California Pacific Bank
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Data as of · sourced from FFIEC call reports. How we update
California Pacific Bank is an FDIC-insured commercial bank headquartered in Hayward, CA, established in 1980 (FDIC certificate 23242), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $102.6M, up 4.7% from Q2 2025, the 110th largest of 113 banks headquartered in California. Its CET1 capital ratio was 40.47% 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
- 23242
- Headquarters
- Hayward, CA
- Established
- 1980
- Total assets, Q2 2026
- $102.6M
- Assets vs Q2 2025
- +4.7%
- CET1 ratio, Q2 2026
- 40.47%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 121038265
- Latest call report
- Q2 2026, FFIEC 041 · California Pacific Bank call report
- Asset rank in state
- 110th of 113 in California
Problem loans are rising at California Pacific Bank. Its balance sheet stood at $103 million at June 30, 2026, up 4.7% from a year earlier; it is based in Hayward, California. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 15.93% of loans from 4.51% a year earlier. It keeps 5.11 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also holds common equity equal to 40.47% of its risk-weighted assets, 2.7 times the median of 15.12% for banks its size.
Net income for the quarter slipped 22% from a year earlier, to $513,000. Over the same year, loans grew 13.7% and deposits grew 5.2%. Credit is the area to watch: it carries problem assets equal to 34.8% of the capital and reserves that would absorb them, 13.2 times the median of 2.6% for banks its size.
As of June 30, 2026, California Pacific Bank reported a CET1 capital ratio of 40.47%, a return on assets of 2.00%, a nonperforming-loan ratio of 15.93% and a Texas ratio of 34.82%. The figures come from its call report filed with the FFIEC.
California Pacific Bank ranks as the 110th largest of the 113 banks based in California, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.6% to $102.6M, loans rose 3.7% and deposits rose 2.2%. The largest part of its loan book on June 30, 2026 was construction and land development loans, at 27.4% of total loans, ahead of non-owner-occupied commercial real estate loans at 26.7%. The FDIC Summary of Deposits lists 2 offices for it, in Hayward, CA and Fremont, CA; its Hayward office books 84% of its branch deposits. On its Q2 2026 call report, California Pacific Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 24301 Southland Dr, Hayward, CA 94545
- County
- Alameda
- Metro Area
- San Francisco-Oakland-Fremont, 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 041
- Established
- October 16, 1980
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $59.2M
- Allowance for credit losses
- $5.9M
- Net charge-offs (YTD)
- $0
- Average total assets
- $102.4M
- Average total loans
- $84.5M
- Average interest-bearing deposits
- $37.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 16, 1980
- FDIC Cert
- 23242
- Fed RSSD
- 50461
- Website
- www.calpacificbank.com →
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 Pacific Bank's total assets ranged from $82.4M (Q4 2024) to $102.6M (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
$102.6M total assets against $97.9M; $60.6M total liabilities against $57.4M.
$79.3M net loans and leases against $69.6M; $59.2M total deposits against $56.2M.
$0 securities against $0; $16.4M cash and balances due against $22.2M.
$1.6M total interest income against $1.6M; $267K total interest expense against $236K.
$1.3M net interest income against $1.4M.
$87K total noninterest income against $83K; $653K total noninterest expense against $550K.
$0 provision for credit losses against $0.
$513K net income against $654K.
2.00% return on assets against 2.83%; 5.11% net interest margin against 6.01%.
40.47% CET1 capital ratio against 45.55%; 40.98% tier 1 leverage ratio against 43.91%.
Inside the full California Pacific Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
California Pacific Bank rankings
Its closest position to the top of a national ranking is 21 of 2,134, for CET1 ratio; its furthest is 3,648 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.76% (Q4 2025) to 3.62% (Q4 2024) and its net interest margin ran from 3.82% (Q4 2025) to 7.80% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 40.47% | 2.00% | 15.93% | 34.82% | 5.11% |
| Q1 2026 | 42.14% | 1.78% | 16.39% | 34.98% | 5.05% |
| Q4 2025 | 43.15% | -0.76% | 16.95% | 34.92% | 3.82% |
| Q3 2025 | 45.08% | 2.54% | 17.17% | 34.03% | 6.47% |
| Q2 2025 | 45.55% | 2.83% | 4.51% | 14.07% | 6.01% |
| Q1 2025 | 49.27% | 3.18% | 9.26% | 14.23% | 6.73% |
| Q4 2024 | 51.10% | 3.62% | 9.07% | 13.22% | 7.80% |
| Q3 2024 | 48.89% | 3.06% | 13.10% | 19.56% | 7.22% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → 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 Pacific Bank (main office) | Hayward , CA | 94545 | $49.6M |
| Fremont Branch | Fremont , CA | 94539 | $9.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 156 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.2M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2004 (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 Pacific Bank
What are California Pacific Bank's total assets?
As of the Q2 2026 filing, California Pacific Bank reported total assets of $102.6 million in its FFIEC call report.
Where is California Pacific Bank headquartered?
It is headquartered in Hayward, CA, United States.
When was California Pacific Bank founded?
It was established in 1980, per the FDIC institution directory.
Is California Pacific Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23242). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates California Pacific Bank?
California Pacific Bank's primary federal regulator is the FDIC.
What is California Pacific Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 40.47% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does California Pacific Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is California Pacific Bank's Texas Ratio?
Its Texas Ratio is 34.82% 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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