Is Bac Community Bank Safe?
Bac Community Bank has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (39/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 16.06% | 100/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 41.78% | 100/100 |
| Return on Assets | 0.48% | 39/100 |
| Total Assets | $0.8B | |
How does Bac Community Bank compare?
With a Bank Health Score of 94/100, Bac Community Bank sits 24.0 points above the national average of 70/100 for FDIC-insured banks. Within California, where 123 FDIC-insured banks are headquartered, Bac Community Bank ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 16.06% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Bac Community Bank's Bank Health Score held roughly steady at 94/100. Tier 1 capital strengthened by 0.21 percentage points to 16.06%.
Bac Community Bank has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (39/100).