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Banks vs Payday Loans in California

5,539 branches of 176 FDIC-insured banks operate in California; 115 of these banks are headquartered in the state. Data: FDIC BankFind, as of June 30, 2026. There are also 617 payday, installment and title loan stores of 10 chains in California — about 9.0 bank branches for every loan store.

Bank branches
5,539
Payday & loan stores
617
Banks with branches
176
Loan store chains
10
Bank branches per 100k
14.1
Loan stores per 100k
1.6
Headquartered in California
115

Payday loan stores by city in California

617 stores in 202 cities and towns across California. Pick a city for the full list of loan stores and bank branches with addresses and phone numbers, or scroll down for the smaller towns.

California has about 39,241,220 residents, so that's 2 loan stores and 14 bank branches per 100,000 people. Population: U.S. Census Bureau, American Community Survey.

Payday and installment loan stores in California

Storefront lenders with locations in California, by number of stores. Most offer payday, installment or title loans, which cost far more than a bank or credit union loan.

Lender Stores in CA Cities Website
ACE Cash Express 153 93 acecashexpress.com
OneMain Financial 111 96 onemainfinancial.com
Oportun 93 67 oportun.com
Advance America 72 67 advanceamerica.net
Lendmark Financial Services 57 53 lendmarkfinancial.com
loanDepot 41 39 loandepot.com
Check Into Cash 30 29 checkintocash.com
Speedy Cash 30 27 speedycash.com
Mariner Finance 22 22 marinerfinance.com
Moneytree 8 8 moneytreeinc.com

