BAC Community Bank

BankStockton, California
www.bankbac.com

Total Assets

$786.3M

Total Deposits

$670.9M

Branches

8

Established

1965

TFS Health Grade

$
C-

72.2 / 100

Average financial health

How we grade

BAC Community Bank is a bank headquartered in Stockton, California, established in 1965. With $786.3M in total assets and 8 branch locations, it has a TFS Financial Health Grade of C- (72.2/100).

Capital & Safety

Tier 1 Capital Ratio
11.23%(8%)
Total Capital Ratio
17.10%(10%)
Non-Performing Loan Ratio
0.01%

Profitability

Return on Assets (ROA)
0.70%(1%)
Return on Equity (ROE)
7.86%(10%)
Net Interest Margin
3.24%
Efficiency Ratio
78.38%(60%)

Lending & Liquidity

Total Loans
$482.3M
Loan-to-Deposit Ratio
70.86%
Net Charge-Off Ratio
-0.01%

Growth

Asset Growth (YoY)
+0.40%
Deposit Growth (YoY)
-3.85%
Net Income
$5.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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