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Overview / Commentary
301 East Miner Avenue
Stockton, CA 95202

Bank of Stockton is headquartered in Stockton and is the 30th largest bank in the state of California. It is also the 331st largest bank in the nation. It was established in 1867 and as of March of 2014, it had grown to 352 employees at 16 locations. Bank of Stockton 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 Stockton had $14.81 million in non-current loans and owned real-estate with $345.56 million in equity and loan loss allowances on hand to cover it. This gives Bank of Stockton a Texas Ratio of 4.28% 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 Stockton decreased dramatically from 6.90% as of March 31, 2013 to 4.28% as of March 31, 2014, resulting in a positive change of 37.94%.This indicates that the balance sheet and financial strength for Bank of Stockton has improved dramatically in recent periods.

Deposit Growth


In the past year, Bank of Stockton has increased its total deposits by $31.35 million, resulting in 1.76% 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 Stockton 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. Bank of Stockton has $2.22 billion in assets with $345.56 million in equity, resulting in a capitalization level of 15.59%, which is excellent.

Institution Statistics

FDIC Certificate #1536
Year Established1867
Primary RegulatorFDIC
Assets and Liabilities
Assets$2.22 billion
Loans$1.11 billion
Deposits$1.82 billion
Equity Capital$306.79 million
Loan Loss Allowance$38.77 million
Unbacked Noncurrent Loans$13.44 million
Real Estate Owned$1.36 million
Historic Data - March 2013
Assets$2.15 billion
Equity Capital$266.73 million
Loan Loss Allowance$37.27 million
Unbacked Noncurrent Loans$13.44 million
Real Estate Owned$1.97 million
Profit Margin - Quarterly
Net Interest Margin3.55%
Return on Assets0.86%
Return on Equity6.34%
Interest Income$17.98 million

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Bank of Stockton has 16 locations. Click to view all Bank of Stockton locations.