TellerScore

Headquartered in Stockton, California, Bank of Stockton is a state-chartered bank with $5.0B in total assets and $3.8B in deposits as of Q2 2026. It operates 21 offices. Its charter dates back to 1867.

Bank of Stockton has a TellerScore of 94 out of 100 (very strong) based on Q2 2026 data — higher than 100% of its 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 2nd. Capital cushion contributes the most (100/100, 19.95%); funding & liquidity contributes the least (64/100, 63% loans-to-deposits, 45% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 19.95%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.08%
Earnings100/100
Return on assets (annualized): 6.08%
Funding & liquidity64/100
Loans ÷ deposits and uninsured-deposit share: 63.2% · 45.2% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.19%

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 (93 → 94).

TellerScore
889194Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202488
Q3 202493
Q4 202492
Q1 202593
Q2 202593
Q3 202594
Q4 202594
Q1 202694
Q2 202694
Tier 1 leverage ratio
5.00%12.47%19.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.48%
Q3 202417.82%
Q4 202417.24%
Q1 202518.24%
Q2 202518.02%
Q3 202518.72%
Q4 202518.12%
Q1 202618.55%
Q2 202619.95%
Noncurrent loans
0.08%0.15%0.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.14%
Q3 20240.14%
Q4 20240.16%
Q1 20250.23%
Q2 20250.20%
Q3 20250.08%
Q4 20250.08%
Q1 20260.09%
Q2 20260.08%
Return on assets
1.22%3.65%6.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.22%
Q3 20242.55%
Q4 20241.80%
Q1 20254.42%
Q2 20252.56%
Q3 20253.12%
Q4 20252.34%
Q1 20264.57%
Q2 20266.08%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202694$5.0B19.95%0.08%6.08%63.2%
Q1 202694$4.8B18.55%0.09%4.57%63.3%
Q4 202594$4.8B18.12%0.08%2.34%63.9%
Q3 202594$4.7B18.72%0.08%3.12%62.7%
Q2 202593$4.6B18.02%0.20%2.56%62.8%
Q1 202593$4.6B18.24%0.23%4.42%63.6%
Q4 202492$4.4B17.24%0.16%1.80%64.5%
Q3 202493$4.4B17.82%0.14%2.55%65.3%
Q2 202488$4.3B16.48%0.14%1.22%62.7%

897 peers · $1 billion – $10 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).

Capital ratio19.95%
98th
Total risk-based capital20.07%
92nd
Problem loans0.08%
89th
Net charge-offs0.05%
44th
Return on assets6.08%
99th
Net interest margin3.72%
51st
Efficiency ratio47.6%
82nd
Loans to deposits63.2%
91st
Uninsured deposits45.2%
17th
Loan-loss reserves3.19%
99th
Texas ratio0.2%
93rd

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
Community West BankBank Fresno, CA67 out of 100, Moderate$5.0B11.0%0.56%vs
Five Star BankBank Roseville, CA68 out of 100, Moderate$5.4B10.3%0.30%vs
American Business BankBank Los Angeles, CA69 out of 100, Moderate$4.4B11.0%0.44%vs
Royal Business BankBank Los Angeles, CA68 out of 100, Moderate$4.3B12.5%0.72%vs
Westamerica BankBank San Rafael, CA78 out of 100, Strong$5.8B10.3%0.12%vs
Farmers & Merchants Bank of Central CaliforniaBank Lodi, CA79 out of 100, Strong$5.8B11.7%0.13%vs

Deposit insurance

Is my money safe at Bank of Stockton?

Yes. Bank of Stockton is an FDIC-insured institution (FDIC certificate #1536). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 45.2% of deposits ($1.7B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 19.95%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.07% (benchmark: 10%).

Check how much of your own balance is covered

21 locations

Branches

Bank of Stockton lists 21 offices in 17 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Bank of Stockton reported 288 home-loan applications under HMDA (LEI 254900SRWC0U4V5XQ024): 178 originated ($61,360,000 total), 83 denied, and 22 withdrawn or closed by the applicant. Its denial rate on decided applications was 31.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Bank of Stockton
Former names
Stockton Savings and Loan Bank
Type
State-chartered bank
FDIC certificate #
1536
RSSD ID
479268
Primary regulator
FDIC
Holding company
1867 Western Financial Corp
Established
August 12, 1867
Headquarters
301 E Miner Ave, Stockton, CA 95202
Employees
415

Quick answers

Bank of Stockton: common questions

Is Bank of Stockton FDIC insured?

Yes. Bank of Stockton is an FDIC-insured institution (FDIC certificate #1536). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bank of Stockton's TellerScore?

94 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bank of Stockton ever failed?

There is no failure record for FDIC certificate #1536 in the FDIC failed bank list.

How many branches does Bank of Stockton have?

21 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Stockton

InstitutionScoreAssetsCapitalProblem loansCompare
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Mokelumne Federal Credit UnionCredit union Lodi, CA88 out of 100, Very strong$56.9M16.0%0.36%vs
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs
Farmers & Merchants Bank of Central CaliforniaBank Lodi, CA79 out of 100, Strong$5.8B11.7%0.13%vs
1st Northern California Credit UnionCredit union Martinez, CA79 out of 100, Strong$829.0M11.8%0.03%vs
Westamerica BankBank San Rafael, CA78 out of 100, Strong$5.8B10.3%0.12%vs