California Pacific 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 Core deposits to total deposits: 2.09 percentage points higher than in Q1 2026, at 77.01%. California Pacific Bank ranks 13th of 114 California banks on return on assets, in the upper half at 2.00% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, California Pacific Bank reported 2.00% on return on assets in Q2 2026, 0.75 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 40.47% |
| Tier 1 risk-based capital ratio | 40.47% |
| Total risk-based capital ratio | 41.77% |
| Tier 1 leverage ratio | 40.98% |
| Equity capital to assets | 40.91% |
| Tangible equity to tangible assets | 40.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 15.93% |
| Non-performing assets ratio | 16.25% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 34.82% |
| Allowance for credit losses to loans | 6.92% |
| Reserve coverage of non-performing loans | 43.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.00% |
| Return on equity | 4.92% |
| Net interest margin | 5.11% |
| Efficiency ratio | 47.22% |
| Yield on earning assets | 6.16% |
| Cost of funds | 1.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 144.08% |
| Core deposits to total deposits | 77.01% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 57.67% |
| Securities to assets | — |
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 | 55.48% | 55.48% | 56.81% | 46.34% | 4.27% |
| Q4 2023 | 54.40% | 54.40% | 55.72% | 46.49% | 4.46% |
| Q1 2024 | 59.77% | 59.77% | 61.10% | 47.80% | 4.25% |
| Q2 2024 | 57.63% | 57.63% | 58.96% | 47.24% | 3.88% |
| Q3 2024 | 48.89% | 48.89% | 50.21% | 43.82% | 3.06% |
| Q4 2024 | 51.10% | 51.10% | 52.43% | 45.41% | 3.62% |
| Q1 2025 | 49.27% | 49.27% | 50.59% | 47.12% | 3.18% |
| Q2 2025 | 45.55% | 45.55% | 46.86% | 43.91% | 2.83% |
| Q3 2025 | 45.08% | 45.08% | 46.38% | 41.66% | 2.54% |
| Q4 2025 | 43.15% | 43.15% | 44.47% | 41.65% | -0.76% |
| Q1 2026 | 42.14% | 42.14% | 43.45% | 41.93% | 1.78% |
| Q2 2026 | 40.47% | 40.47% | 41.77% | 40.98% | 2.00% |
California Pacific Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock California Pacific 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 Pacific Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23242) · FFIEC NIC profile (RSSD 50461)