Welcome to our dedicated page for Bank Of San Fran news (Ticker: BSFO), a resource for investors and traders seeking the latest updates and insights on Bank Of San Fran stock.
Bank of San Francisco reports company news centered on commercial and private banking activity, including financial results, loan and deposit trends, credit quality, regulatory capital ratios and relationship-banking growth. Its updates also include investor presentations and management commentary on the bank's operating performance and community banking model.
Recurring disclosures for BSFO describe a locally owned San Francisco bank that serves individuals, families, businesses and nonprofits through deposits, lending and high-touch client service.
Bank of San Francisco (OTCQX: BSFO) reported unaudited net income of $1.7 million ($0.76/diluted share) for Q2 2026, down 18% from Q1 2026 but up 1% year over year. For the first half of 2026, net income was $3.7 million, up 34% from the prior year period.
Total assets reached $863.6 million, up 13% sequentially and 29% year over year, driven by $695.8 million in loans (up 9% QoQ and 26% YoY). Deposits were $740.7 million, up 11% QoQ and 27% YoY, with non-interest-bearing deposits at 32.89% of total.
Net interest income for Q2 2026 was $8.3 million, up 1% QoQ and 19% YoY, while net interest margin was 4.30%, down from 4.47% in Q1 2026. Non-interest expense rose to $5.5 million, up 3% QoQ and 23% YoY. Credit quality metrics remained strong, with nonperforming assets at 0.07% of total assets and an allowance for credit losses of 1.19% of total loans.
Shareholders’ equity increased to $86.9 million, book value per share to $39.21, and the Bank remained well-capitalized with a Tier 1 leverage ratio of 10.92% and total risk-based capital ratio of 15.61%.
Bank of San Francisco (OTCQX:BSFO) reported unaudited net income of $2.0M, or $0.94 diluted share, for Q1 2026. Total assets rose 20% YoY, total deposits were $670.0M (+21% YoY), and total loans were $637.0M (+20% YoY). NIM was 4.47% and non-performing loans were 0.08% of assets. Book value per share was $38.94 and capital ratios remained above regulatory minimums.
Deposit growth included $10.9M in non-interest-bearing accounts; loan closings totaled $60M and unused commitments increased, supporting near-term earning-asset growth.
Bank of San Francisco (OTCQX:BSFO) said CEO William S. Keller and CFO Jennifer Corr will present at the Raymond James Economic & Strategy Seminar on March 19, 2026. Presentation materials are available via the company's Investor Deck link.
The company noted the presentation includes a non-GAAP metric (pre-tax, pre-provision income) and that a reconciliation to GAAP is posted on its Investor Relations page.
Bank of San Francisco (OTCQX: BSFO) reported unaudited net income of $2.2M and $1.03 diluted EPS for Q4 2025, and net income of $6.8M, or $3.17 diluted EPS for the year ended December 31, 2025.
Key trends: total deposits $637.6M (+20% YoY), total loans $623.0M (+23% YoY), NIM 4.32% for 2025, pre-tax pre-provision income up 17% YoY, and non-performing loans down to 0.09% of assets. The bank opened a new Laurel Village branch and noted higher non-interest expenses tied to hiring and the branch opening.