Banks with branches in California

Bank Branches in CA Headquarters Total assets Website
JPMorgan Chase Bank, National Association 857 Columbus, OH $4.1T jpmorganchase.com
Wells Fargo Bank, National Association 765 Sioux Falls, SD $1.9T wellsfargo.com
Bank of America, National Association 684 Charlotte, NC $2.7T bankofamerica.com
U.S. Bank National Association 562 Cincinnati, OH $705.6B usbank.com
Citibank, National Association 271 Sioux Falls, SD $2.0T citibank.com
BMO Bank National Association 226 Chicago, IL $255.0B bmo.com
Mechanics Bank 132 Walnut Creek, CA $21.2B mechanicsbank.com
Columbia Bank 105 Roseburg, OR $65.4B columbiabank.com
Citizens Business Bank, National Association 87 Ontario, CA $21.2B cbbank.com
Fifth Third Bank, National Association 86 Cincinnati, OH $299.2B 53.com
Banc of California 82 Los Angeles, CA $34.9B bancofcal.com
Zions Bancorporation, N.A. 78 Salt Lake City, UT $89.0B zionsbancorporation.com
Tri Counties Bank 77 Chico, CA $9.9B tcbk.com
Westamerica Bank 75 San Rafael, CA $5.8B westamerica.com
East West Bank 68 Pasadena, CA $84.3B eastwestbank.com
PNC Bank, National Association 56 Wilmington, DE $609.8B pnc.com
First-Citizens Bank & Trust Company 55 Raleigh, NC $236.3B firstcitizens.com
City National Bank 55 Los Angeles, CA $99.1B cnb.com
Poppy Bank 45 Santa Rosa, CA $8.3B poppy.bank
First Bank 45 St. Louis, MO $6.7B first.bank
Cathay Bank 44 Los Angeles, CA $24.6B cathaybank.com
Community West Bank 42 Fresno, CA $5.0B communitywestbank.com
Bank of the Sierra 35 Porterville, CA $3.7B bankofthesierra.com
Farmers & Merchants Bank of Central California 34 Lodi, CA $5.8B fmbonline.com
Banner Bank 32 Walla Walla, WA $16.6B bannerbank.com
El Dorado Savings Bank, F.S.B. 31 Placerville, CA $2.4B eldoradosavingsbank.com
Bank of Marin 29 Novato, CA $3.9B bankofmarin.com
EverBank, National Association 28 Jacksonville, FL $46.7B everbank.com
Farmers and Merchants Bank of Long Beach 27 Long Beach, CA $11.8B fmb.com
Bank of Hope 26 Los Angeles, CA $19.0B bankofhope.com
Fremont Bank 23 Fremont, CA $6.0B fremontbank.com
Sunflower Bank, National Association 22 Dallas, TX $15.7B sunflowerbank.com
Hanmi Bank 21 Los Angeles, CA $8.0B hanmi.com
Bank of Stockton 21 Stockton, CA $5.0B bankofstockton.com
Exchange Bank 21 Santa Rosa, CA $3.2B exchangebank.com
First Northern Bank of Dixon 21 Dixon, CA $1.9B thatsmybank.com
Oak Valley Community Bank 20 Oakdale, CA $2.0B ovcb.com
CTBC Bank Corp. (USA) 17 Los Angeles, CA $5.9B ctbcbankusa.com
Plumas Bank 17 Quincy, CA $2.3B plumasbank.com
Montecito Bank & Trust 17 Santa Barbara, CA $2.0B montecito.bank
United Business Bank 16 Walnut Creek, CA $2.6B unitedbusinessbank.com
Preferred Bank 14 Los Angeles, CA $7.7B preferredbank.com
California Bank of Commerce, National Association 14 San Diego, CA $4.0B californiabankofcommerce.com
Provident Savings Bank, F.S.B. 14 Riverside, CA $1.2B myprovident.com
Royal Business Bank 13 Los Angeles, CA $4.3B royalbusinessbankusa.com
PCB Bank 13 Los Angeles, CA $3.5B mypcbbank.com
Flagstar Bank, National Association 12 Hicksville, NY $87.7B flagstar.com
WaFd Bank 12 Seattle, WA $27.6B wafdbank.com
Open Bank 12 Los Angeles, CA $2.7B myopenbank.com
Western Alliance Bank 11 Phoenix, AZ $98.6B westernalliancebancorporation.com
West Coast Community Bank 11 Santa Cruz, CA $2.9B wccb.com
Enterprise Bank & Trust 10 Clayton, MO $17.4B enterprisebank.com
Five Star Bank 10 Roseville, CA $5.4B fivestarbank.com
American Business Bank 10 Los Angeles, CA $4.4B americanbb.bank
Commercial Bank of California 10 Irvine, CA $4.0B cbcal.com
Industrial and Commercial Bank of China USA, National Association 10 New York, NY $2.9B icbc-us.com
Bank of England 10 England, AR $332.3M bankofengland-ar.com
River City Bank 9 Sacramento, CA $6.0B rivercitybank.com
American Riviera Bank 9 Santa Barbara, CA $1.4B americanriviera.bank
Savings Bank of Mendocino County 9 Ukiah, CA $1.3B savingsbank.com
Citizens Bank, National Association 8 Providence, RI $232.5B citizensbank.com
