America California Bank


417 Montgomery Street
San Francisco, CA 94104
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.10% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

America California Bank is an FDIC insured institution located in San Francisco, CA. It was founded in 1972 and has approximately $0.13 billion in assets.

FDIC Insured Yes
FDIC Certificate # 20726
Date Established 1972
Assets $ 132.59 million
Loans $ 92.73 million
Deposits $ 97.74 million
Capital $ 17.99 million

For a more detailed analysis of America California Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 15, 2021

Your Current Location: Virginia, VA 20146


Loan Rates - October 15, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for America California Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.600% 3.500%
0.75 points
$3,125 fees
$1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to America California Bank
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Climate Initiatives

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Financial Details

America California Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of America California Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
America California Bank U.S. Bank Average
0% 4.78%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2021, America California Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $17,993,000 in equity and $2,627,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
America California Bank U.S. Bank Average
3.06% 11.29%

America California Bank has a Return on Equity of 3.06% versus the BestCashCow average of 11.29%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

America California Bank U.S. Bank Average
13.57% 11.72%

America California Bank has a Capitalization of 13.57% versus the BestCashCow average of 11.72. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

America California Bank Balance Sheet Analysis

As of March 31, 2015, America California Bank had assets of $127,281,000, loans of $92,730,000, and deposits of $97,740,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 92.73 million
Loan loss allowance $ 2.63 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 97.74 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 132.59 million

Summary Income Statement

June 30, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in America California Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and 1-4 Family Residential Loans.

Compared to other banks in California, America California Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 16.76
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 26.06
Construction and Development Loans 6.74
Commercial Real Estate 67.60
Commercial and Industrial Loans 4.24
Farm Loans 0.00

Frequently Asked Questions About America California Bank

Branches and Savings

Is America California Bank FDIC insured?

Yes. It is covered under FDIC Certificate #20726.

Why does America California Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are America California Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is America California Bank a commercial bank?


Where are America California Bank locations?

See branch locations nearby.

Is America California Bank open on Saturdays?

Is America California Bank open on Sundays?

What time does America California Bank open?

What time does America California Bank close?

Are America California Bank ATMs Open 24/7?

Do America California Bank ATMs accept cash deposits?

Can America California Bank customers use other ATMs?

Do America California Bank branches have notaries?

Will America California Bank notarize my document?

What address for America California Bank should I put for incoming ACH transfers?

Will the America California Bank branch print checks?

Do America California Bank checks expire?

Does America California Bank require US citizenship to open account?

Can America California Bank close my account?

Does America California Bank Report to credit bureaus?

Does America California Bank Use Equifax?

What is America California Bank's ACH Routing Number?

What is America California Bank's SWIFT code?


Does America California Bank offer mortgages?

Compare mortgage rates here.

Does America California Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does America California Bank offer personal loans?

Compare personal loan rates here.

Does America California Bank offer student loans?

Will America California Bank cash a check?

Will America California Bank redeem a savings bond?

Does America California Bank cash savings bonds?

Will America California Bank cash money orders?

Can America California Bank issue a money order?

Does America California Bank do currency exchange?

Background on The Bank

Who owns America California Bank?

How long has America California Bank been around?

Can America California Bank transfer to other banks?

Does America California Bank have quick pay?

Does America California Bank accept rolled coins?

Will America California Bank accept loose change?

Where is America California Bank headquarters?

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