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How The Banks Rank

How The Banks Rank

These 18 San Diego-headquartered banks are ranked by Return On Assets, or ROA, the most widely used figure for tracking a lender's performance. A return of 1 percent or more in the banking industry is considered very good. Unusual circumstances, such as being a new bank or having a large loan go south, can cause a temporary decline.

Rank

Name
Address
Phone

Offices

President and/or CEO

ROA

Assets (in thousands)

Change in Assets

Core Cap/Adj Total Assets

Prov for Loan & Lease Losses (in thousands)

Operating Profit / AA

Liquid/ Total Assets

Return on Average Equity

1

San Diego National Bank
1420 Kettner Blvd.
San Diego, CA 92101
(619) 231-4989

14

Robert B. Horsman, president/CEO

1.98

$1,230,553

21.4

9.08%

0

3.5

2.21

22.27

2

Rancho Santa Fe National Bank
6110 El Tordo
Rancho Santa Fe, CA 92067
(858) 756-3023

4

James A. Boyce, president/CEO

1.75

182,482

10.06

9.48

90

3.02

7.79

19.03

3

First National Bank of North County
1145 San Marino Drive
San Marcos, CA 92069
(760) 471-1051

3

Robert E. Hahn, president

1.57

55,104

-4.24

11.61

43

1.78

4.58

14.17

4

North County Bank
444 S. Escondido Blvd.
Escondido, CA 92025
(760) 743-2200

11

James M. Gregg, CEO

1.39

351,303

4.33

9.92

270

2.38

14.99

15.07

5

First International Bank
318 Fourth Ave.
Chula Vista, CA 91910
(619) 425-5000

2

James Redman, president/CEO

1.18

61,669

-2.11

9.73

0

1.38

29.29

12.73

6

Capital Bank of North County
2602 El Camino Real
Carlsbad, CA 92008
(760) 434-3344

4

Don L. Schempp, president/CEO

1.09

101,536

11.38

7.51

118

1.73

23.97

15.36

7

Rancho Bernardo Community Bank
16495 Bernardo Center Drive
San Diego, CA 92128
(858) 451-9100

1

Alan Douglas,president

1.04

63,171

42.67

7.76

531

0.89

18.31

12.83

8

Peninsula Bank of San Diego
1331 Rosecrans St.
San Diego, CA 92106
(619) 226-5431

11

John Rebelo, CEO
Larry Willette, president

1.02

490,871

7.74

6.85

343

1.68

22.05

15.33

9

Fallbrook National Bank
130 W. Fallbrook St.
Fallbrook, CA 92008
(760) 723-8811

3

Thomas E. Swanson, president

0.94

174,870

28.61

8.3

385

1.61

9.54

11.95

10

California Bank & Trust
11622 El Camino Real, Suite 200
San Diego, CA 92130
(858) 793-7400

73

Robert Sarver, Chairman/CEO

0.81

656,985

9.23

5.88

0

1.5

14.32

9.95

11

First National Bank
401 W. A St.
San Diego, CA 92101
(619) 233-5588

9

Leon H. Reinhart president/CEO

0.79

607,928

17.39

6.96

1850

0.23

16.3

12.35

12

Scripps Bank
787 Chesapeake Court
San Diego, CA 92123
(858) 456-2265

9

Ronald J. Carlson, president/CEO

0.777

631,013

8.3

7.42

7230

1.26

10.66

10.18

13

First United Bank
7320 Clairemont Mesa Blvd.
San Diego, CA 92111
(858) 496-3800

2

Andrew Yip, president/CEO

0.36

101,178

36.1

7.29

120

0.62

33.65

4.26

14

Borrego Springs Bank
547 Palm Canyon Drive
Borrego Springs, CA 92004
(760) 767-5035

5

Frank V. Riolo, president

0.29

66,275

17.16

6.72

120

0.49

14.23

3.46

15

Cuyamaca Bank
9955 Mission Gorge Road
Santee, CA 92072
(619) 562-6400

6

Bruce Ives, president/CEO

0.1

57,681

10.51

6.34

30

0.09

18.39

1.54

16

Palomar Community Bank
355 W. Grand Ave.
Escondido, CA 92025
(760) 745-9370

1

Rick Sanborn, president

-0.24

75,760

N/A

8.54

115

0.02

12.06

-0.93

17

Southwest Community Bank
277 N. El Camino Real
Encinitas, CA 92024
(760) 634-6400

2

Frank J. Mercardante, president/CEO

-1.39

47,545

101.73

10.82

222

-1.38

26.98

-10.4

18

Neighborhood National Bank
303 A St., Suite 409
San Diego, CA 92101
(619) 544-1642

2

Robert McGill, CEO

-1.84

32,197

136.08

13.32

170

-1.84

25.43

-9.57

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