CALIFORNIA BUSINESS BANK

IRVINE, CA | Small | Est. Nov. 1, 2005, midnight | FDIC #58037 | RSSD #3390337 | FDIC
Latest Report: 2025-12-31

CALIFORNIA BUSINESS BANK is asn small FDIC-insured commercial bank headquartered in IRVINE, CA, established in Nov. 1, 2005, midnight. As of 2025-12-31, the bank reported total assets of $122M and total deposits of $100M. Profitability stands at 1.50% ROA and 10.97% ROE, with a net interest margin of 5.23%. The bank's CET1 capital ratio is 18.00%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.52% and a Texas Ratio of 2.48%. FDIC Certificate #58037.

Assets

$122M

Deposits

$100M

Loans

$91M

Equity

$17M

Profitability

Return on Assets (ROA) 1.50%
Return on Equity (ROE) 10.97%
Net Interest Margin (NIM) 5.23%
Yield on Assets 7.43%
Cost of Funds 2.38%

Asset Quality

NPL Ratio 0.52%
Net Charge-Off Ratio --
Texas Ratio 2.48%
NPA Ratio 0.38%
ACL / Loans 1.76%

Capital & Liquidity

CET1 Ratio 18.00%
Tier 1 Capital 18.00%
Total Capital Ratio 19.26%
Leverage Ratio 14.01%
Loan-to-Deposit 90.51%

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