California Business Bank
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Data as of · sourced from FFIEC call reports. How we update
California Business Bank is an FDIC-insured commercial bank headquartered in Irvine, CA, established in 2005 (FDIC certificate 58037), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $130.5M, up 13.0% from Q2 2025, the 106th largest of 113 banks headquartered in California. Its CET1 capital ratio was 19.75% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58037
- Headquarters
- Irvine, CA
- Established
- 2005
- Total assets, Q2 2026
- $130.5M
- Assets vs Q2 2025
- +13.0%
- CET1 ratio, Q2 2026
- 19.75%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 122044119
- Latest call report
- Q2 2026, FFIEC 051 · California Business Bank call report
- Asset rank in state
- 106th of 113 in California
California Business Bank spends more to run itself than most banks of its size. It reported $130 million in assets at June 30, 2026, up 13.0% from a year earlier. It spends about 87 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also grew deposits 15.0% over the year, 3.7 times the median of 4.0% for banks its size.
Earnings jumped: net income for the quarter was $224,000, 146% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.17% of loans from 1.86%. Profitability lags: it returns 5.1% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
As of June 30, 2026, California Business Bank reported a CET1 capital ratio of 19.75%, a return on assets of 0.73%, a nonperforming-loan ratio of 0.55% and a Texas ratio of 0.86%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, California Business Bank is the 106th largest of the 113 banks headquartered in California. From Q1 2026 to Q2 2026, its total assets rose 6.7% to $130.5M, loans fell 1.4% and deposits rose 8.0%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 44.5% of total loans, followed by commercial and industrial loans at 31.0%. Its one office in the FDIC Summary of Deposits is in Irvine, CA. On its Q2 2026 call report, California Business Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3200 El Camino Real, Irvine, CA 92602
- County
- Orange
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 1, 2005
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $108.4M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $0
- Average total assets
- $123.6M
- Average total loans
- $95.6M
- Average interest-bearing deposits
- $68.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 1, 2005
- FDIC Cert
- 58037
- Fed RSSD
- 3390337
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, California Business Bank's total assets ranged from $97.6M (Q1 2024) to $130.5M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$130.5M total assets against $115.5M; $112.9M total liabilities against $98.6M.
$92.9M net loans and leases against $89.0M; $108.4M total deposits against $94.3M.
$9.6M securities against $0; $26.8M cash and balances due against $25.4M.
$1.9M total interest income against $1.5M; $607K total interest expense against $505K.
$1.3M net interest income against $1.0M.
$469K total noninterest income against $446K; $1.5M total noninterest expense against $1.4M.
$0 provision for credit losses against $0.
$224K net income against $91K.
0.73% return on assets against 0.33%; 4.29% net interest margin against 3.95%.
19.75% CET1 capital ratio against 18.07%; 14.46% tier 1 leverage ratio against 15.29%.
Inside the full California Business Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCalifornia Business Bank rankings
Its closest position to the top of a national ranking is 352 of 2,134, for CET1 ratio; its furthest is 3,420 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.33% (Q2 2025) to 1.51% (Q4 2025) and its net interest margin ran from 3.45% (Q3 2025) to 5.04% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.75% | 0.73% | 0.55% | 0.86% | 4.29% |
| Q1 2026 | 19.21% | 0.75% | 0.49% | 0.62% | 4.09% |
| Q4 2025 | 18.00% | 1.51% | 2.34% | 9.40% | 5.04% |
| Q3 2025 | 17.59% | 0.39% | 1.73% | 8.03% | 3.45% |
| Q2 2025 | 18.07% | 0.33% | 1.86% | 9.15% | 3.95% |
| Q1 2025 | 18.82% | 0.72% | 2.19% | 10.37% | 4.11% |
| Q4 2024 | 18.24% | 0.51% | 2.38% | 11.68% | 4.34% |
| Q3 2024 | 19.71% | 0.79% | 2.94% | 13.05% | 4.24% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| California Business Bank (main office) | Irvine , CA | 92602 | $108.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 148 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $598K approved, $598K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about California Business Bank
What are California Business Bank's total assets?
As of the Q2 2026 filing, California Business Bank reported total assets of $130.5 million in its FFIEC call report.
Where is California Business Bank headquartered?
It is headquartered in Irvine, CA, United States.
When was California Business Bank founded?
It was established in 2005, per the FDIC institution directory.
Is California Business Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58037). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates California Business Bank?
California Business Bank's primary federal regulator is the FDIC.
What is California Business Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.75% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does California Business Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is California Business Bank's Texas Ratio?
Its Texas Ratio is 0.86% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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