Home Bank of California

Overview / Commentary
4493 Ruffin Road
San Diego, CA 92123

Home Bank of California is headquartered in San Diego and is the 129th largest bank in the state of California. It is also the 3,081st largest bank in the nation. It was established in 1981 and as of December of 2019, it had grown to 21 employees at 1 location. Home Bank of California's savings rates are 54% higher than the national average, and it boasts an A+ health rating.

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Health Grade Components

FDIC Certificate #26271
Year Established1981
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD2.73%
Return on Equity - YTD19.63%
Annual Interest Income$11.3MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$177.4MM$163.7MM
LoansQ4 2019vs Q4 2018$161.6MM$151.5MM
DepositsQ4 2019vs Q4 2018$128.9MM$121.4MM
Equity CapitalQ4 2019vs Q4 2018$24.4MM$24.0MM
Loan Loss AllowanceQ4 2019vs Q4 2018$1.4MM$1.4MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$0$0
Real Estate OwnedQ4 2019vs Q4 2018$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Home Bank of California Savings Account Rates

0.95%*$250k*-Business Super Money Fund
OTHER TIERS: 0.40% $5k - $25k | 0.55% $25k - $75k | 0.70% $75k - $125k | 0.90% $125k - $250k
0.80%*$75k*-Personal Super Money Fund
OTHER TIERS: 0.40% $1k - $25k | 0.50% $25k - $50k | 0.60% $50k - $75k
0.10%$50-Statement Savings

Home Bank of California Checking Account Rates

0.75%$2.5k-Better Business Interest Checking
0.45%$500-Personal Interest Checking

Home Bank of California CD Rates

0.90%*$10k*-60 Month CD
OTHER TIERS: 0.60% $2.5k - $10k
0.85%*$10k*-48-59 Month CD
OTHER TIERS: 0.55% $2.5k - $10k
0.80%*$10k*-36-47 Month CD
OTHER TIERS: 0.50% $2.5k - $10k
0.70%*$10k*-24-35 Month CD
OTHER TIERS: 0.40% $2.5k - $10k
0.60%*$10k*-18-23 Month CD
OTHER TIERS: 0.30% $2.5k - $10k
0.50%*$10k*-12-17 Month CD
OTHER TIERS: 0.20% $2.5k - $10k
0.10%$2.5k-3-5 Month CD
0.10%$2.5k-6-8 Month CD
0.10%$2.5k-9-11 Month CD

Home Bank of California IRA Rates

0.90%$500-60 Month IRA
0.85%$500-48-59 Month IRA
0.80%$500-36-47 Month IRA
0.70%$500-24-35 Month IRA
0.60%$500-18-23 Month IRA

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

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