California International Bank, N.A.: 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 Loan-to-deposit ratio: 4.41 percentage points lower than in Q1 2026, at 78.97%. Among 114 California banks, California International Bank, N.A. sits 8th from the top on return on assets, 2.25% as of Q2 2026. California International Bank, N.A.'s return on assets of 2.25% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.99 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.51% |
| Equity capital to assets | 11.38% |
| Tangible equity to tangible assets | 11.38% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 2.85% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.25% |
| Return on equity | 16.98% |
| Net interest margin | 7.24% |
| Efficiency ratio | 69.44% |
| Yield on earning assets | 9.37% |
| Cost of funds | 2.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.97% |
| Core deposits to total deposits | 79.08% |
| Brokered deposits to total deposits | 13.15% |
| Deposits to assets | 87.60% |
| Securities to assets | 0.06% |
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 | 43.36% | 43.36% | 44.70% | 18.25% | 0.47% |
| Q4 2023 | 42.03% | 42.03% | 43.37% | 19.60% | 0.13% |
| Q1 2024 | 39.48% | 39.48% | 40.82% | 20.69% | 0.05% |
| Q2 2024 | 38.65% | 38.65% | 39.98% | 20.19% | -0.04% |
| Q3 2024 | 38.01% | 38.01% | 39.34% | 19.59% | 0.03% |
| Q4 2024 | 32.23% | 32.23% | 33.54% | 19.94% | 0.04% |
| Q1 2025 | 28.34% | 28.34% | 29.64% | 19.10% | 0.45% |
| Q2 2025 | 24.31% | 24.31% | 25.61% | 17.15% | 1.36% |
| Q3 2025 | — | — | — | 14.64% | 1.27% |
| Q4 2025 | — | — | — | 13.85% | 1.96% |
| Q1 2026 | — | — | — | 14.60% | 1.35% |
| Q2 2026 | — | — | — | 13.51% | 2.25% |
California International Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock California International Bank, N.A., 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 International Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57974) · FFIEC NIC profile (RSSD 3394380)