🏦Bank Scorer

BANK OF STOCKTON

STOCKTON, CA · Supervised by FDIC

Est. 1867FDIC #1,536RSSD: FDIC-1536
Part of1867 WESTERN FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: June 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 4.57%

Institution Profile

FDIC BankFind

Address

301 E Miner Ave, STOCKTON, CA

County

San Joaquin County

Established

August 12, 1867

Total Assets

$4.8B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2025

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$4.8B

Total Deposits

$3.8B

Net Loans

$2.4B

Net Income

$55M

ROA

4.57%

ROE

24.72%

Risk-Based Capital

19.27%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate28.52%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

21

Branch Deposits

$3.7B

1-Year Change

+1

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202430563.61%28.52%
202325462.6%31.50%
202213661.76%15.44%
202132164.8%14.95%
202042970.86%13.99%
201919468.56%11.86%
201820069.5%16.50%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

13 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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