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America California Bank

America California Bank
Overview / Commentary
417 Montgomery Street
San Francisco, CA 94104

America California Bank is headquartered in San Francisco and is the 175th largest bank in the state of California. It is also the 3,909th largest bank in the nation. It was established in 1972 and as of March of 2014, it had grown to 18 employees at 1 location. America California Bank has a A+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 America California Bank had $1.38 million in non-current loans and owned real-estate with $20.08 million in equity and loan loss allowances on hand to cover it. This gives America California Bank a Texas Ratio of 6.87% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for America California Bank decreased dramatically from 25.72% as of March 31, 2013 to 6.87% as of March 31, 2014, resulting in a positive change of 73.28%.This indicates that the balance sheet and financial strength for America California Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, America California Bank has increased its total deposits by $2.42 million, resulting in 2.36% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth America California Bank has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. America California Bank has $139.15 million in assets with $20.08 million in equity, resulting in a capitalization level of 14.43%, which is excellent.

Institution Statistics

FDIC Certificate #20726
Year Established1972
Primary RegulatorFDIC
Assets and Liabilities
Assets$139.15 million
Loans$92.58 million
Deposits$104.97 million
Equity Capital$17.49 million
Loan Loss Allowance$2.60 million
Unbacked Noncurrent Loans$1.38 million
Real Estate Owned$0
Historic Data - March 2013
Assets$132.94 million
Equity Capital$15.69 million
Loan Loss Allowance$2.13 million
Unbacked Noncurrent Loans$1.38 million
Real Estate Owned$657,000
Profit Margin - Quarterly
Net Interest Margin3.52%
Return on Assets0.64%
Return on Equity5.09%
Interest Income$1.39 million

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America California Bank Locations
America California Bank417 Montgomery StreetSan Francisco, CA 94104