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12265 El Camino Real, # 100
San Diego, CA 92130

Bank Of Southern California is headquartered in San Diego and is the 133rd largest bank in the state of California. It is also the 2,833rd largest bank in the nation. It was established in 2001 and as of March of 2014, it had grown to 44 employees at 6 locations. Bank Of Southern California 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 Bank Of Southern California had $635,000 in non-current loans and owned real-estate with $27.13 million in equity and loan loss allowances on hand to cover it. This gives Bank Of Southern California a Texas Ratio of 2.34% 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 Bank Of Southern California decreased dramatically from 17.11% as of March 31, 2013 to 2.34% as of March 31, 2014, resulting in a positive change of 86.32%.This indicates that the balance sheet and financial strength for Bank Of Southern California has improved dramatically in recent periods.

Deposit Growth


In the past year, Bank Of Southern California has increased its total deposits by $32.94 million, resulting in 20.36% 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 Bank Of Southern California has shown is excellent.



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. Bank Of Southern California has $220.17 million in assets with $27.13 million in equity, resulting in a capitalization level of 12.32%, which is excellent.

Institution Statistics

FDIC Certificate #57044
Year Established2001
Primary RegulatorOCC
Assets and Liabilities
Assets$220.17 million
Loans$177.60 million
Deposits$194.71 million
Equity Capital$24.78 million
Loan Loss Allowance$2.36 million
Unbacked Noncurrent Loans$290,000
Real Estate Owned$345,000
Historic Data - March 2013
Assets$186.71 million
Equity Capital$23.23 million
Loan Loss Allowance$2.07 million
Unbacked Noncurrent Loans$290,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.53%
Return on Equity4.57%
Interest Income$2.15 million

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Bank Of Southern California Savings Account Rates

0.01%$500-Statement Savings

Bank Of Southern California Money Market Rates

0.15%$250k-Personal Money Market Account
0.15%$250k-Business Money Market Account

Bank Of Southern California Checking Account Rates

0.15%$250k-VIP Checking
0.01%$5k-Business Interest Checking

Bank Of Southern California CD Rates

0.50%$100k-36 - 47 Month CD
0.40%$100k-24 - 35 Month CD
0.30%$100k-12 - 23 Month CD
0.20%$100k-180 - 364 Day CD
0.15%$100k-90 - 179 Day CD
0.05%$5k-60 - 89 Day CD
0.05%$100k-7 - 89 Day CD

Bank Of Southern California IRA Rates

0.50%$100k-36 - 47 Month IRA
0.40%$100k-24 - 35 Month IRA
0.30%$100k-12 - 23 Month IRA
0.20%$100k-180 - 364 Day IRA
0.15%$100k-90 - 179 Day IRA
0.05%$5k-60 - 89 Day IRA
0.05%$100k-7 - 89 Day IRA

Bank Of Southern California Locations
Bank Of Southern California, N.A.12265 El Camino Real, Suite 100San Diego, CA 92130
Ramona Branch1315 Main StreetRamona, CA 92065
Downtown Branch1620 5th Avenue, Suite 120San Diego, CA 92101
Carlsbad Branch3142 Tiger Run Court, Ste 107Carlsbad, CA 92010
Palm Springs Branch333 North Palm Canyon, Suite 102Palm Springs, CA 92262
LA Quinta Branch47-020 WashingtonLA Quinta, CA 92253