CalPrivate Bank
BankRegReports is independent of CalPrivate Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
CalPrivate Bank is an FDIC-insured commercial bank headquartered in La Jolla, CA, established in 2006 (FDIC certificate 58291), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.71B, up 10.3% from Q2 2025, the 35th largest of 113 banks headquartered in California. Its CET1 capital ratio was 13.61% 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
- 58291
- Headquarters
- La Jolla, CA
- Established
- 2006
- Total assets, Q2 2026
- $2.71B
- Assets vs Q2 2025
- +10.3%
- CET1 ratio, Q2 2026
- 13.61%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 122244029
- Holding company
- PRIVATE BANCORP OF AMERICA, INC.
- Asset rank in state
- 35th of 113 in California
Problem loans are rising at CalPrivate Bank. Its balance sheet stood at $2.7 billion at June 30, 2026, up 10.3% from a year earlier; it is based in La Jolla, California. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.26% of loans from 0.37% a year earlier. It earns about $2.16 a year on every $100 of assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median $1.29). It also keeps 5.20 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents).
Earnings jumped: net income for the quarter was $14 million, 31% above the same quarter a year earlier. Over the same year, loans grew 2.0% and deposits grew 10.0%. Funding is the softer spot: it holds about half of its deposits (58%) above the FDIC insurance limit, about double the median of 30.9% for banks its size.
As of June 30, 2026, CalPrivate Bank reported a CET1 capital ratio of 13.61%, a return on assets of 2.16%, a nonperforming-loan ratio of 1.26% and a Texas ratio of 12.31%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, CalPrivate Bank is the 35th largest of the 113 banks headquartered in California. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.5% to $2.71B, loans fell 0.4% and deposits rose 0.4%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 28.3% of total loans, followed by owner-occupied commercial real estate loans at 27.9%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in CA; its Newport Beach office books 23% of its branch deposits. On its Q2 2026 call report, CalPrivate Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 9404 Genesee Ave, La Jolla, CA 92037
- County
- San Diego
- Metro Area
- San Diego-Chula Vista-Carlsbad, 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
- December 18, 2006
- Former names
- San Diego Private Bank (2015-2018); Coronado First Bank (2011-2013)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 247
- Domestic deposits
- $2.38B
- Allowance for credit losses
- $30.5M
- Net charge-offs (YTD)
- $813K
- Average total assets
- $2.64B
- Average total loans
- $2.15B
- Average interest-bearing deposits
- $1.67B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 18, 2006
- FDIC Cert
- 58291
- Fed RSSD
- 3545258
- SEC CIK
- 1705284 → filed by PRIVATE BANCORP OF AMERICA, INC.
- Website
- www.calprivate.bank →
- Parent Holding Company
- PRIVATE BANCORP OF AMERICA, INC. (RSSD 4907219) · PBAM
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
CalPrivate Bank's total assets moved between a low of $2.07B (Q3 2023) and a high of $2.71B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.71B total assets against $2.45B; $2.41B total liabilities against $2.19B.
$2.10B net loans and leases against $2.06B; $2.38B total deposits against $2.17B.
$237.1M securities against $188.8M; $304.7M cash and balances due against $144.9M.
$43.4M total interest income against $42.0M; $9.5M total interest expense against $11.5M.
$33.9M net interest income against $30.5M.
$987K total noninterest income against $1.7M; $15.6M total noninterest expense against $15.4M.
-$205K provision for credit losses against $1.3M.
$14.3M net income against $10.9M.
2.16% return on assets against 1.75%; 5.20% net interest margin against 4.96%.
13.61% CET1 capital ratio against 12.12%; 11.52% tier 1 leverage ratio against 10.70%.
Inside the full CalPrivate 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
CalPrivate Bank rankings
Its closest position to the top of a national ranking is 43 of 980, for uninsured deposits; its furthest is 1,223 of 2,134, for CET1 ratio.
Metric pages for CalPrivate Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.59% (Q3 2025) to 2.16% (Q2 2026) and its net interest margin ran from 4.51% (Q3 2024) to 5.20% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.61% | 2.16% | 1.26% | 12.31% | 5.20% |
| Q1 2026 | 12.95% | 1.92% | 1.61% | 13.56% | 5.17% |
| Q4 2025 | 12.64% | 1.62% | 1.98% | 16.60% | 4.92% |
| Q3 2025 | 12.56% | 1.59% | 1.81% | 15.43% | 4.72% |
| Q2 2025 | 12.12% | 1.75% | 0.37% | 5.64% | 4.96% |
| Q1 2025 | 11.75% | 1.78% | 0.75% | 5.64% | 4.58% |
| Q4 2024 | 11.29% | 1.87% | 0.55% | 4.33% | 4.74% |
| Q3 2024 | 11.12% | 1.70% | 0.57% | 4.49% | 4.51% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Newport Beach Branch | Newport Beach , CA | 92660 | $551.2M |
| San Diego Branch | San Diego , CA | 92101 | $513.8M |
| CalPrivate Bank (main office) | La Jolla , CA | 92037 | $501.0M |
| Beverly Hills Branch | Beverly Hills , CA | 90210 | $408.3M |
| South Bay Branch | El Segundo , CA | 90245 | $217.3M |
| Coronado Branch | Coronado , CA | 92118 | $183.6M |
| Montecito Branch | Montecito , CA | 93108 | $9.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 27, 2014 | Structure Change | Acquired First Security Business Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 3, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 3, 2013 | Structure Change | Acquired San Diego Private Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 17, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 17, 2011 | Structure Change | Acquired Coronado First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in CA, rank 57 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 64 loans, $65.8M approved, $1.0M 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
- 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
Add this badge to your website
Free to use. It shows CalPrivate Bank’s latest filed figures and updates each quarter.
Similar banks
Compare CalPrivate Bank with peers
Frequently asked about CalPrivate Bank
What are CalPrivate Bank's total assets?
As of the Q2 2026 filing, CalPrivate Bank reported total assets of $2.71 billion in its FFIEC call report.
Where is CalPrivate Bank headquartered?
It is headquartered in La Jolla, CA, United States.
When was CalPrivate Bank founded?
It was established in 2006, per the FDIC institution directory.
Is CalPrivate Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58291). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates CalPrivate Bank?
CalPrivate Bank's primary federal regulator is the FDIC.
What is CalPrivate Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.61% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does CalPrivate Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is CalPrivate Bank's Texas Ratio?
Its Texas Ratio is 12.31% 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.
What was CalPrivate Bank previously called?
The charter now named CalPrivate Bank has also operated as San Diego Private Bank (2015-2018), Coronado First Bank (2011-2013), per FDIC structure-change records.
Go deeper on CalPrivate Bank.
Get an email when CalPrivate Bank files its next call report, and benchmark it against any peer you choose.
Unlock CalPrivate Bank, freeFree account