Bank Comparison
California Business Bank vs Legacy Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 2
winning metrics across 18 comparable rows
Capital adequacy
| Metric | California Business Bank | Legacy Bank |
|---|---|---|
| CET1 Ratio | 19.21% | — |
| Tier 1 Capital Ratio | 19.21% | — |
| Total Capital Ratio | 20.47% | — |
| Tier 1 Leverage Ratio | 14.79% | 9.43% |
| Equity / Assets | 14.26% | 9.07% |
Profitability
| Metric | California Business Bank | Legacy Bank |
|---|---|---|
| Return on Assets (ROA) | 0.75% | -2.82% |
| Return on Equity (ROE) | 5.13% | -28.88% |
| Net Interest Margin (NIM) | 4.09% | 3.86% |
| Yield on Earning Assets | 6.13% | 6.80% |
| Cost of Funds | 2.24% | 3.13% |
Asset quality
| Metric | California Business Bank | Legacy Bank |
|---|---|---|
| Texas Ratio | 2.48% | 13.04% |
| Non-Performing Loan Ratio | 0.49% | 1.87% |
| Non-Performing Asset Ratio | 0.38% | 1.30% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.51% | 1.28% |
Balance sheet
| Metric | California Business Bank | Legacy Bank |
|---|---|---|
| Total Assets | $122,227K | $111,488K |
| Total Deposits | $100,377K | $99,856K |
| Total Loans | $95,675K | $77,344K |
| Total Equity | $17,432K | $10,107K |
| Net Income (quarter) | $223 | $-757 |
Liquidity & funding
| Metric | California Business Bank | Legacy Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 95.32% | 77.46% |
| Core Deposit Ratio | 97.45% | 93.57% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | California Business Bank | Legacy Bank |
|---|---|---|
| Headquarters City | IRVINE | MURRIETA |
| Headquarters State | CA | CA |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 15 | 25 |
| Established | Nov. 1, 2005, midnight | June 10, 2022, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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