Bank · FDIC insured
Home Bank of California
Top CarrotA $255.4M bank headquartered in San Diego, CA, with 1 branch in California. Best rates: CDs 4.35% and savings 1.87% APY.
Home Bank of California Carrot Score
Carrot ScoreTop Carrot
Higher than 93% of U.S. banks and credit unions
#2 of 35 in San Diego, CA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Home Bank of California
Home Bank of California is based in San Diego, California, and has been serving the community since 1981.
The bank focuses on commercial real estate lending and Small Business Administration (SBA) loans.
- Headquarters
- 4493 Ruffin Rd, San Diego, CA 92123
- FDIC certificate
- 26271 ↗
Branches
1 branch in California
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California
1 branch
- Home Bank of CaliforniaMain office4493 Ruffin Rd, San Diego, CA 92123Directions
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 | 12.27% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.34% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $122 | $81 | — |
- CapitalLeverage ratio12.27%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.34%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$122Peers’ 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 Home Bank of California are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.