BAC Community Bank (FDIC certificate #19434) is based in Stockton, California. Its Q2 2026 call report shows $761.9M in total assets and $673.0M in deposits and 8 offices.
BAC Community Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 36th. Problem-loan coverage contributes the most (98/100, 1.0%); earnings contributes the least (51/100, 0.77%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (74 → 75).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 70 |
| Q4 2024 | 71 |
| Q1 2025 | 74 |
| Q2 2025 | 74 |
| Q3 2025 | 75 |
| Q4 2025 | 75 |
| Q1 2026 | 72 |
| Q2 2026 | 75 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.34% |
| Q3 2024 | 10.34% |
| Q4 2024 | 10.36% |
| Q1 2025 | 10.59% |
| Q2 2025 | 10.57% |
| Q3 2025 | 11.13% |
| Q4 2025 | 11.23% |
| Q1 2026 | 11.41% |
| Q2 2026 | 11.44% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.01% |
| Q1 2026 | 0.40% |
| Q2 2026 | 0.18% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.46% |
| Q3 2024 | 0.37% |
| Q4 2024 | 0.41% |
| Q1 2025 | 0.65% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.73% |
| Q4 2025 | 0.70% |
| Q1 2026 | 0.70% |
| Q2 2026 | 0.77% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $761.9M | 11.44% | 0.18% | 0.77% | 67.1% |
| Q1 2026 | 72 | $780.1M | 11.41% | 0.40% | 0.70% | 68.6% |
| Q4 2025 | 75 | $786.3M | 11.23% | 0.01% | 0.70% | 70.9% |
| Q3 2025 | 75 | $787.5M | 11.13% | 0.00% | 0.73% | 67.0% |
| Q2 2025 | 74 | $788.4M | 10.57% | 0.00% | 0.71% | 65.6% |
| Q1 2025 | 74 | $791.4M | 10.59% | 0.00% | 0.65% | 63.1% |
| Q4 2024 | 71 | $783.1M | 10.36% | 0.00% | 0.41% | 63.9% |
| Q3 2024 | 70 | $822.9M | 10.34% | 0.00% | 0.37% | 62.4% |
| Q2 2024 | 71 | $796.2M | 10.34% | 0.00% | 0.46% | 64.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mission Valley BankBank Sun Valley, CA | 54 out of 100, Below average | $782.0M | 11.0% | 1.94% | vs |
| River Valley Community BankBank Yuba City, CA | 65 out of 100, Moderate | $793.1M | 8.7% | 0.00% | vs |
| Endeavor BankBank San Diego, CA | 69 out of 100, Moderate | $822.7M | 11.8% | 0.45% | vs |
| First Commercial Bank (USA)Bank Alhambra, CA | 71 out of 100, Strong | $849.9M | 23.3% | 1.05% | vs |
| Bank of San FranciscoBank San Francisco, CA | 68 out of 100, Moderate | $863.6M | 10.9% | 0.09% | vs |
| GBC International BankBank Los Angeles, CA | 83 out of 100, Strong | $658.5M | 15.9% | 0.26% | vs |
Deposit insurance
Is my money safe at BAC Community Bank?
Yes. BAC Community Bank is an FDIC-insured institution (FDIC certificate #19434). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.0% of deposits ($188.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.44%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.85% (benchmark: 10%).
8 locations
Branches
BAC Community Bank lists 8 offices in 6 cities. Most locations:
- Brentwood, CA (2)
- Stockton, CA (2)
- Antioch, CA (1)
- Concord, CA (1)
- Lodi, CA (1)
- Modesto, CA (1)
Identity & history
Profile
- Legal name
- BAC Community Bank
- Former names
- Bank of Agriculture and Commerce
- Type
- State-chartered bank
- FDIC certificate #
- 19434
- RSSD ID
- 5461
- Primary regulator
- FDIC
- Holding company
- Bac Financial Inc
- Established
- May 21, 1965
- Headquarters
- 517 East Weber Avenue, Stockton, CA 95202
- Website
- www.bankbac.com
- Employees
- 92
Quick answers
BAC Community Bank: common questions
Is BAC Community Bank FDIC insured?
Yes. BAC Community Bank is an FDIC-insured institution (FDIC certificate #19434). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is BAC Community Bank's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has BAC Community Bank ever failed?
There is no failure record for FDIC certificate #19434 in the FDIC failed bank list.
How many branches does BAC Community Bank have?
8 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Stockton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of StocktonBank Stockton, CA | 94 out of 100, Very strong | $5.0B | 19.9% | 0.08% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Mokelumne Federal Credit UnionCredit union Lodi, CA | 88 out of 100, Very strong | $56.9M | 16.0% | 0.36% | vs |
| Certified Federal Credit UnionCredit union El Monte, CA | 88 out of 100, Very strong | $925.3M | 20.7% | 0.37% | vs |
| Farmers & Merchants Bank of Central CaliforniaBank Lodi, CA | 79 out of 100, Strong | $5.8B | 11.7% | 0.13% | vs |
| Westamerica BankBank San Rafael, CA | 78 out of 100, Strong | $5.8B | 10.3% | 0.12% | vs |