Bac Community Bank (FDIC #19434): Bank Stress & Real-Estate Credit Exposure
Bac Community Bank (FDIC Cert #19434): bank stress 75/100, severe, STABLE over 7 days; parent BAC FINANCIAL INC.
Bac Community Bank (#19434) lends in 3 counties across 1 state; Bac Community Bank (#19434) reaches 108 ZIP codes: California 3 counties, 108 ZIPs.
Bac Community Bank (#19434) largest markets: Contra Costa County, CA (196 branches, 49 ZIPs) (#19434), San Joaquin County, CA (111 branches, 37 ZIPs) (#19434), Stanislaus County, CA (28 branches, 28 ZIPs) (#19434).
Bac Community Bank (#19434) reports $761.9 million in total assets; Bac Community Bank (#19434) equity $75.4 million (9.9% of Bac Community Bank (#19434) assets); Bac Community Bank (#19434) domestic deposits $673.0 million; Bac Community Bank (#19434) net income $3.0 million; Bac Community Bank (#19434) return on assets 0.77%; Bac Community Bank (#19434) return on equity 8.01%; Bac Community Bank (#19434) net interest income $12.9 million; Bac Community Bank (#19434) call report June 30, 2026.
Bac Community Bank (#19434) noncurrent real-estate loans: none reported; Bac Community Bank (#19434) residential -0.02%; Bac Community Bank (#19434) net charge-offs on real estate 0.00%.
Bac Community Bank (#19434) net interest margin 3.55% against an eight-quarter Bac Community Bank (#19434) average of 3.19% (Bac Community Bank (#19434) compression -0.35 points); Bac Community Bank (#19434) rate-exposure score 40/100, Bac Community Bank (#19434) fixed-rate trap 40/100; Bac Community Bank (#19434) risk type credit driven; Bac Community Bank (#19434) rate regime rates elevated, Bac Community Bank (#19434) snapshot October 19, 2026.
Bac Community Bank (#19434) stress score moved from 75.9 on June 22, 2026 to 75.4 on October 20, 2026; Bac Community Bank (#19434) ranged 75.4 to 75.9 over 117 snapshots.
Bac Community Bank (#19434) alerts: 3 counties; top Bac Community Bank (#19434) alert scores: Concord County, CA 24 (low); Modesto County, CA 24 (low); Stockton County, CA 24 (low).