Total Assets
$713M
Total balance-sheet footings
FDIC Cert #58588 · Mission Viejo, California · Est. 2007
Partners Bank of California - FDIC Bank Health Profile
A community-scale look at Partners Bank of California's own numbers, pulled straight from its quarterly FDIC Call Report.
- $713M
- Total assets
- A
- Health grade · Excellent
- 0.87%
- Return on assets
- 13.7%
- Tier 1 capital
Data updated July 2026
The verdict
Partners Bank of California earns a PlainBankData health grade of A (81/100), with well-capitalized at 13.75% Tier 1, 0.87% ROA, efficient (53% cost ratio).
- #1,368
- largest of 4,313 FDIC banks by assets
- 68th
- percentile by asset size, nationally
- 13.75%
- Tier 1 ratio - above the 10% well-capitalized line
- 33rd
- 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 Partners Bank of California's 81/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Partners Bank of California's composite health score
Tier 1 Capital Ratio (13.75%) 35/40
Return on Assets (ROA) (0.87%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (52.69%) 12/15
81 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$617M
Customer-funded liabilities
Net Loans
$464M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Partners Bank of California ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Partners Bank of California's score of 81/100 falls in the highlighted band.
Partners Bank of California'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). Partners Bank of California's $713M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.75% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.75%
Texas Ratio
0.00%
Equity Capital
$64M
Profitability metrics
Return on Assets (ROA)
33rd percentile nationally
0.87%
Return on Equity (ROE)
9.97%
Efficiency Ratio
52.69%
What the numbers say about Partners Bank of California
Partners Bank of California is an FDIC-insured institution (Certificate #58588) headquartered in Mission Viejo, California, established in 2007. It holds $713M in total assets - 1,368th of 4,313 FDIC-insured banks, $617M in customer deposits, and $464M in net loans. Its capital position: a Tier 1 ratio of 13.75%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.00% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (81 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Partners Bank of California sits 77th of 121 banks headquartered in California by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$36M
Interest Income
$466K
Non-Interest Income
$12M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Partners Bank of California reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - 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) Partners Bank of California (FDIC Cert #58588) - 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 Partners Bank of California's health grade?▼
Partners Bank of California receives a health grade of A (81/100) 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 Partners Bank of California?▼
Partners Bank of California holds $713M in total assets and $617M in deposits, ranking 1,368th of 4,313 FDIC-insured banks by asset size. It is headquartered in Mission Viejo, California.
Is my money safe at Partners Bank of California?▼
Yes, deposits at Partners Bank of California (Certificate #58588) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Partners Bank of California's Tier 1 Capital Ratio?▼
Partners Bank of California has a Tier 1 Capital Ratio of 13.75%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Partners Bank of California?▼
Partners Bank of California has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Partners Bank of California?▼
Partners Bank of California has an Efficiency Ratio of 52.69%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Partners Bank of California's profile as a depositor or analyst.
- Partners Bank of California's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Partners Bank of California 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.