BAC FINANCIAL INC is the parent banking group. BAC COMMUNITY BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

BAC FINANCIAL INC

Legal name: BAC FINANCIAL INC.

1 active bank · $780M combined assets

RSSD ID: 3033746 (FFIEC NIC)

Combined Assets

$780M

CRA Rating Summary

Satisfactory1charter

Across all 13 exams on record for this banking group's charters, 92% resulted in Outstanding or Satisfactory.

Primary bankBAC COMMUNITY BANKSTOCKTON, CASatisfactory$780MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$780M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$685M

Net Income

$1M

ROA (avg)

0.7%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
BAC COMMUNITY BANK	STOCKTON, CA	FDIC	$780M	100.0%	Satisfactory	May 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.