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California State Bank Charter - The Charter of Choice

Prospective bank applicants are encouraged to follow the links on this page to learn how to file an application to organize a state bank and to discover why a California state bank charter is the charter of choice.

About DFI

• Department History
• Department Mission, Vision, Values
• Regional Offices

Laws

• Financial Code (Organization of Banks):
• California Financial Code - Chapter 3, Article 1, Section 350 - 357
• California Financial Code - Chapter 3, Article 2, Section 360 - 365
• California Financial Code - Chapter 3, Article 4, Section 399 - 407
• Regulations
• California Code of Regulations-Title 10, Chapter 1, Subchapter 10, Article 4

Forms

• Form 10 - Application for Authority to Organize Bank (Adobe PDF)
• FDIC 3064-0006 - Interagency Biographical and Financial Report Form
• FDIC 3064-0006 - Interagency Biographical and Financial Report Form Instructions (Adobe PDF)

Resources

• Advantages of a State Charter
• Banking Statistics
• Golden Charter Anniversaries - Bank's Celebrating Anniversaries - List of state-chartered banks celebrating anniversaries - ten years or more. Congratulations!
• Guide for Groups Interested in Chartering a State Bank in California
• New State Bank Charters
• Pending Applications (Monthly Summary)
• The Dual Chartering System and the Benefits of the State Charter

Contact

• Licensing Office: licensing@dfi.ca.gov