Bank of Stockton

Headquarters

301 East Miner Avenue
Stockton, CA 95202
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.06% 0.95% →
1-Year CD 0.40% 1.01% →
2-Year CD 0.60% 0.95% →
5-Year CD 0.60% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Bank of Stockton is an FDIC insured institution located in Stockton, CA. It was founded in 1867 and has approximately $3.34 billion in assets. Customers can open an account at one of its 19 branches.

FDIC Insured Yes
FDIC Certificate # 1536
Date Established 1867
Assets $ 3.34 billion
Loans $ 1,782.22 million
Deposits $ 2.66 billion
Capital $ 551.87 million
 

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.

Deposit Rates - October 21, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.06% $2,500 $4,999 Learn More
Money Market
0.09% $2,500 $2,999 Learn More
Money Market
0.09% $10,000 $14,999 Learn More
Money Market
0.09% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.15% $10,000 $14,999 Learn More
3 Mo CD
0.20% $100,000 $199,999 Learn More
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.40% $100,000 $199,999 Learn More
12 Mo CD
0.40% $10,000 $14,999 Learn More
12 Mo CD
0.40% $100,000 $199,999 Learn More
18 Mo CD
0.40% $10,000 $14,999 Learn More
18 Mo CD
0.40% $100,000 $199,999 Learn More
24 Mo CD
0.40% $10,000 $14,999 Learn More
24 Mo CD
0.60% $100,000 $199,999 Learn More
30 Mo CD
0.40% $10,000 $14,999 Learn More
30 Mo CD
0.60% $100,000 $199,999 Learn More
36 Mo CD
0.40% $10,000 $14,999 Learn More
36 Mo CD
0.60% $100,000 $199,999 Learn More
48 Mo CD
0.40% $10,000 $14,999 Learn More
48 Mo CD
0.60% $100,000 $199,999 Learn More
60 Mo CD
0.40% $10,000 $14,999 Learn More
60 Mo CD
0.60% $100,000 $199,999 Learn More

Fixed IRA Rates APY MIN MAX
Fixed IRA
0.20% $1 $999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.04% $2,500 $3,499 Learn MoreShow Less

Loan Rates - October 21, 2020

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.575% 2.500% 1.00 $2,468 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

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:
Fairfield,Connecticut


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
0.32% 6.94%

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 March 31, 2020, Bank of Stockton had $1,688,000 in non-current loans and $255,000 in owned real estate. To cover these potential losses it had $551,874,000 in equity and $58,428,000 in loans loss reserves. That gives it a Texas Ratio of 0.32%.

Return on Equity
Bank of Stockton U.S. Bank Average
-36.23% 7.80%

Bank of Stockton has a Return on Equity of -36.23% versus the BestCashCow average of 7.80%. 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
16.51% 12.68%

Bank of Stockton has a Capitalization of 16.51% versus the BestCashCow average of 12.68. 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 March 31, 2020, Bank of Stockton had assets of $3,343,297,000, loans of $1,782,224,000, and deposits of $2,660,849,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 367.50 million
Interest-bearing balances $ 296.72 million
Total securities $ 989.44 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,782.22 million
Loan loss allowance $ 58.43 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.26 million
Goodwill and other intangibles $ 36.48 million
All other assets $ 122.33 million
     Total Assets $ 2.79 billion
LIABILITIES
Total deposits $ 2.66 billion
      Interest-bearing deposits $ 1,767.75 million
      Deposits held in domestic offices $ 2.66 billion
      % insured (estimated) 64.99%
Federal funds purchased and repurchase agreements $ 3.61 million
Trading liabilities N.A.
Other borrowed funds $ 6.35 million
Subordinated debt N.A.
All other liabilities $ 120.62 million
      Total Liabilities $ 2.79 billion
      Shareholders’ Equity $ 551.87 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 32.39 million
Total Interest Expense $ 1.60 million
Net interest income $ 30.79 million
Provision for loan and lease losses $ 1.00 million
Total non interest income $ 4.96 million
Total non interest expense $ 15.68 million
Pre-tax Net Operating Income $ 19.06 million

Bank Loan Profile?

The top three loan types in Bank of Stockton’s loan portfolio are Commercial Real Estate, Consumer Auto Loans, 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 14.99
Multifamily
Mortgages
3.28
Credit Card Loans 0.12
Consumer Auto Loans 16.54
Small Business Loans 7.33
Construction and Development Loans 4.76
Commercial Real Estate 29.86
Commercial and Industrial Loans 11.05
Farm Loans 6.50

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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