CALIFORNIA PACIFIC BANK

HAYWARD, CA | Micro | Est. Oct. 16, 1980, midnight | FDIC #23242 | RSSD #50461 | FDIC
Latest Report: 2025-12-31

CALIFORNIA PACIFIC BANK is amn micro FDIC-insured commercial bank headquartered in HAYWARD, CA, established in Oct. 16, 1980, midnight. As of 2025-12-31, the bank reported total assets of $97M and total deposits of $55M. Profitability stands at -2.66% ROA and -6.36% ROE, with a net interest margin of 4.13%. The bank's CET1 capital ratio is 43.20%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 16.95% and a Texas Ratio of 35.27%. FDIC Certificate #23242.

Assets

$97M

Deposits

$55M

Loans

$78M

Equity

$41M

Profitability

Return on Assets (ROA) -2.66%
Return on Equity (ROE) -6.36%
Net Interest Margin (NIM) 4.13%
Yield on Assets 5.36%
Cost of Funds 3.22%

Asset Quality

NPL Ratio 16.95%
Net Charge-Off Ratio --
Texas Ratio 35.27%
NPA Ratio 16.86%
ACL / Loans 7.52%

Capital & Liquidity

CET1 Ratio 43.20%
Tier 1 Capital 43.20%
Total Capital Ratio 44.51%
Leverage Ratio 41.17%
Loan-to-Deposit 141.66%

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