Home Bank of California
San Diego, CA
IDRSSD: 118660
Total Assets
$246.73M
Latest filing
Total Deposits
$195.65M
Latest filing
Net Interest Margin
4.37%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Home Bank of California
4493 Ruffin Rd
San Diego, CA 92123
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/31/1981FDIC Certificate 32632
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Home Bank of California (Main) | 4493 Ruffin Rd | San Diego, CA | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/31/1981 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 92123 |
| State and County Number | 06073 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | San Diego-Chula Vista-Carlsbad, CA |
Operational Info
| Number of Employees | 19 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/18/2023 |
| Date of Deposit Insurance | 06/03/1985 |
| Primary Insurance Agency | DIF |
| Website | https://www.hbc.bank |
| Data Updated | 01/30/2026 |
| CERT | 26271 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $246.73M |
| Total Deposits | $195.65M |
| Total Liabilities | $215.60M |
| Total Equity Capital | $31.12M |
| Net Income | $1.50M |
| Net Loans and Leases | $225.65M |
| Assets Per Employee ($Millions) | $12.99M |
| Bank Premises and Fixed Assets | $1.03M |
| Cash and Balances due from Depository Institutions | $16.65M |
| Deposits Held in Domestic Offices | $195.65M |
Key Performance Ratios
| Return on Assets (ROA) | 2.4% |
| Return on Equity (ROE) | 19.29% |
| Net Interest Margin | 4.37% |
| Efficiency Ratio | 43.19% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.615% |
| Earning Assets to total Assets | 97.64% |
Income and Expense
| Total Interest Income | $4.64M |
| Total Noninterest Income | $62.00k |
| Total Interest Expense | $1.97M |
| Total Noninterest Expense | $1.18M |
| Net Interest Income | $2.67M |
| Pre-tax Net Operating Income | $1.55M |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $19.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $955.00k |
| Total Liabilities and Capital | $246.73M |
Securities
| Securities | $271.00k |
| Available-for-sale debt securities | $271.00k |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Home Bank of California?
$246.73M as of the latest filing.
How much are Home Bank of California's total deposits?
$195.65M in total deposits.
Where is Home Bank of California located?
San Diego, CA.
What is the Net Interest Margin?
4.37%.
How many domestic offices does it operate?
1.
When was it established?
10/31/1981.
What is the Return on Assets (ROA)?
2.4%.
How much are total loans and leases?
$225.65M (latest filing).
What is the total interest income (latest filing)?
$4.64M.