Safest Banks in California 2026
California has 123 FDIC-insured banks with an average Bank Health Score of 72/100 (B). The safest bank is Summit Bank with a score of 100/100.
Data from FDIC Q2 2024
Top 20 of 123 Banks in California
| # | Bank | City | Grade | Score | Tier 1 Capital | NPL Ratio |
|---|---|---|---|---|---|---|
| 1 | Summit Bank | Oakland | A | 100 | 21.55% | 0.00% |
| 2 | Capital Bank&Trust Co | Irvine | A | 100 | 190.32% | 0.00% |
| 3 | Westamerica Bank | San Rafael | A | 99 | 15.10% | 0.19% |
| 4 | Bank of Stockton | Stockton | A | 98 | 16.83% | 0.14% |
| 5 | Hcn Bank | Riverside | A | 97 | 13.97% | 0.00% |
| 6 | Citizens Business Bank | Ontario | A | 97 | 15.13% | 0.29% |
| 7 | First American Trust FSB | Santa Ana | A | 97 | 38.40% | 0.00% |
| 8 | Hatch Bank | San Marcos | A | 96 | 36.80% | 0.13% |
| 9 | Oak Valley Community Bank | Oakdale | A | 96 | 14.13% | 0.00% |
| 10 | Pacific Coast Bankers Bank | Walnut Creek | A | 96 | 27.24% | 0.00% |
| 11 | River Valley Community Bank | Yuba City | A | 96 | 15.00% | 0.00% |
| 12 | Golden Valley Bank | Chico | A | 96 | 16.43% | 0.00% |
| 13 | Plumas Bank | Quincy | A | 95 | 16.36% | 0.90% |
| 14 | Bank of Ny Mellon Tr Co NA | Los Angeles | A | 95 | 328.90% | 0.00% |
| 15 | El Dorado Savings Bank FSB | Placerville | A | 95 | 45.64% | 0.21% |
| 16 | Community Bk of Santa Maria | Santa Maria | A | 95 | 14.52% | 0.00% |
| 17 | Commerce West Bank | Irvine | A | 95 | 18.41% | 0.66% |
| 18 | Bac Community Bank | Stockton | A | 94 | 16.06% | 0.00% |
| 19 | First Northern Bank of Dixon | Dixon | A | 93 | 15.44% | 0.64% |
| 20 | Infinity Bank | Santa Ana | A | 93 | 15.09% | 1.01% |
Bank Health Scores for California are calculated from FDIC Call Report data including Tier 1 capital ratios, nonperforming loan ratios, liquidity ratios, and return on assets.
Frequently Asked Questions
Based on our Bank Health Score analysis of FDIC data, Summit Bank in Oakland is currently the safest bank in California with a score of 100/100 (Grade A).
California has 123 FDIC-insured banks with a combined $541.2B in total assets. The average Bank Health Score across the state is 72/100.
The Bank Health Score (0-100) is based on four FDIC-reported metrics: Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%). Higher scores indicate stronger financial health.
Bank Health Scores are computed from quarterly FDIC Call Report data. Tier 1 capital ratio (35%), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).