California International Bank, N.A.
BankRegReports is independent of California International Bank, N.A. and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
California International Bank, N.A. is an FDIC-insured commercial bank headquartered in Westminster, CA, established in 2005 (FDIC certificate 57974), and it is supervised by the OCC. At Q2 2026 it reported total assets of $120.9M, the 108th largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.51% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 57974
- Headquarters
- Westminster, CA
- Established
- 2005
- Total assets, Q2 2026
- $120.9M
- Tier 1 leverage ratio, Q2 2026
- 13.51%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 122244032
- Latest call report
- Q2 2026, FFIEC 051 · California International Bank, N.A. call report
- Asset rank in state
- 108th of 113 in California
California International Bank, N.A. is one of the more profitable banks of its size. The Westminster, California bank had $121 million in assets at June 30, 2026, against $75 million a year earlier. It earns about $2.25 a year on every $100 of assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also keeps 7.24 cents of net interest income on every dollar of earning assets, about double the median of 3.95 cents for banks its size.
Earnings jumped: net income for the quarter was $572,000, 147% above the same quarter a year earlier. Funding is the softer spot: it pays an average of 2.26% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, California International Bank, N.A. reported a return on assets of 2.25%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, California International Bank, N.A. is the 108th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 27.0% to $120.9M, loans rose 24.0% and deposits rose 30.9%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 63.5% of total loans, ahead of non-owner-occupied commercial real estate loans at 14.1%. Its one office in the FDIC Summary of Deposits is in Westminster, CA. By the capital ratios in its Q2 2026 call report, California International Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 15606 Brookhurst St, Westminster, CA 92683
- County
- Orange
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 30, 2005
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $105.9M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $101.8M
- Average total loans
- $75.7M
- Average interest-bearing deposits
- $87.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 30, 2005
- FDIC Cert
- 57974
- Fed RSSD
- 3394380
- Website
- www.cali.bank →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, California International Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, California International Bank, N.A.'s total assets ranged from $54.5M (Q1 2024) to $120.9M (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
$120.9M total assets against $75.0M; $107.1M total liabilities against $63.3M.
$81.2M net loans and leases against $58.2M; $105.9M total deposits against $62.8M.
$71K securities against $96K; $37.3M cash and balances due against $15.0M.
$2.4M total interest income against $1.5M; $545K total interest expense against $299K.
$1.8M net interest income against $1.2M.
$29K total noninterest income against $28K; $1.3M total noninterest expense against $974K.
$0 provision for credit losses against $0.
$572K net income against $232K.
2.25% return on assets against 1.36%; 7.24% net interest margin against 6.84%.
13.51% tier 1 leverage ratio against 17.15%.
Inside the full California International Bank, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCalifornia International Bank, N.A. rankings
Its closest position to the top of a national ranking is 281 of 3,611, for ROA; its furthest is 3,616 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.03% (Q3 2024) to 2.25% (Q2 2026) and its net interest margin ran from 6.07% (Q1 2026) to 7.61% (Q1 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.51% | 2.25% | 0.00% | 0.00% | 7.24% |
| Q1 2026 | 14.60% | 1.35% | 0.00% | 0.00% | 6.07% |
| Q4 2025 | 13.85% | 1.96% | 0.00% | 0.00% | 6.30% |
| Q3 2025 | 14.64% | 1.27% | 0.00% | 0.00% | 6.17% |
| Q2 2025 | 17.15% | 1.36% | 0.00% | 0.00% | 6.84% |
| Q1 2025 | 19.10% | 0.45% | 0.00% | 0.00% | 7.61% |
| Q4 2024 | 19.94% | 0.04% | 0.00% | 0.00% | 6.97% |
| Q3 2024 | 19.59% | 0.03% | 0.00% | 0.00% | 6.68% |
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 International Bank, N.A. (main office) | Westminster , CA | 92683 | $105.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 4 against the institution (OCC)
- June 20, 2023, OCC: Formal Agreement: California International Bank, A National Banking Association
- March 18, 2021, OCC: Formal Agreement: California International Bank, A National Banking Association
- May 13, 2010, OCC: Formal Agreement: Saigon National Bank
- September 2, 1992, OCC: Formal Agreement: International City Bank, N.A..
- Period: Most recent institution action June 20, 2023. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CA, rank 151 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $6.3M approved, $3.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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
Add this badge to your website
Free to use. It shows California International Bank, N.A.’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about California International Bank, N.A.
What are California International Bank, N.A.'s total assets?
As of the Q2 2026 filing, California International Bank, N.A. reported total assets of $120.9 million in its FFIEC call report.
Where is California International Bank, N.A. headquartered?
It is headquartered in Westminster, CA, United States.
When was California International Bank, N.A. founded?
It was established in 2005, per the FDIC institution directory.
Is California International Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57974). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates California International Bank, N.A.?
California International Bank, N.A.'s primary federal regulator is the OCC.
How many branches does California International Bank, N.A. 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 International Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 0.00% 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.
Go deeper on California International Bank, N.A.
Get an email when California International Bank, N.A. files its next call report, and benchmark it against any peer you choose.
Unlock California International Bank, N.A., freeFree account