BAC Community Bank

517 East Weber Avenue
Stockton, CA 95202


General Bank Information

FDIC Insured Yes
FDIC Certificate # 19434
Date Established 1965
Assets $0.62 billion
Loans $0.40 billion
Deposits $0.56 billion
Capital $0.06 billion

BAC Community Bank is an FDIC insured institution located in Stockton, CA. It was founded in 1965 and has approximately $0.62 billion in assets. Customers can open an account at one of its 12 branches.

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

Bank Loan Profile?

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

Compared to other banks, BAC Community Bank’s loan portfolio does not show any specific loan specialty.

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 11.77
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 11.48
Construction and Development Loans 3.70
Commercial Real Estate 50.87
Commercial and Industrial Loans 9.16
Farm Loans 3.40

Deposit Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.07% $10,000 $49,999 Learn MoreShow Less
3 Mo CD 100K
0.08% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
MM 10K
0.07% $2,500 $99,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.01% $1,000 $24,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for BAC Community 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 2018

Lender APR Rate (%) Points Fees Monthly
Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
License#: MC-2462
4.703% 4.625% 0.38 $2,265 $1,286 Learn More
AmeriSave Mortgage Corporation
NMLS ID: 1168
4.711% 4.625% 0.50 $2,510 $1,286 Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.409% 4.375% 0.00 $1,104 $1,249 Learn More
PenFed Credit Union
NMLS ID: 401822
4.585% 4.500% 0.00 $2,500 $1,267 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More
Flagstar Bank 5.490% $283.58 Learn More

Note to BAC Community Bank
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BAC Community Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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BAC Community Bank Locations

Financial Details

BAC Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of BAC Community 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
BAC Community Bank U.S. Bank Average
5.76% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 September 30, 2017, BAC Community Bank had $2,781,000 in non-current loans and $867,000 in owned real estate. To cover these potential losses it had $57,185,000 in equity and $6,133,000 in loans loss reserves. That gives it a Texas Ratio of 5.76%.

Return on Equity
BAC Community Bank U.S. Bank Average
10.03% 8.84%

BAC Community Bank has a Return on Equity of 10.03% versus the BestCashCow average of 8.84%. 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.

BAC Community Bank U.S. Bank Average
9.17% 12.21%

BAC Community Bank has a Capitalization of 9.17% versus the BestCashCow average of 12.21. 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.

BAC Community Bank Balance Sheet Analysis

As of December 31, 2017, BAC Community Bank had assets of $623,681,000, loans of $395,433,000, and deposits of $561,748,000. 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

Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.01 billion
Total securities $0.17 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.40 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.02 billion
     Total Assets $0.57 billion
Total deposits $0.56 billion
      Interest-bearing deposits $0.35 billion
      Deposits held in domestic offices $0.56 billion
      % insured (estimated) 69.55%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.57 billion
      Shareholders’ Equity $0.06 billion

Summary Income Statement

Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.02 billion
Pre-tax Net Operating Income $0.01 billion

Frequently Asked Questions About Bac Community Bank

Branches and Savings

Is Bac Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #19434.

Why does Bac Community Bank pay such low interest on savings accounts?

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

Why are Bac Community Bank CD rates not competitive?

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

Is Bac Community Bank a commercial bank?


Where are Bac Community Bank locations?

See branch locations nearby.

Is Bac Community Bank open on Saturdays?

Is Bac Community Bank open on Sundays?

What time does Bac Community Bank open?

What time does Bac Community Bank close?

Are Bac Community Bank ATMs Open 24/7?

Do Bac Community Bank ATMs accept cash deposits?

Can Bac Community Bank customers use other ATMs?

Do Bac Community Bank branches have notaries?

Will Bac Community Bank notarize my document?

What address for Bac Community Bank should I put for incoming ACH transfers?

Will the Bac Community Bank branch print checks?

Do Bac Community Bank checks expire?

Does Bac Community Bank require US citizenship to open account?

Can Bac Community Bank close my account?

Does Bac Community Bank Report to credit bureaus?

Does Bac Community Bank Use Equifax?

What is Bac Community Bank's ACH Routing Number?

What is Bac Community Bank's SWIFT code?


Does Bac Community Bank offer mortgages?

Compare mortgage rates here.

Does Bac Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bac Community Bank offer personal loans?

Compare personal loan rates here.

Does Bac Community Bank offer student loans?

Will Bac Community Bank cash a check?

Will Bac Community Bank redeem a savings bond?

Does Bac Community Bank cash savings bonds?

Will Bac Community Bank cash money orders?

Can Bac Community Bank issue a money order?

Does Bac Community Bank do currency exchange?

Background on The Bank

Who owns Bac Community Bank?

How long has Bac Community Bank been around?

Can Bac Community Bank transfer to other banks?

Does Bac Community Bank have quick pay?

Does Bac Community Bank accept rolled coins?

Will Bac Community Bank accept loose change?

Where is Bac Community Bank headquarters?

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