Bank Of Southern California is headquartered in SAN DIEGO and is the 29th largest bank in the state of California. It is also the 335th largest bank in the nation. It was established in 2001 and as of March of 2025, it had grown to 291 employees at 14 locations. Bank Of Southern California has an A+ health rating.
DO Not USE!
This bank is so small and backwards! They use archaic systems, policies and the employees have no ability to give answers, solve problems or help people! If you ask too many questions you get yelled at by the Branch Manager Kristin! She is very offensive, heartless and unhelpful!
It is like going back to 1930 to go to and use this bank. They do not want customers with problems or that need help -- only easy and with lots of money -- it is a money grab!
Sad, this bank had so much potential but I would NEVER ever use or recommend this bank to anyone!
They want your money then they hold it for far longer than the industry average or any other bank would -- :( :(
I deposit over 1.5M per year -- Not the bank for me!
FDIC, you should investigate their practices!
Health Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 57044 |
| Year Established | 2001 |
| Employees | 291 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.79% |
| Return on Equity - YTD | 12.19% |
| Annual Interest Income | $56.8MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $3.98B$2.29B |
| Loans | Q1 2025vs Q1 2024 | $3.03B$1.86B |
| Deposits | Q1 2025vs Q1 2024 | $3.35B$1.93B |
| Equity Capital | Q1 2025vs Q1 2024 | $597.6MM$305.3MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $45.8MM$22.3MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $22.6MM$6.2MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $4.1MM$13.1MM |