The Northern Trust Company 8 Chicago, IL $178.6B northerntrust.com
UMB Bank, National Association 8 Kansas City, MO $71.9B umb.com
Mission Bank 8 Bakersfield, CA $2.0B missionbank.bank
State Bank of India (California) 8 Los Angeles, CA $1.4B sbical.com
EverTrust Bank 8 City Of Industry, CA $1.1B evertrustbank.com
First Commercial Bank (USA) 8 Alhambra, CA $849.9M bankfcb.com
BAC Community Bank 8 Stockton, CA $761.9M bankbac.com
SMBC MANUBANK 7 Los Angeles, CA $6.6B smbcmanubank.com
CalPrivate Bank 7 La Jolla, CA $2.7B calprivate.bank
US Metro Bank 7 Garden Grove, CA $1.6B usmetrobank.com
Bank of the Orient 7 San Francisco, CA $1.2B bankorient.com
HCN Bank 7 Riverside, CA $998.4M hcnbank.com
GBC International Bank 7 Los Angeles, CA $658.5M gbcib.com
HSBC Bank USA, National Association 6 Tysons, VA $173.1B about.us.hsbc.com
MidFirst Bank 6 Oklahoma City, OK $42.8B midfirst.com
Woori America Bank 6 New York, NY $4.1B wooriamericabank.com
Golden Bank, National Association 6 Houston, TX $2.3B goldenbank-na.com
Commonwealth Business Bank 6 Los Angeles, CA $2.0B cbb-bank.com
Shinhan Bank America 5 New York, NY $2.2B shbamerica.com
Beneficial State Bank 5 Oakland, CA $2.0B beneficialstatebank.com
Malaga Bank F.S.B. 5 Palos Verdes Peninsula, CA $1.4B malagabank.com
First General Bank 5 Rowland Heights, CA $1.2B firstgeneralbank.com
River Valley Community Bank 5 Yuba City, CA $793.1M myrvcb.com
Pacific Valley Bank 5 Salinas, CA $653.3M pacificvalleybank.com
Golden Valley Bank 5 Chico, CA $604.7M goldenvalley.bank
Chino Commercial Bank, N.A. 5 Chino, CA $516.7M chinocommercialbank.com
First Pacific Bank 5 Whittier, CA $514.4M firstpacbank.com
Universal Bank 5 West Covina, CA $388.0M universalbank.com
Bank OZK 4 Little Rock, AR $41.7B ozk.com
BNY Mellon, National Association 4 Pittsburgh, PA $30.6B bny.com
Sunwest Bank 4 Sandy, UT $4.4B sunwestbank.com
Summit State Bank 4 Santa Rosa, CA $959.8M summitstatebank.com
C3bank, National Association 4 Encinitas, CA $949.3M c3bank.com
Pinnacle Bank 4 Gilroy, CA $937.0M pinnacle.bank
American Plus Bank, N.A. 4 Arcadia, CA $935.0M bankaplus.com
Endeavor Bank 4 San Diego, CA $822.7M endeavor.bank
Mission Valley Bank 4 Sun Valley, CA $782.0M missionvalleybank.com
Redwood Capital Bank 4 Eureka, CA $566.0M rdwo.com
New OMNI Bank, National Association 4 Alhambra, CA $517.9M newomnibank.com
Mega Bank 4 San Gabriel, CA $506.7M megabankusa.com
Community Commerce Bank 4 Claremont, CA $422.7M ccombank.com
Liberty Bank, National Association 4 Irvine, CA $399.2M libertybk.com
Balboa Thrift and Loan Association 4 Chula Vista, CA $394.5M balboathrift.com
American Continental Bank 4 City Of Industry, CA $385.3M americancontinentalbank.com
Monterey County Bank 4 Monterey, CA $300.4M montereycountybank.com
Metropolitan Bank 4 Oakland, CA $230.2M met.bank
First Federal Savings and Loan Association of San Rafael 4 San Rafael, CA $222.1M ffsavings.com
Valley National Bank 3 Passaic, NJ $66.2B valley.com
SoFi Bank, National Association 3 Cottonwood Heights, UT $56.8B sofi.com
American First National Bank 3 Houston, TX $2.9B afnb.com
Avidbank 3 San Jose, CA $2.7B avidbank.com
FFB Bank 3 Fresno, CA $1.6B ffb.bank
City First Bank, National Association 3 Washington, DC $1.6B cityfirstbank.com
Southwestern National Bank 3 Houston, TX $1.4B southwesternbank.com
Golden State Bank 3 Glendale, CA $1.0B goldenstatebank.com
Pacific Alliance Bank 3 San Gabriel, CA $454.4M pacificalliancebank.com
Safra National Bank of New York 2 New York, NY $15.7B safra.com
Israel Discount Bank of New York 2 New York, NY $14.4B idbny.com
Metro City Bank 2 Doraville, GA $4.5B metrocitybank.bank
Monet Bank 2 Plano, TX $3.2B monet.bank
Habib American Bank 2 New York, NY $2.8B hab.bank
Wallis Bank 2 Wallis, TX $1.4B wallisbank.com
Bank of San Francisco 2 San Francisco, CA $863.6M bankbsf.com
Wilmington Trust, National Association 2 Wilmington, DE $772.1M wilmingtontrust.com
OneUnited Bank 2 Boston, MA $637.9M oneunited.com
Partners Bank of California 2 Mission Viejo, CA $602.2M partnersbankca.com
