Updated April 2026 · FDIC Call Report Q2 2024
Banks in California
123 FDIC-insured banks are chartered in California, holding $541.2B in combined assets. The state-wide average Bank Health Score is 72/100 (B), built from quarterly FDIC Call Report data on capital, loan quality, liquidity, and profitability.
Across California, 123 FDIC-insured banks hold $541.2B in total assets. Average BankHealth composite score: 72/100 (average grade B). Moderate state-level scores typically reflect a healthy mix with some banks under pressure.
Top bank by assets: Summit Bank. 10 banks in California flagged as at-risk; the state-level rollup reflects average performance across the cohort. Each bank below links to its full BankHealth profile — Tier 1 capital ratio, non-performing loan ratio, liquidity ratio, ROA, multi-quarter trend, and the composite grade breakdown. Cross-bank comparisons within the same state are most useful when controlling for size class.
California's Banking Sector
California hosts a substantial banking sector — 123 FDIC-insured institutions holding $541.2B in combined assets. The mix ranges from regional commercial banks to small community institutions serving rural communities, with depositor choice typically strong across both urban and rural markets.
Banks in California post an average Bank Health Score of 72/100 (B) — solidly in B territory, broadly aligned with U.S. industry norms. Most banks in the state meet the regulatory "well-capitalized" threshold with material room to spare, though there is meaningful variation across individual institutions.
10 of 123 banks in California (about 8%) currently land in the at-risk tier on the current Call Report. That count is roughly in line with national norms, and reflects the natural tail of any large cohort rather than a state-specific concentration.
Healthiest Banks in California
Summit Bank
Capital Bank&Trust Co
Westamerica Bank
Bank of Stockton
Hcn Bank
Citizens Business Bank
First American Trust FSB
Hatch Bank
Oak Valley Community Bank
Pacific Coast Bankers Bank
Banks Showing Weakness in California
Metropolitan Bank
Balboa Thrift&Loan Assn
Icon Business Bank
Home Bank of California
Summit State Bank
Evertrust Bank
Pacific Alliance Bank
American Plus Bank N A
Tustin Community Bank
Pacific Valley Bank
For California Depositors
FDIC insurance protects deposits at every bank on this page up to $250,000 per depositor, per insured bank, per ownership category — identical coverage regardless of state. The Bank Health Score ranks regulatory cushion across institutions; it is not a guarantee. Confirm your bank's FDIC status and your specific coverage at FDIC.gov before making changes.
Federal regulators — including the OCC for national charters and the FDIC for state-chartered insured banks — oversee the institutions on this page. Quarterly FFIEC Call Reports are public and provide line-item detail behind every metric here.
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 grade. Read the full methodology.
Frequently Asked Questions
How many banks are in California?
123 FDIC-insured banks are chartered in California, holding $541.2B in combined assets. California hosts a substantial banking sector — 123 FDIC-insured institutions holding $541.2B in combined assets. The mix ranges from regional commercial banks to small community institutions serving rural communities, with depositor choice typically strong across both urban and rural markets.
What is the average bank health score in California?
Banks in California post an average Bank Health Score of 72/100 (B) — solidly in B territory, broadly aligned with U.S. industry norms. Most banks in the state meet the regulatory "well-capitalized" threshold with material room to spare, though there is meaningful variation across individual institutions.
Which banks in California are showing the most stress?
10 of 123 banks in California (about 8%) currently land in the at-risk tier on the current Call Report. That count is roughly in line with national norms, and reflects the natural tail of any large cohort rather than a state-specific concentration. See the "Banks Showing Weakness" section above for the specific institutions and their Health Score factors.
Are banks in California FDIC-insured?
Yes. Every bank on this page is FDIC-insured, which protects deposits up to $250,000 per depositor, per insured bank, per ownership category. FDIC insurance is identical regardless of state. Verify your bank's status and your specific coverage at FDIC.gov, particularly if you hold combined balances above the $250,000 limit.
Where does this data come from?
All bank financials 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 using public Call Report fields. 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 2026-04-06 · Data covers 123 California banks. Informational only; not investment advice.