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Overview / Commentary
4493 Ruffin Road
San Diego, CA 92123

Home Bank of California is headquartered in San Diego and is the 191st largest bank in the state of California. It is also the 4,498th largest bank in the nation. It was established in 1981 and as of June of 2014, it had grown to 19 employees at 1 location. Home Bank of California has a A+ health rating.

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Data for Q2 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 June 30, 2014 Home Bank of California had $722,000 in non-current loans and owned real-estate with $22.19 million in equity and loan loss allowances on hand to cover it. This gives Home Bank of California a Texas Ratio of 3.25% 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 Home Bank of California decreased dramatically from 8.11% as of June 30, 2013 to 3.25% as of June 30, 2014, resulting in a positive change of 59.87%.This indicates that the balance sheet and financial strength for Home Bank of California has improved dramatically in recent periods.

Deposit Growth


In the past year, Home Bank of California has increased its total deposits by $5.91 million, resulting in 9.21% 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 Home Bank of 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. Home Bank of California has $107.48 million in assets with $22.19 million in equity, resulting in a capitalization level of 20.64%, which is excellent.

Institution Statistics

FDIC Certificate #26271
Year Established1981
Primary RegulatorFDIC
Assets and Liabilities
Assets$107.48 million
Loans$94.00 million
Deposits$70.07 million
Equity Capital$21.14 million
Loan Loss Allowance$1.05 million
Real Estate Owned$722,000
Historic Data - June 2013
Assets$105.13 million
Equity Capital$20.68 million
Loan Loss Allowance$1.13 million
Unbacked Noncurrent Loans$0
Real Estate Owned$1.28 million
Profit Margin - Quarterly
Return on Assets2.35%
Return on Equity11.53%
Interest Income$3.39 million
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Home Bank of California Savings Account Rates

0.15%$50$1kSuper Money Fund
0.10%$50-Statement Savings

Home Bank of California Checking Account Rates

0.45%$100-Interest Checking

Home Bank of California CD Rates

1.97%$10k-60 Month CD
1.67%$10k-48-59 Month CD
1.26%$10k-36-47 Month CD
0.90%$10k-24-35 Month CD
0.71%$10k-18-23 Month CD
0.55%$10k-12-17 Month CD
0.10%$2,500-3-5 Month CD
0.10%$2,500-6-8 Month CD
0.10%$2,500-9-11 Month CD

Home Bank of California IRA Rates

1.97%$500-60 Month IRA
1.66%$500-48-59 Month IRA
1.21%$500-36-47 Month IRA
0.90%$500-24-35 Month IRA
0.70%$500-18-23 Month IRA

Home Bank of California Locations
Home Bank Of California4493 Ruffin RoadSan Diego, CA 92123