California Business Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 22.59 percentage points lower than in Q1 2026, at 286.60%. California Business Bank ranks 83rd of 114 California banks on return on assets, in the lower half at 0.73% (Q2 2026). California Business Bank reported 0.73% on return on assets for Q2 2026, 0.53 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.75% |
| Tier 1 risk-based capital ratio | 19.75% |
| Total risk-based capital ratio | 21.00% |
| Tier 1 leverage ratio | 14.46% |
| Equity capital to assets | 13.44% |
| Tangible equity to tangible assets | 13.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.55% |
| Non-performing assets ratio | 0.39% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.71% |
| Allowance for credit losses to loans | 1.56% |
| Reserve coverage of non-performing loans | 286.60% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.73% |
| Return on equity | 5.13% |
| Net interest margin | 4.29% |
| Efficiency ratio | 87.06% |
| Yield on earning assets | 6.33% |
| Cost of funds | 2.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.02% |
| Core deposits to total deposits | 97.57% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.10% |
| Securities to assets | 7.37% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 15.86% | 0.58% |
| Q4 2023 | 20.01% | 20.01% | 21.27% | 15.07% | -1.65% |
| Q1 2024 | 19.56% | 19.56% | 20.82% | 16.11% | 0.02% |
| Q2 2024 | 20.34% | 20.34% | 21.60% | 16.27% | 0.67% |
| Q3 2024 | 19.71% | 19.71% | 20.97% | 15.97% | 0.79% |
| Q4 2024 | 18.24% | 18.24% | 19.50% | 16.46% | 0.51% |
| Q1 2025 | 18.82% | 18.82% | 20.07% | 15.93% | 0.72% |
| Q2 2025 | 18.07% | 18.07% | 19.33% | 15.29% | 0.33% |
| Q3 2025 | 17.59% | 17.59% | 18.85% | 13.78% | 0.39% |
| Q4 2025 | 18.00% | 18.00% | 19.26% | 14.01% | 1.51% |
| Q1 2026 | 19.21% | 19.21% | 20.47% | 14.79% | 0.75% |
| Q2 2026 | 19.75% | 19.75% | 21.00% | 14.46% | 0.73% |
California Business Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock California Business Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full California Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58037) · FFIEC NIC profile (RSSD 3390337)