Updated June 2026 · FDIC Call Report Q2 2024

B-Rated Banks in California

44 banks · Average score: 73/100 · Combined assets $180.0B

44 banks in this state currently hold B grades, averaging a composite score of 73/100. Within the tier, individual bank profiles still vary materially on which factor is driving the grade — review the table below for the per-bank breakdown. The tier averages a Tier 1 capital ratio of 15.79% and an NPL ratio of 0.81%, sourced from the most recent FDIC quarterly Call Report.

44 California banks hold a B grade (73/100 average score). B-grade banks sit comfortably above the national median across most factors but lack the cushion of A-grade peers on one or more dimensions.

State-and-grade combinations help depositors and policy researchers identify clusters of banking health (or stress) within a specific geography. The list below ranks California B-grade banks by health score with links to each bank's full profile.

A B C DF

What "B" Means in Practice

B-graded banks in California are healthy mid-tier institutions — composite scores of 65–79. Currently 44 banks fit this category. The typical B-graded bank meets all regulatory thresholds with comfortable margin: solid capital, manageable loan losses, adequate liquidity. Most U.S. banks land in B territory; it's the workhorse middle of the distribution, not a warning sign.

For depositors: B-graded institutions are the broad middle of the U.S. banking system — solidly healthy and well within regulatory norms. FDIC insurance covers deposits up to $250,000 per depositor, per insured bank, per ownership category. No grade-based action needed; verify coverage at FDIC.gov if balances approach the limit.

Tier-Wide Snapshot in California

Banks in this grade tier	44
Combined assets	$180.0B
Average composite score	73/100
Average Tier 1 capital ratio	15.79%
Average NPL ratio	0.81%

