Total Assets
$122M
Total balance-sheet footings
FDIC Cert #58037 · Irvine, California · Est. 2005
California Business Bank - FDIC Bank Health Profile
A community-scale look at California Business Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $122M
- Total assets
- B
- Health grade · Good
- 0.75%
- Return on assets
- 18.0%
- Tier 1 capital
Data updated July 2026
The verdict
California Business Bank earns a PlainBankData health grade of B (70/100), with well-capitalized at 18.00% Tier 1, 0.75% ROA, 87% efficiency ratio.
- #3,565
- largest of 4,313 FDIC banks by assets
- 17th
- percentile by asset size, nationally
- 18.00%
- Tier 1 ratio - above the 10% well-capitalized line
- 27th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How California Business Bank's 70/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
California Business Bank's composite health score
Tier 1 Capital Ratio (18.00%) 40/40
Return on Assets (ROA) (0.75%) 14/25
Texas Ratio (11.26%) 16/20
Efficiency Ratio (86.57%) 0/15
70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$100M
Customer-funded liabilities
Net Loans
$89M
Outstanding loan book
Net Income
$868K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where California Business Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. California Business Bank's score of 70/100 falls in the highlighted band.
California Business Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). California Business Bank's $122M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
18.00% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
18.00%
Texas Ratio
11.26%
Equity Capital
$17M
Profitability metrics
Return on Assets (ROA)
27th percentile nationally
0.75%
Return on Equity (ROE)
5.14%
Efficiency Ratio
86.57%
What the numbers say about California Business Bank
California Business Bank is an FDIC-insured institution (Certificate #58037) headquartered in Irvine, California, established in 2005. It holds $122M in total assets - 3,565th of 4,313 FDIC-insured banks, $100M in customer deposits, and $89M in net loans. Looking at capital strength, Tier 1 stands at 18.00%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 11.26%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (70/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, California Business Bank ranks 115th of 121 banks based in California -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$7M
Interest Income
$2M
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. California Business Bank reports a Texas Ratio of 11.26% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
11.26% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) California Business Bank (FDIC Cert #58037) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |
Frequently asked questions
What is California Business Bank's health grade?▼
California Business Bank receives a health grade of B (70/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is California Business Bank?▼
California Business Bank holds $122M in total assets and $100M in deposits, ranking 3,565th of 4,313 FDIC-insured banks by asset size. It is headquartered in Irvine, California.
Is my money safe at California Business Bank?▼
Yes, deposits at California Business Bank (Certificate #58037) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is California Business Bank's Tier 1 Capital Ratio?▼
California Business Bank has a Tier 1 Capital Ratio of 18.00%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for California Business Bank?▼
California Business Bank has a Texas Ratio of 11.26%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is California Business Bank?▼
California Business Bank has an Efficiency Ratio of 86.57%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read California Business Bank's profile as a depositor or analyst.
- California Business Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare California Business Bank against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.