Savings Bank of Mendocino County is a state-chartered bank headquartered in Ukiah, California, in business for about 123 years. At the end of Q2 2026 it reported $1.3B in total assets and $1.0B in deposits, with 9 offices.
Based on its Q2 2026 filing, Savings Bank of Mendocino County scores 86/100, which we describe as very strong. That is higher than 97% of 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 11th. Its strongest component is capital cushion (100/100; 17.93%), and its lowest is earnings (65/100; 1.14%).
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 (87 → 86).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 85 |
| Q3 2024 | 86 |
| Q4 2024 | 86 |
| Q1 2025 | 87 |
| Q2 2025 | 87 |
| Q3 2025 | 87 |
| Q4 2025 | 87 |
| Q1 2026 | 85 |
| Q2 2026 | 86 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.32% |
| Q3 2024 | 16.50% |
| Q4 2024 | 16.47% |
| Q1 2025 | 16.62% |
| Q2 2025 | 16.80% |
| Q3 2025 | 16.72% |
| Q4 2025 | 16.78% |
| Q1 2026 | 17.43% |
| Q2 2026 | 17.93% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.27% |
| Q3 2024 | 0.17% |
| Q4 2024 | 0.04% |
| Q1 2025 | 0.02% |
| Q2 2025 | 0.02% |
| Q3 2025 | 0.02% |
| Q4 2025 | 0.04% |
| Q1 2026 | 0.36% |
| Q2 2026 | 0.36% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.88% |
| Q3 2024 | 0.87% |
| Q4 2024 | 0.83% |
| Q1 2025 | 0.82% |
| Q2 2025 | 0.90% |
| Q3 2025 | 0.91% |
| Q4 2025 | 0.96% |
| Q1 2026 | 1.08% |
| Q2 2026 | 1.14% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $1.3B | 17.93% | 0.36% | 1.14% | 70.4% |
| Q1 2026 | 85 | $1.3B | 17.43% | 0.36% | 1.08% | 70.5% |
| Q4 2025 | 87 | $1.3B | 16.78% | 0.04% | 0.96% | 71.4% |
| Q3 2025 | 87 | $1.4B | 16.72% | 0.02% | 0.91% | 70.1% |
| Q2 2025 | 87 | $1.3B | 16.80% | 0.02% | 0.90% | 72.7% |
| Q1 2025 | 87 | $1.3B | 16.62% | 0.02% | 0.82% | 71.1% |
| Q4 2024 | 86 | $1.3B | 16.47% | 0.04% | 0.83% | 71.2% |
| Q3 2024 | 86 | $1.3B | 16.50% | 0.17% | 0.87% | 69.2% |
| Q2 2024 | 85 | $1.3B | 16.32% | 0.27% | 0.88% | 71.3% |
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).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of the OrientBank San Francisco, CA | 54 out of 100, Below average | $1.2B | 11.7% | 2.16% | vs |
| Provident Savings Bank, F.S.B.Bank Riverside, CA | 66 out of 100, Moderate | $1.2B | 10.3% | 0.05% | vs |
| Pacific Coast Bankers' BankBank Walnut Creek, CA | 63 out of 100, Moderate | $1.2B | 11.3% | 0.52% | vs |
| Commerce West BankBank Irvine, CA | 61 out of 100, Moderate | $1.2B | 11.1% | 1.23% | vs |
| The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA | 100 out of 100, Very strong | $1.4B | 63.5% | 0.00% | vs |
| State Bank of India (California)Bank Los Angeles, CA | 69 out of 100, Moderate | $1.4B | 14.0% | 1.11% | vs |
Deposit insurance
Is my money safe at Savings Bank of Mendocino County?
Yes. Savings Bank of Mendocino County is an FDIC-insured institution (FDIC certificate #8011). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.0% of deposits ($321.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 17.93%, 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%).
9 locations
Branches
Savings Bank of Mendocino County lists 9 offices in 8 cities. Most locations:
- Ukiah, CA (2)
- Fort Bragg, CA (1)
- Hopland, CA (1)
- Lakeport, CA (1)
- Laytonville, CA (1)
- Mendocino, CA (1)
- Redwood Valley, CA (1)
- Willits, CA (1)
Identity & history
Profile
- Legal name
- Savings Bank of Mendocino County
- Type
- State-chartered bank
- FDIC certificate #
- 8011
- RSSD ID
- 146663
- Primary regulator
- FDIC
- Established
- November 28, 1903
- Headquarters
- 200 N School St, Ukiah, CA 95482
- Website
- www.savingsbank.com
- Employees
- 163
Quick answers
Savings Bank of Mendocino County: common questions
Is Savings Bank of Mendocino County FDIC insured?
Yes. Savings Bank of Mendocino County is an FDIC-insured institution (FDIC certificate #8011). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Savings Bank of Mendocino County's TellerScore?
86 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 Savings Bank of Mendocino County ever failed?
There is no failure record for FDIC certificate #8011 in the FDIC failed bank list.
How many branches does Savings Bank of Mendocino County have?
9 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Ukiah
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Westamerica BankBank San Rafael, CA | 78 out of 100, Strong | $5.8B | 10.3% | 0.12% | vs |
| Redwood Credit UnionCredit union Santa Rosa, CA | 78 out of 100, Strong | $10.7B | 13.3% | 0.72% | vs |
| Tri Counties BankBank Chico, CA | 70 out of 100, Strong | $9.9B | 12.0% | 0.94% | vs |
| Columbia BankBank Roseburg, OR | 64 out of 100, Moderate | $65.4B | 9.7% | 0.57% | vs |
| Community First Credit UnionCredit union Santa Rosa, CA | 64 out of 100, Moderate | $921.0M | 10.3% | 1.22% | vs |
| JPMorgan Chase Bank, National AssociationBank Columbus, OH | 61 out of 100, Moderate | $4.1T | 7.5% | 0.78% | vs |