Total Assets
$98M
Total balance-sheet footings
FDIC Cert #23242 · Hayward, California · Est. 1980
California Pacific Bank - FDIC Bank Health Profile
A community-scale look at California Pacific Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $98M
- Total assets
- A
- Health grade · Excellent
- 1.92%
- Return on assets
- 43.2%
- Tier 1 capital
Data updated July 2026
The verdict
California Pacific Bank earns a PlainBankData health grade of A (90/100), with well-capitalized at 43.15% Tier 1, profitable at 1.92% ROA, efficient (48% cost ratio).
- #3,754
- largest of 4,313 FDIC banks by assets
- 13th
- percentile by asset size, nationally
- 43.15%
- Tier 1 ratio - above the 10% well-capitalized line
- 89th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How California Pacific Bank's 90/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
California Pacific Bank's composite health score
Tier 1 Capital Ratio (43.15%) 40/40
Return on Assets (ROA) (1.92%) 25/25
Texas Ratio (28.33%) 10/20
Efficiency Ratio (48.15%) 15/15
90 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$55M
Customer-funded liabilities
Net Loans
$72M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where California Pacific Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. California Pacific Bank's score of 90/100 falls in the highlighted band.
California Pacific 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 Pacific Bank's $98M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
43.15% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
43.15%
Texas Ratio
28.33%
Equity Capital
$41M
Profitability metrics
Return on Assets (ROA)
89th percentile nationally
1.92%
Return on Equity (ROE)
4.38%
Efficiency Ratio
48.15%
What the numbers say about California Pacific Bank
California Pacific Bank is an FDIC-insured institution (Certificate #23242) headquartered in Hayward, California, established in 1980. It holds $98M in total assets - 3,754th of 4,313 FDIC-insured banks, $55M in customer deposits, and $72M in net loans. On safety, its Tier 1 capital ratio of 43.15% is above the 10% well-capitalized threshold, and its Texas Ratio of 28.33% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (90/100), 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 Pacific Bank ranks 117th 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
$6M
Interest Income
$312K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. California Pacific Bank reports a Texas Ratio of 28.33% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
28.33% - 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 Pacific Bank (FDIC Cert #23242) - 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 Pacific Bank's health grade?▼
California Pacific Bank receives a health grade of A (90/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is California Pacific Bank?▼
California Pacific Bank holds $98M in total assets and $55M in deposits, ranking 3,754th of 4,313 FDIC-insured banks by asset size. It is headquartered in Hayward, California.
Is my money safe at California Pacific Bank?▼
Yes, deposits at California Pacific Bank (Certificate #23242) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is California Pacific Bank's Tier 1 Capital Ratio?▼
California Pacific Bank has a Tier 1 Capital Ratio of 43.15%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for California Pacific Bank?▼
California Pacific Bank has a Texas Ratio of 28.33%. 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 Pacific Bank?▼
California Pacific Bank has an Efficiency Ratio of 48.15%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read California Pacific Bank's profile as a depositor or analyst.
- California Pacific Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare California Pacific 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.