Updated June 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 82/100 (A), built from quarterly FDIC Call Report data on capital, loan quality, liquidity, and profitability.
California has 123 FDIC-insured banks headquartered in the state, holding $541.2B in total assets. The average BankHealth composite score across California banks runs 82/100 (average grade A) — favorable territory for a state-level rollup.
The largest bank by total assets in California is Summit Bank. 10 banks are flagged as at-risk under the BankHealth rubric — typically a low share for a state with strong average scores. 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 are healthy on average — the cohort posts a Bank Health Score of 82/100 (A), comfortably stronger than the national bank median. State-level averages of this caliber typically reflect a combination of conservative underwriting, diversified loan books, and strong capital cushions. That said, dispersion across individual banks is always wider than the average suggests; specific bank profiles still warrant individual review.
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
State Street B&T Co of Ca NA
Deutsche Bank National Tr Co
Capital Bank&Trust Co
Bessemer Tr Co of Ca NA
Westamerica Bank
Bank of Stockton
Hcn Bank
Citizens Business Bank
First American Trust FSB
Banks Showing Weakness in California
Summit State Bank
Metropolitan Bank
Balboa Thrift&Loan Assn
Eh National Bank
Monterey County Bank
First Fs&la of San Rafael
California Bank of Commerce
Nano Banc
California Pacific Bank
Home Bank of California
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 are healthy on average — the cohort posts a Bank Health Score of 82/100 (A), comfortably stronger than the national bank median. State-level averages of this caliber typically reflect a combination of conservative underwriting, diversified loan books, and strong capital cushions. That said, dispersion across individual banks is always wider than the average suggests; specific bank profiles still warrant individual review.
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 2026-06-29 · Data covers 123 California banks. Informational only; not investment advice.