CalPrivate 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 Reserve coverage of non-performing loans: 25.82 percentage points higher than in Q1 2026, at 113.26%. Among 114 California banks, CalPrivate Bank sits 10th from the top on return on assets, 2.16% as of Q2 2026. CalPrivate Bank's return on assets of 2.16% is well above the 1.27% median for banks in the $1B-10B asset tier, a gap of 0.89 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.61% |
| Tier 1 risk-based capital ratio | 13.61% |
| Total risk-based capital ratio | 14.86% |
| Tier 1 leverage ratio | 11.52% |
| Equity capital to assets | 11.06% |
| Tangible equity to tangible assets | 11.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.26% |
| Non-performing assets ratio | 1.50% |
| Net charge-off ratio | -0.06% |
| Texas ratio | 12.31% |
| Allowance for credit losses to loans | 1.43% |
| Reserve coverage of non-performing loans | 113.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.16% |
| Return on equity | 19.43% |
| Net interest margin | 5.20% |
| Efficiency ratio | 44.63% |
| Yield on earning assets | 6.66% |
| Cost of funds | 1.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.45% |
| Core deposits to total deposits | 92.78% |
| Brokered deposits to total deposits | 2.07% |
| Deposits to assets | 88.05% |
| Securities to assets | 8.76% |
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 | 11.03% | 11.03% | 12.28% | 9.98% | 1.75% |
| Q4 2023 | 11.02% | 11.02% | 12.27% | 10.07% | 1.58% |
| Q1 2024 | 10.83% | 10.83% | 12.08% | 10.08% | 1.52% |
| Q2 2024 | 10.90% | 10.90% | 12.16% | 10.00% | 1.47% |
| Q3 2024 | 11.12% | 11.12% | 12.37% | 10.05% | 1.70% |
| Q4 2024 | 11.29% | 11.29% | 12.54% | 10.39% | 1.87% |
| Q1 2025 | 11.75% | 11.75% | 13.00% | 10.35% | 1.78% |
| Q2 2025 | 12.12% | 12.12% | 13.37% | 10.70% | 1.75% |
| Q3 2025 | 12.56% | 12.56% | 13.81% | 10.80% | 1.59% |
| Q4 2025 | 12.64% | 12.64% | 13.90% | 10.85% | 1.62% |
| Q1 2026 | 12.95% | 12.95% | 14.20% | 11.29% | 1.92% |
| Q2 2026 | 13.61% | 13.61% | 14.86% | 11.52% | 2.16% |
CalPrivate Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock CalPrivate 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 CalPrivate Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58291) · FFIEC NIC profile (RSSD 3545258)