🏦Bank Scorer

BAY COMMERCIAL BANK

WALNUT CREEK, CA · Supervised by FDIC

Est. 2004FDIC #57,716RSSD: FDIC-57716
Part ofBAYCOM CORP→ View all charters
Satisfactory

Current rating · Exam: October 2006

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.29%

Institution Profile

FDIC BankFind

Address

500 Ygnacio Valley Rd, WALNUT CREEK, CA

County

Contra Costa County

Established

July 20, 2004

Total Assets

$2.6B(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

October 1, 2006

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 19 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.6B

Total Deposits

$2.3B

Net Loans

$2.0B

Net Income

$8M

ROA

1.29%

ROE

10.12%

Risk-Based Capital

15.55%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

34

Branch Deposits

$2.2B

1-Year Change

-1

This is the only examination on record for this bank.

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