Updated June 2026 · FDIC Call Report Q2 2024
Banks in San Francisco, California
8 FDIC-insured banks call San Francisco home, with $21.6B in combined assets. The local cohort posts an average Bank Health Score of 83/100 against a Tier 1 capital ratio of 40.12% and an NPL ratio of 1.57%.
San Francisco, California hosts 8 FDIC-insured banks headquartered locally, with an average BankHealth composite score of 83/100. The largest local bank by assets is Bessemer Tr Co of Ca NA. City-level banking concentration reflects historical headquarters geography. Many U.S. cities host community banks chartered specifically for local commercial-lending needs, alongside branch operations of national banks that don't appear in the headquartered-here count.
For local depositors, the BankHealth grade is most useful as a triage signal across the locally-headquartered options. Branch-only banks (headquartered elsewhere) appear on the per-bank pages of their parent institution rather than on this city page.
San Francisco's Banking Market
San Francisco hosts 8 FDIC-insured banks, a moderate cluster typical of a regional commercial center. At this scale, the local roster often combines a few mid-size community banks with one or two larger regional institutions, with depositor choice driven more by relationship and product fit than by any single bank's scale.
Banks in San Francisco post an average Bank Health Score of 83/100 — strong by national standards. 63% of local banks earn A grades, and only 0% land in D or F territory. The cohort average is well above the national average, suggesting both locally headquartered banks and regional branches in this market run conservatively capitalized.
Local risk indicators look benign: the average San Francisco bank posts 40.12% Tier 1 capital and a 1.57% NPL ratio. Both readings are consistent with conservatively run institutions; quarter-to-quarter movement is worth monitoring on individual bank pages.
San Francisco Banking Snapshot
| Banks headquartered or chartered locally | 8 |
| Combined assets | $21.6B |
| Average Bank Health Score | 83/100 |
| Average Tier 1 capital ratio | 40.12% |
| Average NPL ratio | 1.57% |
| Average liquidity ratio | 31.95% |
| Grade distribution (A · B · C · D · F) | 5 · 3 · 0 · 0 · 0 |
All Banks in San Francisco
| # | Bank | Grade | Score | Assets | Tier 1 Capital | NPL Ratio | Liquidity |
|---|---|---|---|---|---|---|---|
| 1 | Bessemer Tr Co of Ca NA | A | 100 | $15M | 99.11% | 0.00% | 97.53% |
| 2 | Beacon Business Bank NA | A | 92 | $174M | 19.19% | 0.00% | 41.98% |
| 3 | Bank of America Ca NA | A | 85 | $15.0B | 29.72% | 0.73% | 24.38% |
| 4 | Blackrock Instl Tr Co NA | A | 85 | $4.5B | 66.06% | 0.00% | 14.60% |
| 5 | Mission National Bank | A | 80 | $217M | 17.66% | 0.00% | 19.40% |
| 6 | Bank of the Orient | B | 79 | $938M | 14.16% | 0.02% | 15.80% |
| 7 | Bank of San Francisco | B | 78 | $614M | 17.44% | 0.70% | 14.75% |
| 8 | California Pacific Bank | B | 67 | $91M | 57.63% | 11.08% | 27.17% |
For San Francisco Depositors
FDIC insurance protects deposits at every bank on this list up to $250,000 per depositor, per insured bank, per ownership category — identical coverage regardless of where the bank is located or how it scores on this page. The Bank Health Score is a relative ranking of regulatory cushion, not a guarantee of safety. Confirm your bank's FDIC status and your specific coverage at FDIC.gov before making decisions.
For depositors who hold combined balances above $250,000 across multiple accounts at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement — affects coverage. Federal regulators publishing rules at the OCC and the FDIC update guidance periodically; FDIC.gov is the authoritative source.
How These Scores Are Calculated
Every bank on this page earns a Bank Health Score from four FDIC Call Report inputs: Tier 1 capital ratio (35%), NPL ratio inverted (30%), liquidity ratio (25%), and return on assets (10%). The composite is reported as a 0–100 score and an A–F letter grade. Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.
Frequently Asked Questions
How many banks are in San Francisco?
8 FDIC-insured banks are chartered or headquartered in San Francisco, California, holding $21.6B in combined assets. San Francisco hosts 8 FDIC-insured banks, a moderate cluster typical of a regional commercial center. At this scale, the local roster often combines a few mid-size community banks with one or two larger regional institutions, with depositor choice driven more by relationship and product fit than by any single bank's scale.
What is the average bank health score in San Francisco?
Banks in San Francisco post an average Bank Health Score of 83/100 — strong by national standards. 63% of local banks earn A grades, and only 0% land in D or F territory. The cohort average is well above the national average, suggesting both locally headquartered banks and regional branches in this market run conservatively capitalized. The local cohort averages a Tier 1 capital ratio of 40.12% and an NPL ratio of 1.57%.
Are banks in San Francisco riskier than the national average?
Local risk indicators look benign: the average San Francisco bank posts 40.12% Tier 1 capital and a 1.57% NPL ratio. Both readings are consistent with conservatively run institutions; quarter-to-quarter movement is worth monitoring on individual bank pages.
Are deposits at San Francisco banks FDIC-insured?
Every bank on this page is FDIC-insured, which protects deposits up to $250,000 per depositor, per insured bank, per ownership category. Insurance is identical regardless of bank size or location. Verify your specific coverage at FDIC.gov, particularly if you hold balances above the $250,000 limit.
Where does this data come from?
All bank financials on this page are pulled from the FDIC BankFind API, which sources directly from quarterly Call Reports filed with the FFIEC. Health Scores are computed from a transparent four-factor formula (Tier 1 capital 35%, NPL ratio 30%, liquidity 25%, ROA 10%). All data is U.S. government public domain.
Sources: FDIC BankFind API ( banks.data.fdic.gov); FFIEC Call Reports ( cdr.ffiec.gov/public); OCC ( occ.gov). Public domain.
Last updated 2026-06-29 · Data covers 8 San Francisco banks. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.