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Overview / Commentary
3715 Sunnyside Drive
Riverside, CA 92506

The Bank of Hemet is headquartered in Riverside and is the 91st largest bank in the state of California. It is also the 1,433rd largest bank in the nation. It was established in 1974 and as of March of 2014, it had grown to 81 employees at 6 locations. The Bank of Hemet 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 The Bank of Hemet had $396,000 in non-current loans and owned real-estate with $63.03 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Hemet a Texas Ratio of 0.63% 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 The Bank of Hemet decreased dramatically from 3.36% as of March 31, 2013 to 0.63% as of March 31, 2014, resulting in a positive change of 81.29%.This indicates that the balance sheet and financial strength for The Bank of Hemet has improved dramatically in recent periods.

Deposit Growth


In the past year, The Bank of Hemet has increased its total deposits by $9.35 million, resulting in 2.31% 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 The Bank of Hemet 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. The Bank of Hemet has $472.1 million in assets with $63.03 million in equity, resulting in a capitalization level of 13.35%, which is excellent.

Institution Statistics

FDIC Certificate #21606
Year Established1974
Primary RegulatorFDIC
Assets and Liabilities
Assets$472.11 million
Loans$362.45 million
Deposits$414.53 million
Equity Capital$56.60 million
Loan Loss Allowance$6.43 million
Unbacked Noncurrent Loans$396,000
Real Estate Owned$0
Historic Data - March 2013
Assets$461.60 million
Equity Capital$55.37 million
Loan Loss Allowance$6.91 million
Unbacked Noncurrent Loans$396,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.64%
Return on Assets2.47%
Return on Equity20.33%
Interest Income$5.30 million

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The Bank of Hemet Locations
Beaumont Branch1540 E. 6th Street, Suite CBeaumont, CA 92223
Westside Branch1555 West Florida AvenueHemet, CA 92543
Hemet Branch1600 East Florida Avenue, Suite 200Hemet, CA 92544
San Jacinto Branch1891 South San Jacinto Avenue, Suite ASan Jacinto, CA 92583
The Bank Of Hemet3715 Sunnyside DriveRiverside, CA 92506
Anza Branch56525 Highway 371Anza, CA 92539