Community Bank of San Joaquin

Headquarters

22 West Yokuts Avenue
Stockton, CA 95207
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.70% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.81% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Community Bank of San Joaquin is an FDIC insured institution located in Stockton, CA. It was founded in 1999 and has approximately $0.12 billion in assets.

FDIC Insured Yes
FDIC Certificate # 35170
Date Established 1999
Assets $ 123.59 million
Loans $ 59.84 million
Deposits $ 110.67 million
Capital $ 8.41 million
 

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

Deposit Rates - January 20, 2021

Your Current Location: Connecticut, CT 06828

 

Loan Rates - January 20, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Community Bank of San Joaquin

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 2021

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Payment
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Morty, Inc.
NMLS ID: 1429243
2.480% 2.375% 1.00 $3,500 $972 Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.561% 2.500% 0.75 $2,005 $988 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
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2.240 %
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People's United Bank, N.A.
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4.000 %
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Note to Community Bank of San Joaquin
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Branches

Community Bank of San Joaquin 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


Community Bank of San Joaquin Locations


Financial Details

Community Bank of San Joaquin Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community Bank of San Joaquin. 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
Community Bank of San Joaquin U.S. Bank Average
16.83% 6.14%

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 September 30, 2020, Community Bank of San Joaquin had $1,755,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $8,405,000 in equity and $2,022,000 in loans loss reserves. That gives it a Texas Ratio of 16.83%.

Return on Equity
Community Bank of San Joaquin U.S. Bank Average
-1.63% 9.23%

Community Bank of San Joaquin has a Return on Equity of -1.63% versus the BestCashCow average of 9.23%. 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
Community Bank of San Joaquin U.S. Bank Average
6.8% 12.07%

Community Bank of San Joaquin has a Capitalization of 6.8% versus the BestCashCow average of 12.07. 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.

Community Bank of San Joaquin Balance Sheet Analysis

As of March 31, 2014, Community Bank of San Joaquin had assets of $123,585,000, loans of $59,843,000, and deposits of $110,671,000. 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

September 30, 2020
ASSETS
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 $ 59.84 million
Loan loss allowance $ 2.02 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.
LIABILITIES
Total deposits $ 110.67 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 $ 123.59 million

Summary Income Statement

September 30, 2020
INCOME AND EXPENSES
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 Community Bank of San Joaquin’s loan portfolio are Commercial Real Estate, Small Business Loans, and Commercial and Industrial Loans.

Compared to other banks in California, Community Bank of San Joaquin has a significantly higher percent of Small Business 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 9.22
Multifamily
Mortgages
5.85
Credit Card Loans 0.00
Consumer Auto Loans 0.06
Small Business Loans 28.36
Construction and Development Loans 1.38
Commercial Real Estate 37.46
Commercial and Industrial Loans 19.45
Farm Loans 11.03

Frequently Asked Questions About Community Bank Of San Joaquin

Branches and Savings

Is Community Bank Of San Joaquin FDIC insured?

Yes. It is covered under FDIC Certificate #35170.

Why does Community Bank Of San Joaquin pay such low interest on savings accounts?

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

Why are Community Bank Of San Joaquin CD rates not competitive?

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

Is Community Bank Of San Joaquin a commercial bank?

Yes

Where are Community Bank Of San Joaquin locations?

See branch locations nearby.

Is Community Bank Of San Joaquin open on Saturdays?

Is Community Bank Of San Joaquin open on Sundays?

What time does Community Bank Of San Joaquin open?

What time does Community Bank Of San Joaquin close?

Are Community Bank Of San Joaquin ATMs Open 24/7?

Do Community Bank Of San Joaquin ATMs accept cash deposits?

Can Community Bank Of San Joaquin customers use other ATMs?

Do Community Bank Of San Joaquin branches have notaries?

Will Community Bank Of San Joaquin notarize my document?

What address for Community Bank Of San Joaquin should I put for incoming ACH transfers?

Will the Community Bank Of San Joaquin branch print checks?

Do Community Bank Of San Joaquin checks expire?

Does Community Bank Of San Joaquin require US citizenship to open account?

Can Community Bank Of San Joaquin close my account?

Does Community Bank Of San Joaquin Report to credit bureaus?

Does Community Bank Of San Joaquin Use Equifax?

What is Community Bank Of San Joaquin's ACH Routing Number?

What is Community Bank Of San Joaquin's SWIFT code?

Products

Does Community Bank Of San Joaquin offer mortgages?

Compare mortgage rates here.

Does Community Bank Of San Joaquin offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Community Bank Of San Joaquin offer personal loans?

Compare personal loan rates here.

Does Community Bank Of San Joaquin offer student loans?

Will Community Bank Of San Joaquin cash a check?

Will Community Bank Of San Joaquin redeem a savings bond?

Does Community Bank Of San Joaquin cash savings bonds?

Will Community Bank Of San Joaquin cash money orders?

Can Community Bank Of San Joaquin issue a money order?

Does Community Bank Of San Joaquin do currency exchange?

Background on The Bank

Who owns Community Bank Of San Joaquin?

How long has Community Bank Of San Joaquin been around?

Can Community Bank Of San Joaquin transfer to other banks?

Does Community Bank Of San Joaquin have quick pay?

Does Community Bank Of San Joaquin accept rolled coins?

Will Community Bank Of San Joaquin accept loose change?

Where is Community Bank Of San Joaquin headquarters?

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