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.

Laws

• Financial Code (Organization of Banks):
• California Financial Code – Division 1.1 – Chapter 1, General Provisions
• California Financial Code – Division 1.1 – Chapter 2, Application
• California Financial Code – Division 1.1 – Chapter 3, Authorization to Engage in Banking
• Regulations
• California Code of Regulations-Title 10, Chapter 1, Subchapter 10, Article 4

Forms

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

Resources

• Advantages of a State Charter
• Banking Statistics
• Guide for Groups Interested in Chartering a State Bank in California
• Pending Applications (Monthly Summary)
• The Dual Chartering System and the Benefits of the State Charter

Contact

• Licensing Office: licensing@dfi.ca.gov