Headquartered in San Diego, California, Home Bank of California is a state-chartered bank with $255.4M in total assets and $192.2M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1981.
Based on its Q2 2026 filing, Home Bank of California scores 84/100, which we describe as strong. That is higher than 86% of 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 15th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (48/100; 121% loans-to-deposits, 17% 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 (84 → 84).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 80 |
| Q4 2024 | 81 |
| Q1 2025 | 79 |
| Q2 2025 | 84 |
| Q3 2025 | 85 |
| Q4 2025 | 85 |
| Q1 2026 | 83 |
| Q2 2026 | 84 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.97% |
| Q3 2024 | 12.15% |
| Q4 2024 | 12.26% |
| Q1 2025 | 11.93% |
| Q2 2025 | 12.35% |
| Q3 2025 | 12.45% |
| Q4 2025 | 12.53% |
| Q1 2026 | 11.98% |
| Q2 2026 | 12.27% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.03% |
| 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 | 1.18% |
| Q3 2024 | 1.43% |
| Q4 2024 | 1.61% |
| Q1 2025 | 1.46% |
| Q2 2025 | 1.93% |
| Q3 2025 | 2.17% |
| Q4 2025 | 2.23% |
| Q1 2026 | 1.96% |
| Q2 2026 | 2.34% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $255.4M | 12.27% | 0.00% | 2.34% | 121.2% |
| Q1 2026 | 83 | $254.9M | 11.98% | 0.00% | 1.96% | 120.7% |
| Q4 2025 | 85 | $246.7M | 12.53% | 0.00% | 2.23% | 115.3% |
| Q3 2025 | 85 | $254.1M | 12.45% | 0.00% | 2.17% | 117.9% |
| Q2 2025 | 84 | $250.9M | 12.35% | 0.03% | 1.93% | 109.7% |
| Q1 2025 | 79 | $253.8M | 11.93% | 0.00% | 1.46% | 112.2% |
| Q4 2024 | 81 | $240.1M | 12.26% | 0.00% | 1.61% | 116.4% |
| Q3 2024 | 80 | $240.2M | 12.15% | 0.00% | 1.43% | 109.5% |
| Q2 2024 | 77 | $243.2M | 11.97% | 0.00% | 1.18% | 115.8% |
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 BankBank Oakland, CA | 57 out of 100, Moderate | $264.4M | 16.4% | 1.48% | vs |
| Capital Bank and Trust CompanyBank Irvine, CA | 94 out of 100, Very strong | $266.1M | 79.3% | 0.00% | vs |
| Mission National BankBank San Francisco, CA | 74 out of 100, Strong | $276.4M | 13.9% | 0.00% | vs |
| Metropolitan BankBank Oakland, CA | 75 out of 100, Strong | $230.2M | 13.1% | 0.00% | vs |
| Neighborhood National BankBank El Cajon, CA | 65 out of 100, Moderate | $228.0M | 11.6% | 0.68% | vs |
| Gateway Bank, F.S.B.Bank Oakland, CA | 49 out of 100, Below average | $288.2M | 13.8% | 2.15% | vs |
Deposit insurance
Is my money safe at Home Bank of California?
Yes. Home Bank of California is an FDIC-insured institution (FDIC certificate #26271). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.6% of deposits ($31.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.27%, 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%).
1 location
Branches
Home Bank of California lists 1 office in 1 city. Most locations:
- San Diego, CA (1)
Identity & history
Profile
- Legal name
- Home Bank of California
- Former names
- Home Investment and Loan; Home Thrift & Loan Association
- Type
- State-chartered bank
- FDIC certificate #
- 26271
- RSSD ID
- 118660
- Primary regulator
- FDIC
- Established
- October 31, 1981
- Headquarters
- 4493 Ruffin Rd, San Diego, CA 92123
- Website
- www.hbc.bank
- Employees
- 20
Quick answers
Home Bank of California: common questions
Is Home Bank of California FDIC insured?
Yes. Home Bank of California is an FDIC-insured institution (FDIC certificate #26271). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Home Bank of California's TellerScore?
84 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 Home Bank of California ever failed?
There is no failure record for FDIC certificate #26271 in the FDIC failed bank list.
How many branches does Home Bank of California have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near San Diego
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Certified Federal Credit UnionCredit union El Monte, CA | 88 out of 100, Very strong | $925.3M | 20.7% | 0.37% | vs |
| San Diego County Credit UnionCredit union San Diego, CA | 86 out of 100, Very strong | $9.5B | 19.8% | 0.20% | vs |
| California Coast Credit UnionCredit union San Diego, CA | 85 out of 100, Very strong | $3.5B | 13.9% | 0.26% | vs |
| Sag-Aftra Federal Credit UnionCredit union Burbank, CA | 81 out of 100, Strong | $335.6M | 13.1% | 0.63% | vs |
| Mission Federal Credit UnionCredit union San Diego, CA | 81 out of 100, Strong | $7.3B | 12.3% | 0.15% | vs |
| Employees Choice Federal Credit UnionCredit union El Cajon, CA | 80 out of 100, Strong | $24.6M | 11.2% | 0.00% | vs |