Bank · FDIC insured
BAC Community Bank
A $761.9M bank headquartered in Stockton, CA, with 8 branches in California. Best rates: CDs 3.71% and savings 0.15% APY.
BAC Community Bank Carrot Score
62
Carrot Score
Higher than 7% of U.S. banks and credit unions
#69 of 71 in San Francisco, CA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About BAC Community Bank
Founded in 1965, BAC Community Bank moved from its original office on Dainty Avenue in Brentwood to First Street in 1968.
- Headquarters
- 517 East Weber Avenue, Stockton, CA 95202
- FDIC certificate
- 19434 ↗
Branches
8 branches in California
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California
8 branches
San Francisco area · 4
- Antioch Branch3448 Deer Valley Rd, Antioch, CA 94531Directions
- Brentwood Branch740 1st St, Brentwood, CA 94513Directions
- Country Club Branch2251 Balfour Rd, Brentwood, CA 94513Directions
- Concord Branch2090 Diamond Blvd, Concord, CA 94520Directions
Stockton area · 3
- BAC Community BankMain office517 East Weber Avenue, Stockton, CA 95202Directions
- Lodi Branch1610 W Kettleman Ln, Lodi, CA 95242Directions
- North Stockton Branch2001 W March Ln, Stockton, CA 95207Directions
Modesto area · 1
- Modesto Branch1625 J St, Modesto, CA 95354Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.44% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.18% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.77% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $68 | $81 | — |
- CapitalLeverage ratio11.44%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.18%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.77%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$68Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of BAC Community Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.