All B-Graded Banks in California

#	Bank	City	Score	Assets	Tier 1 Capital	NPL Ratio	Liquidity
1	Bank of the Orient	San Francisco	79	$938M	14.16%	0.02%	15.80%
2	Cornerstone Community Bank	Red Bluff	79	$679M	11.75%	0.07%	20.59%
3	Beach Cities Commercial Bank	Irvine	79	$81M	23.49%	0.00%	18.88%
4	Montecito Bank&Trust	Santa Barbara	78	$2.1B	10.02%	0.30%	34.21%
5	Banc of California	Los Angeles	78	$35.2B	13.77%	0.65%	20.58%
6	Provident Savings Bank FSB	Riverside	78	$1.3B	19.29%	0.25%	14.45%
7	Bank of San Francisco	San Francisco	78	$614M	17.44%	0.70%	14.75%
8	Commonwealth Business Bank	Los Angeles	77	$1.7B	18.28%	0.55%	11.05%
9	First Foundation Bank	Irvine	77	$13.7B	11.97%	0.19%	23.98%
10	Hanmi Bank	Los Angeles	76	$7.5B	13.47%	0.31%	15.31%
11	Bank of Marin	Novato	76	$3.7B	14.32%	2.01%	37.60%
12	Tustin Community Bank	Tustin	76	$80M	14.77%	0.02%	10.42%
13	Evertrust Bank	City of Industry	75	$890M	22.43%	1.47%	14.88%
14	Liberty Bank National Assn	Irvine	75	$541M	16.88%	0.00%	14.70%
15	American Plus Bank N A	Arcadia	75	$695M	18.47%	0.00%	3.91%
16	Ctbc Bank Corp USA	Los Angeles	74	$5.4B	13.70%	0.50%	13.86%
17	Murphy Bank	Fresno	74	$364M	13.43%	0.09%	10.93%
18	Gateway Bank FSB	Oakland	74	$222M	13.82%	0.26%	18.71%
19	Pcb Bank	Los Angeles	74	$2.9B	14.38%	0.31%	11.41%
20	Pacific Alliance Bank	San Gabriel	74	$381M	14.66%	0.84%	14.63%
21	Community Valley Bank	El Centro	74	$311M	11.92%	0.02%	12.65%
22	Cathay Bank	Los Angeles	73	$23.2B	13.61%	0.57%	11.89%
23	Bank of Hope	Los Angeles	73	$17.4B	13.23%	0.77%	16.30%
24	Axos Bank	San Diego	73	$22.1B	12.52%	0.72%	13.57%
25	Pacific Valley Bank	Salinas	73	$534M	13.75%	0.22%	10.28%
26	Beneficial State Bank	Oakland	73	$1.8B	12.22%	1.48%	25.09%
27	Five Star Bank	Roseville	72	$3.6B	13.03%	0.06%	8.27%
28	Mission Valley Bank	Sun Valley	72	$645M	11.49%	0.18%	13.82%
29	Avidbank	San Jose	72	$2.3B	10.73%	0.20%	18.43%
30	Endeavor Bank	San Diego	72	$594M	11.88%	0.53%	18.04%
31	Open Bank	Los Angeles	71	$2.3B	11.99%	0.50%	14.43%
32	Calprivate Bank	La Jolla	71	$2.3B	10.90%	0.13%	12.34%
33	Royal Business Bank	Los Angeles	71	$3.9B	22.87%	1.79%	15.08%
34	Us Metro Bank	Garden Grove	70	$1.3B	11.97%	0.32%	14.76%
35	Fremont Bank	Fremont	69	$5.9B	10.45%	0.49%	18.30%
36	Bank of Southern Ca NA	San Diego	69	$2.3B	13.29%	0.25%	10.21%
37	Golden State Bank	Glendale	69	$802M	9.83%	0.07%	15.43%
38	Poppy Bank	Santa Rosa	69	$6.3B	11.00%	2.44%	28.05%
39	Icon Business Bank	Riverside	69	$58M	35.19%	0.00%	9.10%
40	California Pacific Bank	San Francisco	67	$91M	57.63%	11.08%	27.17%
41	Home Bank of California	San Diego	67	$243M	11.97%	0.00%	8.06%
42	First Fs&la of San Rafael	San Rafael	66	$232M	22.98%	0.00%	4.45%
43	California Bank of Commerce	Walnut Creek	66	$1.9B	12.72%	1.46%	18.66%
44	Nano Banc	Irvine	66	$958M	17.00%	3.62%	23.93%

For Depositors at B-Graded Banks

FDIC insurance — not the bank's grade — guarantees deposits up to $250,000 per depositor, per insured bank, per ownership category. Verify your bank's status and your specific coverage at FDIC.gov. The Bank Health Score and grade describe regulatory cushion in relative terms; insurance describes guaranteed protection.

For combined balances above $250,000 at a single bank, the FDIC's Electronic Deposit Insurance Estimator (EDIE) calculates exactly which dollars are insured. Account titling — joint, individual, retirement, payable-on-death — affects coverage. Federal regulators including the OCC publish the rules; FDIC.gov is the authoritative consumer source.

How These Grades Are Calculated

Every bank 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 0–100 composite maps to A (80+), B (65–79), C (50–64), D (35–49), and F (under 35). Data flows from the FDIC BankFind API and the FFIEC Call Report archive. Read the full methodology.

Frequently Asked Questions

What does a B grade mean for a bank?

How many B-graded banks are in California?

What does this tier look like financially?

Across 44 B-graded banks in California, the average Tier 1 capital ratio is 15.79% and the average nonperforming-loan ratio is 0.81%. Combined assets in this cohort total $180.0B. These numbers come straight from the most recent quarterly FDIC Call Report.

Are deposits at B-graded banks still FDIC-insured?

Where does this data come from?

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 FDIC and FFIEC data is U.S. government public domain.

All banks in California →All grade B banks nationwide →Healthiest Banks →Methodology →

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 · 44 B-graded banks in California. Informational only; not investment advice. Verify FDIC insurance directly at FDIC.gov.