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Bank of Stockton
Stockton, CA·FDIC Cert #1536·Charter: STATE·Est. 18670812.0·HC: 1867 WESTERN FINANCIAL CORP
Total Assets
$4.8B
Q4 2025
Return on Assets
2.34%
-0.78%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
53.30%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
68
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
2.34%-0.78
ROE
13.01%-4.43
Efficiency
53.30%+1.26
Equity/Assets
0.00%+0.00
NPL Ratio
0.08%+0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
63.95%+1.27
Charge-offs
0.04%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.8 | 1.2 | 2.5 | 1.8 | 4.4 | 2.6 | 3.1 | 2.3 |
| ROE | 12.3 | 8.0 | 16.1 | 11.2 | 25.1 | 14.5 | 17.4 | 13.0 |
| Efficiency | 51.9 | 52.9 | 52.1 | 57.3 | 50.8 | 52.6 | 52.0 | 53.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.1 | 0.1 | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 |
| Charge-offs | 0.0 | -0.0 | -0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.0 |
| Loan/Deposit | 58.8 | 62.7 | 65.3 | 64.5 | 63.6 | 62.8 | 62.7 | 63.9 |
Balance Sheet
Total Assets$4.8B
Total Deposits$3.7B
Total Loans$2.4B
Total Equity$880.0M
Profitability
ROA2.34%
ROE13.01%
Efficiency Ratio53.30%
Net Income$108.5M
Risk & Asset Quality
NPL Ratio0.08%
Charge-off Rate0.04%
Loan/Deposit63.95%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans