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Overview / Commentary
172 West Stockton Road
Sonora, CA 95370

Mother Lode Bank is headquartered in Sonora and is the 211st largest bank in the state of California. It is also the 5,516st largest bank in the nation. It was established in 2004 and as of December of 2013, it had grown to 21 employees at 2 locations. Mother Lode Bank has a C+ health rating.

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Mother Lode Bank has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Mother Lode Bank had $1.76 million in non-current loans and owned real-estate with $5.95 million in equity and loan loss allowances on hand to cover it. This gives Mother Lode Bank a Texas Ratio of 29.53% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Mother Lode Bank decreased dramatically from 69.14% as of December 31, 2012 to 29.53% as of December 31, 2013, resulting in a positive change of 57.29%.This indicates that the balance sheet and financial strength for Mother Lode Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Mother Lode Bank has decreased its total deposits by -$1.01 million, resulting in -1.57% 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 Mother Lode Bank has shown is 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. Mother Lode Bank has $68.66 million in assets with $5.95 million in equity, resulting in a capitalization level of 8.66%, which is average.

Institution Statistics

FDIC Certificate #57637
Year Established2004
Primary RegulatorFDIC
Assets and Liabilities
Assets$68.66 million
Loans$37.80 million
Deposits$63.31 million
Equity Capital$4.86 million
Loan Loss Allowance$1.09 million
Unbacked Noncurrent Loans$902,000
Real Estate Owned$854,000
Historic Data - December 2012
Assets$69.90 million
Equity Capital$5.31 million
Loan Loss Allowance$1.25 million
Unbacked Noncurrent Loans$902,000
Real Estate Owned$1.14 million
Profit Margin - Quarterly
Net Interest Margin3.27%
Return on Assets0.24%
Return on Equity3.09%
Interest Income$2.08 million

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Mother Lode Bank Savings Account Rates

0.05%$100-Personal Savings Account
0.05%$25-Minor Savings Account
0.05%$100-Health Savings Account
0.05%$100-IRA Savings
0.05%$100-Business Savings Account
0.00%$100-H.S.A. Checking

Mother Lode Bank Money Market Rates

0.15%$100k-Personal Money Market Account
0.15%$100k-Business Money Market Account

Mother Lode Bank Checking Account Rates

0.01%$100-Interest Checking Account
0.01%$100-Business Interest Checking Account

Mother Lode Bank CD Rates

0.62%$25k-36 Month CD
0.37%$25k-24-35 Month CD
0.22%$25k-12-23 Month CD
0.17%$25k-6-11 Month CD
0.10%$1k-1 Year Liquid Gold Relationship CD
0.05%$1k-3-5 Month CD

Mother Lode Bank Locations
Junction Office13769-C Mono WaySonora, CA 95370
Mother Lode Bank172 West Stockton RoadSonora, CA 95370