TellerScore

Headquartered in Tustin, California, Tustin Community Bank is a state-chartered bank with $86.5M in total assets and $69.5M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1981.

Based on its Q2 2026 filing, Tustin Community Bank scores 84/100, which we describe as strong. That is higher than 76% of 546 banks with under $100 million in assets. Among 116 banks headquartered in California, it ranks 16th. Its strongest component is capital cushion (100/100; 15.46%), and its lowest is funding & liquidity (42/100; 98% loans-to-deposits, 34% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.46%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings64/100
Return on assets (annualized): 1.10%
Funding & liquidity42/100
Loans ÷ deposits and uninsured-deposit share: 98.0% · 33.6% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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

From Q2 2025 to Q2 2026, the score rose 4 points (80 → 84), mostly because the earnings component improved by 18 points.

TellerScore
808385Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202480
Q4 202480
Q1 202580
Q2 202580
Q3 202581
Q4 202582
Q1 202685
Q2 202684
Tier 1 leverage ratio
5.00%10.69%16.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.77%
Q3 202414.01%
Q4 202413.94%
Q1 202514.20%
Q2 202514.47%
Q3 202516.38%
Q4 202516.01%
Q1 202615.66%
Q2 202615.46%
Noncurrent loans
0.00%0.02%0.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.01%
Q4 20240.03%
Q1 20250.02%
Q2 20250.00%
Q3 20250.00%
Q4 20250.01%
Q1 20260.04%
Q2 20260.00%
Return on assets
0.60%0.89%1.17%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.94%
Q3 20240.92%
Q4 20240.89%
Q1 20250.72%
Q2 20250.66%
Q3 20250.60%
Q4 20250.64%
Q1 20261.17%
Q2 20261.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$86.5M15.46%0.00%1.10%98.0%
Q1 202685$86.2M15.66%0.04%1.17%93.3%
Q4 202582$82.2M16.01%0.01%0.64%90.7%
Q3 202581$79.8M16.38%0.00%0.60%91.8%
Q2 202580$80.9M14.47%0.00%0.66%95.3%
Q1 202580$81.8M14.20%0.02%0.72%88.8%
Q4 202480$79.4M13.94%0.03%0.89%101.6%
Q3 202480$82.1M14.01%0.01%0.92%99.5%
Q2 202482$80.3M14.77%0.02%0.94%100.8%

546 peers · Under $100 million in assets

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 ratio15.46%
72nd
Total risk-based capital0.00%
27th
Problem loans0.00%
84th
Net charge-offs0.39%
7th
Return on assets1.10%
56th
Net interest margin5.99%
98th
Efficiency ratio74.5%
42nd
Loans to deposits98.0%
11th
Uninsured deposits33.6%
9th
Loan-loss reserves3.09%
94th
Texas ratio0.0%
85th

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
Altos BankBank Los Altos, CA73 out of 100, Strong$68.8M28.5%0.00%vs
Asian Pacific National BankBank San Gabriel, CA89 out of 100, Very strong$56.9M20.1%0.00%vs

Deposit insurance

Is my money safe at Tustin Community Bank?

Yes. Tustin Community Bank is an FDIC-insured institution (FDIC certificate #32908). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 33.6% of deposits ($23.4M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.46%, 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%).

Check how much of your own balance is covered

1 location

Branches

Tustin Community Bank lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Tustin Community Bank
Former names
Tustin Thrift and Loan Association
Type
State-chartered bank
FDIC certificate #
32908
RSSD ID
1418255
Primary regulator
FDIC
Holding company
Saddleback Bcorp
Established
April 23, 1981
Headquarters
13891 Newport Avenue, Suites 100 & 130, Tustin, CA 92780
Employees
19

Quick answers

Tustin Community Bank: common questions

Is Tustin Community Bank FDIC insured?

Yes. Tustin Community Bank is an FDIC-insured institution (FDIC certificate #32908). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Tustin Community Bank'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 Tustin Community Bank ever failed?

There is no failure record for FDIC certificate #32908 in the FDIC failed bank list.

How many branches does Tustin Community Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Tustin

InstitutionScoreAssetsCapitalProblem loansCompare
Capital Bank and Trust CompanyBank Irvine, CA94 out of 100, Very strong$266.1M79.3%0.00%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Long Beach Firemen S Credit UnionCredit union Long Beach, CA91 out of 100, Very strong$201.5M29.4%0.02%vs
Santa Ana Federal Credit UnionCredit union Santa Ana, CA90 out of 100, Very strong$111.6M13.5%0.06%vs
California International Bank, N.A.Bank Westminster, CA89 out of 100, Very strong$120.9M13.5%0.00%vs
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs