RANKING ·
Highest net interest margin in California
114 of 120 banks in California that filed for the quarter ended June 30, 2026 are ranked. At least $100 million in total assets. Institutions with equal values share a rank. Source: FDIC quarterly financial data.
| Rank | Institution | Headquarters | Net interest margin | Total assets |
|---|---|---|---|---|
| 1 | California International Bank N.A. | Westminster, CA | 7.04% | $121 million |
| 2 | First Credit Bank | Los Angeles, CA | 6.83% | $516 million |
| 3 | California Pacific Bank | Hayward, CA | 5.49% | $103 million |
| 4 | Infinity Bank | Santa Ana, CA | 5.35% | $360 million |
| 5 | Community West Bank | Fresno, CA | 5.32% | $5.0 billion |
| 6 | West Coast Community Bank | Santa Cruz, CA | 5.22% | $2.9 billion |
| 7 | Hatch Bank | San Marcos, CA | 5.22% | $177 million |
| 8 | Plumas Bank | Quincy, CA | 5.21% | $2.3 billion |
| 9 | Calprivate Bank | La Jolla, CA | 5.21% | $2.7 billion |
| 10 | New Omni Bank N.A. | Alhambra, CA | 5.20% | $518 million |
| 11 | Murphy Bank | Fresno, CA | 5.20% | $357 million |
| 12 | Balboa Thrift and Loan Association | Chula Vista, CA | 5.14% | $394 million |
| 13 | First General Bank | Rowland Heights, CA | 5.06% | $1.2 billion |
| 14 | Ffb Bank | Fresno, CA | 4.89% | $1.6 billion |
| 15 | California Bank of Commerce N.A. | San Diego, CA | 4.83% | $4.0 billion |
| 16 | Summit Bank | Oakland, CA | 4.75% | $264 million |
| 17 | Blackrock Institutional Trust Company N.A. | San Francisco, CA | 4.73% | $4.8 billion |
| 18 | Axos Bank | San Diego, CA | 4.66% | $28.9 billion |
| 19 | Endeavor Bank | San Diego, CA | 4.65% | $823 million |
| 20 | Mission Valley Bank | Sun Valley, CA | 4.57% | $782 million |
| 21 | Home Bank of California | San Diego, CA | 4.55% | $255 million |
| 22 | Legacy Bank | Murrieta, CA | 4.49% | $113 million |
| 23 | Community Bank of Santa Maria | Santa Maria, CA | 4.48% | $397 million |
| 24 | Mission Bank | Bakersfield, CA | 4.48% | $2.0 billion |
| 25 | California Business Bank | Irvine, CA | 4.41% | $130 million |
| 26 | Icon Business Bank | Riverside, CA | 4.33% | $156 million |
| 27 | Golden State Bank | Glendale, CA | 4.28% | $1.0 billion |
| 28 | Avidbank | San Jose, CA | 4.28% | $2.7 billion |
| 29 | Redwood Capital Bank | Eureka, CA | 4.26% | $566 million |
| 30 | Mega Bank | San Gabriel, CA | 4.23% | $507 million |
| 31 | United Pacific Bank | City of Industry, CA | 4.22% | $191 million |
| 32 | Bank of San Francisco | San Francisco, CA | 4.21% | $864 million |
| 33 | Tri Counties Bank | Chico, CA | 4.21% | $9.9 billion |
| 34 | American Continental Bank | City of Industry, CA | 4.20% | $385 million |
| 35 | Farmers & Merchants Bank of Central California | Lodi, CA | 4.20% | $5.8 billion |
| 36 | Fremont Bank | Fremont, CA | 4.10% | $6.0 billion |
| 37 | Hcn Bank | Riverside, CA | 4.09% | $998 million |
| 38 | Oak Valley Community Bank | Oakdale, CA | 4.09% | $2.0 billion |
| 39 | American Riviera Bank | Santa Barbara, CA | 4.09% | $1.4 billion |
| 40 | American Plus Bank N.A. | Arcadia, CA | 4.06% | $935 million |
| 41 | The Bank of New York Mellon Trust Company, National Association | Los Angeles, CA | 4.06% | $1.4 billion |
| 42 | Citizens Business Bank N.A. | Ontario, CA | 4.06% | $21.2 billion |
| 43 | American Business Bank | Los Angeles, CA | 4.05% | $4.4 billion |
| 44 | Eastern International Bank | Los Angeles, CA | 4.04% | $126 million |
| 45 | Beneficial State Bank | Oakland, CA | 4.04% | $2.0 billion |
| 46 | Summit State Bank | Santa Rosa, CA | 4.03% | $960 million |
| 47 | Beach Cities Commercial Bank | Irvine, CA | 4.00% | $189 million |
| 48 | Partners Bank of California | Mission Viejo, CA | 3.99% | $602 million |
| 49 | Pacific Valley Bank | Salinas, CA | 3.98% | $653 million |
| 50 | Commercial Bank of California | Irvine, CA | 3.92% | $4.0 billion |
| 51 | Chino Commercial Bank N.A. | Chino, CA | 3.92% | $517 million |
| 52 | Westamerica Bank | San Rafael, CA | 3.91% | $5.8 billion |
| 53 | Montecito Bank & Trust | Santa Barbara, CA | 3.90% | $2.0 billion |
| 54 | United Business Bank | Walnut Creek, CA | 3.90% | $2.6 billion |
| 55 | Neighborhood National Bank | El Cajon, CA | 3.89% | $228 million |
| 56 | Savings Bank of Mendocino County | Ukiah, CA | 3.88% | $1.3 billion |
| 57 | Metropolitan Bank | Oakland, CA | 3.88% | $230 million |
| 58 | Monterey County Bank | Monterey, CA | 3.87% | $300 million |
| 59 | Bank of Stockton | Stockton, CA | 3.83% | $5.0 billion |
| 60 | Five Star Bank | Roseville, CA | 3.79% | $5.4 billion |
| 61 | First Northern Bank of Dixon | Dixon, CA | 3.78% | $1.9 billion |
| 62 | C3bank N.A. | Encinitas, CA | 3.77% | $949 million |
| 63 | Preferred Bank | Los Angeles, CA | 3.76% | $7.7 billion |
| 64 | Mechanics Bank | Walnut Creek, CA | 3.75% | $21.2 billion |
| 65 | Deutsche Bank National Trust Company | Los Angeles, CA | 3.74% | $586 million |
| 66 | Bank of the Sierra | Porterville, CA | 3.73% | $3.7 billion |
| 67 | Gbc International Bank | Los Angeles, CA | 3.72% | $658 million |
| 68 | Bac Community Bank | Stockton, CA | 3.70% | $762 million |
| 69 | First Pacific Bank | Whittier, CA | 3.66% | $514 million |
| 70 | Pinnacle Bank | Gilroy, CA | 3.65% | $937 million |
| 71 | Golden Valley Bank | Chico, CA | 3.63% | $605 million |
| 72 | Capital Bank and Trust Company | Irvine, CA | 3.61% | $266 million |
| 73 | US Metro Bank | Garden Grove, CA | 3.56% | $1.6 billion |
| 74 | Bank of Marin | Novato, CA | 3.55% | $3.9 billion |
| 75 | Cathay Bank | Los Angeles, CA | 3.54% | $24.6 billion |
| 76 | Genesis Bank | Newport Beach, CA | 3.52% | $340 million |
| 77 | Evertrust Bank | City of Industry, CA | 3.48% | $1.1 billion |
| 78 | Poppy Bank | Santa Rosa, CA | 3.47% | $8.3 billion |
| 79 | East West Bank | Pasadena, CA | 3.46% | $84.3 billion |
| 80 | Hanmi Bank | Los Angeles, CA | 3.46% | $8.0 billion |
| 81 | Bank of the Orient | San Francisco, CA | 3.43% | $1.2 billion |
| 82 | Liberty Bank N.A. | Irvine, CA | 3.38% | $399 million |
| 83 | Beacon Business Bank N.A. | San Francisco, CA | 3.38% | $164 million |
| 84 | Bank Irvine | Irvine, CA | 3.36% | $306 million |
| 85 | First Commercial Bank (U.S.A) | Alhambra, CA | 3.36% | $850 million |
| 86 | Pcb Bank | Los Angeles, CA | 3.35% | $3.5 billion |
| 87 | Malaga Bank FSB | Palos Verdes Pen, CA | 3.35% | $1.4 billion |
| 88 | Royal Business Bank | Los Angeles, CA | 3.35% | $4.3 billion |
| 89 | Banc of California | Los Angeles, CA | 3.31% | $34.9 billion |
| 90 | City National Bank | Los Angeles, CA | 3.29% | $99.1 billion |
| 91 | Exchange Bank | Santa Rosa, CA | 3.26% | $3.2 billion |
| 92 | River Valley Community Bank | Yuba City, CA | 3.25% | $793 million |
| 93 | Community Commerce Bank | Claremont, CA | 3.24% | $423 million |
| 94 | Provident Savings Bank, F.S.B. | Riverside, CA | 3.23% | $1.2 billion |
| 95 | Commonwealth Business Bank | Los Angeles, CA | 3.22% | $2.0 billion |
| 96 | Open Bank | Los Angeles, CA | 3.18% | $2.7 billion |
| 97 | Pacific Alliance Bank | San Gabriel, CA | 3.16% | $454 million |
| 98 | Commercewest Bank | Irvine, CA | 3.14% | $1.2 billion |
| 99 | Pacific Coast Bankers' Bank | Walnut Creek, CA | 3.14% | $1.2 billion |
| 100 | Gateway Bank, F.S.B. | Oakland, CA | 3.13% | $288 million |
Rankings sort one published measure; they are not an overall judgment of any institution. Methodology · All rankings