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Overview / Commentary
209-956-7000
22 West Yokuts Avenue
Stockton, CA 95207

Community Bank of San Joaquin is headquartered in Stockton and is the 186th largest bank in the state of California. It is also the 4,207th largest bank in the nation. It was established in 1999 and as of March of 2014, it had grown to 27 employees at 2 locations. Community Bank of San Joaquin's money market rates are 70% higher than the national average, and it has a C+ health rating.

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Health

Data for Q1 2014

Institution Health

C+

Texas Ratio

GRADE:
B

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 Community Bank of San Joaquin had $1.76 million in non-current loans and owned real-estate with $10.43 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of San Joaquin a Texas Ratio of 16.83% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for Community Bank of San Joaquin increased slightly from 9.06% as of March 31, 2013 to 16.83% as of March 31, 2014, resulting in a negative change of 85.86%. This indicates that the balance sheet and financial strength for Community Bank of San Joaquin has declined slightly in recent periods.

Deposit Growth

GRADE:
C+

In the past year, Community Bank of San Joaquin has decreased its total deposits by -$1.12 million, resulting in -1% 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 Community Bank of San Joaquin has shown is average.

Capitalization

GRADE:
C

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. Community Bank of San Joaquin has $123.58 million in assets with $10.43 million in equity, resulting in a capitalization level of 8.44%, which is average.

Institution Statistics

Overall
FDIC Certificate #35170
Year Established1999
Employees27
Primary RegulatorFDIC
Assets and Liabilities
Assets$123.59 million
Loans$59.84 million
Deposits$110.67 million
Equity Capital$8.41 million
Loan Loss Allowance$2.02 million
Unbacked Noncurrent Loans$1.76 million
Real Estate Owned$0
Historic Data - March 2013
Assets$133.48 million
Equity Capital$9.71 million
Loan Loss Allowance$1.95 million
Unbacked Noncurrent Loans$1.76 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.26%
Return on Assets-0.11%
Return on Equity-1.63%
Interest Income$1.04 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Community Bank of San Joaquin, we are a rate comparison website and can not provide official rates or promotions.

Community Bank of San Joaquin Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$100k-Business Savings
0.20%$100k-Personal Savings

Community Bank of San Joaquin Money Market Rates

DetailsAPYMINMAXPRODUCT
0.75%$500k-Business Premier Money Market
0.75%$500k-Personal Premier Money Market
0.55%$100k-Business Money Market
0.55%$100k-Personal Money Market

Community Bank of San Joaquin Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.40%$50k-Business Interest Checking
0.40%$50k-Personal Interest Checking
0.10%$1k-Exclusive 50 Checking

Community Bank of San Joaquin CD Rates

DetailsAPYMINMAXPRODUCT
1.16%$250k-5 year CD
0.90%$250k-4 year CD
0.70%$250k-3 year CD
0.65%$300k-3 years CDARS
0.55%$250k-2 year CD
0.50%$300k-2 years CDARS
0.40%$250k-181 Day CD
0.35%$300k-52 weeks CDARS
0.30%$250k-91 Day CD
0.25%$250k-31 Day CD
0.25%$300k-26 weeks CDARS
0.20%$300k-13 weeks CDARS
0.15%$250k-30 Day CD
0.10%$300k-4 weeks CDARS

Community Bank of San Joaquin IRA Rates

DetailsAPYMINMAXPRODUCT
0.55%$250k-2 Year IRA CD
0.40%$250k-1 Year IRA CD
Locations


Community Bank of San Joaquin Locations
Community Bank Of San Joaquin22 West Yokuts AvenueStockton, CA 95207
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