Magnolia Bank, Incorporated 2 Elizabethtown, KY $546.3M magnoliabank.com
CIBC National Trust Company 2 Atlanta, GA $412.8M private-wealth.us.cibc.com
Community Bank of Santa Maria 2 Santa Maria, CA $396.5M yourcbsm.com
Murphy Bank 2 Fresno, CA $357.2M murphybank.com
Genesis Bank 2 Newport Beach, CA $340.3M mygenesisbank.com
Gateway Bank, F.S.B. 2 Oakland, CA $288.2M gatewayfsb.com
Neighborhood National Bank 2 El Cajon, CA $228.0M mynnb.com
United Pacific Bank 2 City Of Industry, CA $191.0M upbnet.com
Beach Cities Commercial Bank 2 Irvine, CA $188.9M beachcitiescb.com
BEACON BUSINESS BANK, NATIONAL ASSOCIATION 2 San Francisco, CA $164.4M beaconbusinessbank.com
Icon Business Bank 2 Riverside, CA $155.5M iconbusinessbank.com
Eastern International Bank 2 Los Angeles, CA $125.8M eibankca.com
California Pacific Bank 2 Hayward, CA $102.6M calpacificbank.com
The Bank of New York Mellon 1 New York, NY $425.1B bny.com
Pinnacle Bank 1 Nashville, TN $128.8B pnfp.com
Axos Bank 1 San Diego, CA $28.9B axosbank.com
Bank of America California, National Association 1 San Francisco, CA $14.8B bankofamerica.com
Happen Bank, National Association 1 Lehi, UT $12.5B happen.com
Beal Bank USA 1 Las Vegas, NV $11.0B bealbankusa.com
Byline Bank 1 Chicago, IL $9.9B bylinebank.com
Amalgamated Bank 1 New York, NY $9.4B amalgamatedbank.com
First American Trust, FSB 1 Santa Ana, CA $9.2B firstamtrust.com
Mizrahi Tefahot Bank, Ltd. 1 Los Angeles, CA $7.4B —
First Western Trust Bank 1 Denver, CO $3.2B myfw.com
Bank of Guam 1 Hagatna, GU $3.2B bankofguam.com
TIB National Association 1 Farmers Branch, TX $3.0B tib.bank
Esquire Bank, National Association 1 Jericho, NY $2.5B esquirebank.com
Citizens National Bank of Texas 1 Waxahachie, TX $2.2B cnboftexas.com
Column National Association 1 Salt Lake City, UT $1.8B column.com
The Bank of New York Mellon Trust Company, National Association 1 Los Angeles, CA $1.4B bny.com
Pacific Coast Bankers' Bank 1 Walnut Creek, CA $1.2B pcbb.com
Commerce West Bank 1 Irvine, CA $1.2B cwbk.com
Hana Bank USA, National Association 1 Fort Lee, NJ $835.2M hanabank.us
First Credit Bank 1 Los Angeles, CA $515.8M —
Austin Capital Bank SSB 1 Austin, TX $395.4M austincapitalbank.com
Infinity Bank 1 Santa Ana, CA $359.5M infinity.bank
Bank Irvine 1 Irvine, CA $305.6M bankirvine.com
Mission National Bank 1 San Francisco, CA $276.4M mnbsf.com
Capital Bank and Trust Company 1 Irvine, CA $266.1M americanfunds.com
Summit Bank 1 Oakland, CA $264.4M summitbanking.com
Home Bank of California 1 San Diego, CA $255.4M hbc.bank
Hatch Bank 1 San Marcos, CA $177.5M hatchbank.com
Bank of Whittier, National Association 1 Whittier, CA $152.6M whittierbank.com
California Business Bank 1 Irvine, CA $130.5M californiabusinessbank.com
California International Bank, N.A. 1 Westminster, CA $120.9M cali.bank
Legacy Bank 1 Murrieta, CA $112.8M legacybankca.com
Tustin Community Bank 1 Tustin, CA $86.5M tustin.bank
Altos Bank 1 Los Altos, CA $68.8M altosbank.com
Asian Pacific National Bank 1 San Gabriel, CA $56.9M asianpacificbank.com

Bank branches in California by type

Full-service branches
5,211
94.1%
In-store branches
160
2.9%
Drive-thru & detached
23
0.4%
Loan offices
77
1.4%
Other limited-service
68
1.2%

Banks vs loan stores: cities in California

City Bank branches Banks Loan stores
Los Angeles 307 62 41
San Francisco 198 47 4
San Diego 183 37 12
San Jose 120 25 10
Sacramento 101 31 14
Irvine 94 49 2
Fresno 67 22 17
Oakland 59 27 6
Long Beach 51 18 5
Bakersfield 50 14 18
Torrance 46 30 6
Riverside 41 16 10

Bank branches are located in 584 California cities and towns.

More city pages in California

Loan stores in smaller towns of California

Other cities and towns in California with payday or installment loan stores, and the number of stores in each.

Bank branches as reported to the FDIC, including main offices. Total assets are for the whole bank, not only its California branches. Loan stores: storefront locations of major payday, installment and title lenders; online-only lenders are not included.