long Beach $11.8B A
Tri Counties Bank $9.8B A
Mizrahi Tefahot Bank, Ltd. $8.7B F
Hanmi Bank $7.8B A
SMBC MANUBANK $7.7B C
Preferred Bank $7.6B A
Poppy Bank $7.6B A
First American Trust, FSB $6.8B A
Westamerica Bank $5.9B A
Fremont Bank $5.9B B
River City Bank $5.8B A
Heritage Bank of Commerce $5.8B B
Farmers & Merchants Bank of Central California $5.7B A
CTBC Bank Corp. (USA) $5.6B A
Bank of Stockton $4.8B A
Five Star Bank $4.8B A
American Business Bank $4.4B A
Royal Business Bank $4.2B A
California Bank of Commerce, National Association $4.0B A
Bank of Marin $3.9B C
Bank of the Sierra $3.8B A
Commercial Bank of California $3.7B A
Community West Bank $3.7B A
Exchange Bank $3.3B A
PCB Bank $3.3B A
West Coast Community Bank $2.9B A
Open Bank $2.7B A
United Business Bank $2.6B A
Avidbank $2.6B C
CalPrivate Bank $2.5B A
El Dorado Savings Bank, F.S.B. $2.5B A
Plumas Bank $2.2B A
Montecito Bank & Trust $2.1B C
Oak Valley Community Bank $2.0B A
Commonwealth Business Bank $2.0B B
Beneficial State Bank $2.0B D
First Northern Bank of Dixon $1.9B A
Mission Bank $1.9B A
FFB Bank $1.6B A
US Metro Bank $1.6B B
Commerce West Bank $1.5B A
Malaga Bank F.S.B. $1.4B A
American Riviera Bank $1.4B B
The Bank of New York Mellon Trust Company, National Association $1.4B A
Savings Bank of Mendocino County $1.3B A
State Bank of India (California) $1.3B A
United Security Bank $1.2B A
Provident Savings Bank, F.S.B. $1.2B B
Pacific Coast Bankers' Bank $1.1B B
First General Bank $1.1B A
Bank of the Orient $1.1B B
EverTrust Bank $1.1B A
Summit State Bank $1.0B B
C3bank, National Association $996M A
HCN Bank $975M A
Golden State Bank $954M B
Pinnacle Bank $890M B
Nano Banc $875M F
American Plus Bank, N.A. $867M A
Column National Association $850M A
First Commercial Bank (USA) $836M A
BAC Community Bank $786M B
Endeavor Bank $770M B
River Valley Community Bank $760M B
Mission Valley Bank $760M B
Bank of San Francisco $733M A
Partners Bank of California $713M A
Pacific Valley Bank $710M B
GBC International Bank $681M A
Golden Valley Bank $592M A
Redwood Capital Bank $532M A
New OMNI Bank, National Association $520M B
Mega Bank $510M B
First Credit Bank $501M A
Chino Commercial Bank, N.A. $493M A
First Pacific Bank $489M C
Liberty Bank, National Association $442M C
Pacific Alliance Bank $440M B
Community Bank of Santa Maria $429M A
Genesis Bank $415M B
Community Commerce Bank $412M B
Balboa Thrift and Loan Association $410M C
American Continental Bank $378M A
Universal Bank $371M C
Murphy Bank $365M A
Infinity Bank $356M A
Community Valley Bank $325M F
Bank Irvine $286M A
Monterey County Bank $283M D
Summit Bank $279M A

How to read the California bank directory

This page lists every FDIC-insured bank with a primary regulatory address in California. Both state-chartered and nationally-chartered banks appear when the FDIC institution directory places their headquarters here. Branch locations, ATM networks, and credit unions are not in scope, this is a headquarters-anchored view. The 121 institutions shown reflect the most recent quarterly FDIC release.

Health grade interpretation

Each bank's letter grade (A–F) is computed from four FDIC-reported metrics: Tier 1 capital ratio, return on assets, the Texas Ratio (non-performing assets ÷ tangible capital), and the efficiency ratio. Across California, 101 institutions (83%) sit in the A or B band, while 9 (7%) fall in the D or F band. The C cluster, the broad middle, typically captures roughly half of any state's banks and is not a warning signal on its own.

When failures matter

Since 2000, 44 banks headquartered in California have failed. Every depositor was made whole up to the standard FDIC ceiling ($250,000 per depositor, per ownership category, per institution). Failures cluster around macro events (the 2008–2010 wave, the 2023 regional-bank stress) rather than steady attrition, so a clean recent record reflects the absence of a triggering shock more than guaranteed safety. The "Under Stress" ranking is more forward-looking, because it scores current capital and credit-loss capacity.

Sources, refresh cadence, and corrections

Every figure derives from the FDIC Quarterly Banking Profile and the FDIC Institution Directory, both public-domain. We re-pull on the FDIC's schedule (quarterly release plus monthly directory deltas for mergers and closures). Asset and capital figures are reported as of the most recent quarter-end and lag the calendar by ~90 days, the FDIC's reporting lag, not ours.

Using the California directory

Three ways to put this state view to work.

Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings.

Data compiled from the Federal Deposit Insurance Corporation (FDIC) (FDIC Quarterly Banking Profile, Institution Directory, Failed Bank List). See our methodology for the full pipeline and source vintage.

Retrieved and compiled by PlainBankData Editorial from FDIC Call Report (FFIEC 031/041) filings, Q4 2025.

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Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. This page draws directly on FDIC federal source data, no figure is typed in by an editor. 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.