HCN Bank (FDIC certificate #21606) is based in Riverside, California. Its Q2 2026 call report shows $998.4M in total assets and $846.3M in deposits and 7 offices.
HCN Bank has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 22nd. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (27/100, 92% loans-to-deposits, 52% uninsured).
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 (78 → 79).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 78 |
| Q4 2024 | 78 |
| Q1 2025 | 80 |
| Q2 2025 | 78 |
| Q3 2025 | 79 |
| Q4 2025 | 78 |
| Q1 2026 | 79 |
| Q2 2026 | 79 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.86% |
| Q3 2024 | 10.65% |
| Q4 2024 | 10.85% |
| Q1 2025 | 11.44% |
| Q2 2025 | 11.45% |
| Q3 2025 | 11.73% |
| Q4 2025 | 11.53% |
| Q1 2026 | 11.63% |
| Q2 2026 | 11.70% |
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 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.31% |
| Q3 2024 | 2.48% |
| Q4 2024 | 2.28% |
| Q1 2025 | 2.51% |
| Q2 2025 | 2.41% |
| Q3 2025 | 2.33% |
| Q4 2025 | 2.33% |
| Q1 2026 | 2.24% |
| Q2 2026 | 2.22% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $998.4M | 11.70% | 0.00% | 2.22% | 91.7% |
| Q1 2026 | 79 | $974.1M | 11.63% | 0.00% | 2.24% | 88.4% |
| Q4 2025 | 78 | $974.9M | 11.53% | 0.00% | 2.33% | 87.0% |
| Q3 2025 | 79 | $996.0M | 11.73% | 0.00% | 2.33% | 84.6% |
| Q2 2025 | 78 | $961.1M | 11.45% | 0.00% | 2.41% | 84.5% |
| Q1 2025 | 80 | $997.5M | 11.44% | 0.00% | 2.51% | 77.6% |
| Q4 2024 | 78 | $939.6M | 10.85% | 0.00% | 2.28% | 82.7% |
| Q3 2024 | 78 | $1.0B | 10.65% | 0.00% | 2.48% | 75.9% |
| Q2 2024 | 78 | $1.0B | 10.86% | 0.00% | 2.31% | 75.1% |
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 |
|---|---|---|---|---|---|
| Summit State BankBank Santa Rosa, CA | 42 out of 100, Below average | $959.8M | 10.8% | 2.43% | vs |
| C3bank, National AssociationBank Encinitas, CA | 75 out of 100, Strong | $949.3M | 10.6% | 0.00% | vs |
| Pinnacle BankBank Gilroy, CA | 52 out of 100, Below average | $937.0M | 11.9% | 2.30% | vs |
| American Plus Bank, N.A.Bank Arcadia, CA | 88 out of 100, Very strong | $935.0M | 16.5% | 0.04% | vs |
| Bank of San FranciscoBank San Francisco, CA | 68 out of 100, Moderate | $863.6M | 10.9% | 0.09% | vs |
| First Commercial Bank (USA)Bank Alhambra, CA | 71 out of 100, Strong | $849.9M | 23.3% | 1.05% | vs |
Deposit insurance
Is my money safe at HCN Bank?
Yes. HCN Bank is an FDIC-insured institution (FDIC certificate #21606). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 52.5% of deposits ($443.9M) 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 11.70%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
7 locations
Branches
HCN Bank lists 7 offices in 6 cities. Most locations:
- Hemet, CA (2)
- Anza, CA (1)
- Beaumont, CA (1)
- Palm Springs, CA (1)
- Riverside, CA (1)
- San Jacinto, CA (1)
Identity & history
Profile
- Legal name
- HCN Bank
- Former names
- The Bank of Hemet; Bank of Hemet
- Type
- State-chartered bank
- FDIC certificate #
- 21606
- RSSD ID
- 183668
- Primary regulator
- FDIC
- Holding company
- Hemet Bcorp
- Established
- June 3, 1974
- Headquarters
- 3715 Sunnyside Dr, Riverside, CA 92506
- Website
- www.hcnbank.com
- Employees
- 89
Quick answers
HCN Bank: common questions
Is HCN Bank FDIC insured?
Yes. HCN Bank is an FDIC-insured institution (FDIC certificate #21606). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is HCN Bank's TellerScore?
79 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 HCN Bank ever failed?
There is no failure record for FDIC certificate #21606 in the FDIC failed bank list.
How many branches does HCN Bank have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Riverside
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Redlands City Employees Federal Credit UnionCredit union Redlands, CA | 94 out of 100, Very strong | $10.2M | 25.4% | 0.00% | vs |
| Capital Bank and Trust CompanyBank Irvine, CA | 94 out of 100, Very strong | $266.1M | 79.3% | 0.00% | vs |
| Ontario Public Employees Federal Credit UnionCredit union Ontario, CA | 87 out of 100, Very strong | $23.2M | 15.5% | 1.02% | vs |
| American Continental BankBank City Of Industry, CA | 87 out of 100, Very strong | $385.3M | 16.2% | 0.37% | vs |
| California Coast Credit UnionCredit union San Diego, CA | 85 out of 100, Very strong | $3.5B | 13.9% | 0.26% | vs |
| Community Commerce BankBank Claremont, CA | 84 out of 100, Strong | $422.7M | 15.3% | 0.00% | vs |