BanksCALIFORNIA PACIFIC BANK

CALIFORNIA PACIFIC BANK

HAYWARD, CAMicroEst. Oct. 16, 1980, midnightFDIC #23242RSSD #50461FDIC
Latest · 2025-12-31

CALIFORNIA PACIFIC BANK is an 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%. CET1 capital ratio: 43.20%, well above regulatory minimums. NPL ratio: 16.95% · Texas Ratio: 35.27%. Operates 2 domestic branches.

Assets
$97M
Deposits
$55M
Loans
$78M
Equity
$41M

Profitability

Return on Assets (ROA)-2.66%
Return on Equity (ROE)-6.36%
Net Interest Margin4.13%
Yield on Assets5.36%
Cost of Funds1.99%

Asset Quality

NPL Ratio16.95%
Net Charge-Off Ratio0.00%
Texas Ratio35.27%
NPA Ratio16.86%
ACL / Loans7.52%

Capital & Liquidity

CET1 Ratio43.20%
Tier 1 Capital43.20%
Total Capital Ratio44.51%
Leverage Ratio41.17%
Loan-to-Deposit141.66%

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