Bank of Stockton

301 East Miner Avenue
Stockton, CA 95202

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 1536
Date Established 1867
Assets $2.88 billion
Loans $1.62 billion
Deposits $2.33 billion
Capital $0.41 billion

Bank of Stockton is an FDIC insured institution located in Stockton, CA. It was founded in 1867 and has approximately $2.88 billion in assets. Customers can open an account at one of its 19 branches.

For a more detailed analysis of Bank of Stockton'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 Bank of Stockton’s loan portfolio are Consumer Auto Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in California, Bank of Stockton has a significantly higher percent of Credit Card Loans, Consumer Auto Loans, Farm Loans 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 13.55
Multifamily
Mortgages
3.43
Credit Card Loans 0.14
Consumer Auto Loans 24.25
Small Business Loans 5.98
Construction and Development Loans 1.87
Commercial Real Estate 23.89
Commercial and Industrial Loans 12.47
Farm Loans 8.11

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.08% $10,000 $49,999 Learn MoreShow Less
3 Mo CD 100K
0.08% $100,000 - Learn MoreShow Less
6 Mo CD 10K
0.10% $10,000 $49,999 Learn MoreShow Less
6 Mo CD 100K
0.10% $100,000 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.04% $100 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.18% $1 $2,499 Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.05% $2,500 $9,999 Learn MoreShow Less
MM 10K
0.05% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.05% $25,000 $49,999 Learn MoreShow Less
PREMM Rates APY MIN MAX
Premium MM 10K
0.05% $1 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.01% $100 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bank of Stockton

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 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Poli Mortgage Group Inc
NMLS ID: 1979
License#: MC-5501
3.875% 3.875% 0.00 $0 $1,176 Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Bank of Stockton
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

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

Your Location:
Ashburn,Virginia


Bank Of Stockton Locations

Financial Details

Bank of Stockton Ratio Analysis

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

Texas Ratio
Bank of Stockton U.S. Bank Average
0.96% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Bank of Stockton had $3,894,000 in non-current loans and $600,000 in owned real estate. To cover these potential losses it had $414,507,000 in equity and $53,593,000 in loans loss reserves. That gives it a Texas Ratio of 0.96%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Bank of Stockton U.S. Bank Average
8.03% 8.58

Bank of Stockton has a Return on Equity of 8.03% versus the BestCashCow average of 8.58. 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.

Capitalization
Bank of Stockton U.S. Bank Average
14.37% 12.11

Bank of Stockton has a Capitalization of 14.37% versus the BestCashCow average of 12.11. 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.

Bank of Stockton Balance Sheet Analysis

As of June 30, 2017, Bank of Stockton had assets of $2,884,706,000, loans of $1,622,586,000, and deposits of $2,333,192,000. 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.

Frequently Asked Questions About Bank of Stockton

Branches and Savings

Is Bank of Stockton FDIC insured?

Yes. It is covered under FDIC Certificate #1536.

Why does Bank of Stockton pay such low interest on savings accounts?

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

Why are Bank of Stockton CD rates not competitive?

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

Is Bank of Stockton a commercial bank?

Yes

Where are Bank of Stockton locations?

See branch locations nearby.

Is Bank of Stockton open on Saturdays?

Is Bank of Stockton open on Sundays?

What time does Bank of Stockton open?

What time does Bank of Stockton close?

Are Bank of Stockton ATMs Open 24/7?

Do Bank of Stockton ATMs accept cash deposits?

Can Bank of Stockton customers use other ATMs?

Do Bank of Stockton branches have notaries?

Will Bank of Stockton notarize my document?

What address for Bank of Stockton should I put for incoming ACH transfers?

Will the Bank of Stockton branch print checks?

Do Bank of Stockton checks expire?

Does Bank of Stockton require US citizenship to open account?

Can Bank of Stockton close my account?

Does Bank of Stockton Report to credit bureaus?

Does Bank of Stockton Use Equifax?

What is Bank of Stockton's ACH Routing Number?

What is Bank of Stockton's SWIFT code?

Products

Does Bank of Stockton offer mortgages?

Compare mortgage rates here.

Does Bank of Stockton offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank of Stockton offer personal loans?

Compare personal loan rates here.

Does Bank of Stockton offer student loans?

Will Bank of Stockton cash a check?

Will Bank of Stockton redeem a savings bond?

Does Bank of Stockton cash savings bonds?

Will Bank of Stockton cash money orders?

Can Bank of Stockton issue a money order?

Does Bank of Stockton do currency exchange?

Background on The Bank

Who owns Bank of Stockton?

How long has Bank of Stockton been around?

Can Bank of Stockton transfer to other banks?

Does Bank of Stockton have quick pay?

Does Bank of Stockton accept rolled coins?

Will Bank of Stockton accept loose change?

Where is Bank of Stockton headquarters?

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