Bank of Southern Ca NA
San Diego, California · FDIC Cert #57044
Bank of Southern Ca NA is an FDIC-insured bank (Certificate #57044) with $2.3B in total assets and $1.9B in total deposits as of the Q2 2024 Call Report. Headquartered in San Diego, California, the bank maintains a Tier 1 capital ratio of 13.29% (Well-Capitalized) and a nonperforming loan ratio of 0.25%. BankHealthData assigns a composite Health Grade of B (69/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bank of Southern Ca NA (FDIC cert 57044) is a mid-sized bank with $2.3B in total assets and $1.9B in deposits, based in San Diego, California. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 13.29% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.25% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 10.2% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is thin: ROA of 0.72% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Bank of Southern Ca NA carries a composite BankHealth grade of B (69/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bank of Southern Ca NA
- Total Assets
- $2.3B
- Total Deposits
- $1.9B
- Tier 1 Capital Ratio
- 13.29%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.25%
- Liquidity Ratio
- 10.21%
- Return on Assets
- 0.72%
- Headquarters
- San Diego, California
- FDIC Certificate
- #57044
- Health Grade
- B (69/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bank of Southern Ca NA holds a Tier 1 capital ratio of 13.29%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bank of Southern Ca NA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bank of Southern Ca NA shows strong financial health indicators. With $2.3B in assets and a Health Score of 69/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bank of Southern Ca NA Compares
Bank of Southern Ca NA’s Health Score of 69 is 3 points below the California state average of 72 across 123 FDIC-insured banks. Its 13.29% Tier 1 capital ratio is 0.7 points below the US banking industry average near 14%. The 0.25% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.72% is below the national ROA benchmark of ~1.1%. Among 544 similarly-sized banks, the average Health Score is 72, meaning this bank ranks below its size cohort. Site-wide, Bank of Southern Ca NA is 1 points below the portfolio average of 70.
Frequently Asked Questions
Bank of Southern Ca NA has a Bank Health Score of B (69/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 13.29%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bank of Southern Ca NA's Tier 1 capital ratio of 13.29% and nonperforming loan ratio of 0.25% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bank of Southern Ca NA is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #57044). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bank of Southern Ca NA holds $2.3B in total assets and $1.9B in total deposits. It is headquartered in San Diego, California (FDIC Certificate #57044).
Bank of Southern Ca NA has a Tier 1 capital ratio of 13.29%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.25%, and the return on assets is 0.72%.
Yes. Bank of Southern Ca NA is FDIC-insured (Certificate #57044). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bank of Southern Ca NA's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.