Partners Bank of California
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Data as of · sourced from FFIEC call reports. How we update
Partners Bank of California is an FDIC-insured commercial bank headquartered in Mission Viejo, CA, established in 2007 (FDIC certificate 58588), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $602.2M, down 10.0% from Q2 2025, the 74th largest of 113 banks headquartered in California. Its CET1 capital ratio was 13.70% 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
- 58588
- Headquarters
- Mission Viejo, CA
- Established
- 2007
- Total assets, Q2 2026
- $602.2M
- Assets vs Q2 2025
- -10.0%
- CET1 ratio, Q2 2026
- 13.70%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 122244773
- Latest call report
- Q2 2026, FFIEC 051 · Partners Bank of California Q3 2026 call report, filed October 19, 2026 (preliminary)
- Asset rank in state
- 74th of 113 in California
Partners Bank of California leans heavily on commercial real estate. It reported $602 million in assets at June 30, 2026, down 10.0% from a year earlier. It holds commercial real estate loans worth 3.5 times its capital, about triple the median of 1.2 times for the 2,627 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.7%).
Earnings jumped: net income for the quarter was $2.1 million, 70% above the same quarter a year earlier. Over the same year, loans grew 20.7% and deposits shrank 11.9%.
As of June 30, 2026, Partners Bank of California reported a CET1 capital ratio of 13.70%, a return on assets of 1.43%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, Partners Bank of California is the 74th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.0% to $602.2M, loans rose 4.9% and deposits rose 5.6%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 32.6% of total loans, followed by owner-occupied commercial real estate loans at 26.9%. Its 2 offices in the FDIC Summary of Deposits are in Mission Viejo, CA and Beverly Hills, CA; its Mission Viejo office books 76% of its branch deposits. Judged on its Q2 2026 call report, Partners Bank of California meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 27201 Puerta Real, Mission Viejo, CA 92691
- County
- Orange
- Metro Area
- Los Angeles-Long Beach-Anaheim, 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 051
- Established
- November 16, 2007
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 47
- Domestic deposits
- $509.0M
- Allowance for credit losses
- $10.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $583.6M
- Average total loans
- $497.1M
- Average interest-bearing deposits
- $343.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 16, 2007
- FDIC Cert
- 58588
- Fed RSSD
- 3655933
- Website
- www.partnersbankca.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
Partners Bank of California's total assets moved between a low of $457.7M (Q3 2023) and a high of $777.5M (Q3 2025) 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
$602.2M total assets against $668.9M; $534.1M total liabilities against $609.0M.
$495.4M net loans and leases against $410.2M; $509.0M total deposits against $577.8M.
$3.3M securities against $183.3M; $91.9M cash and balances due against $65.9M.
$8.5M total interest income against $8.4M; $2.6M total interest expense against $3.4M.
$5.9M net interest income against $5.0M.
$120K total noninterest income against $114K; $3.0M total noninterest expense against $2.8M.
$80K provision for credit losses against $565K.
$2.1M net income against $1.2M.
1.43% return on assets against 0.77%; 4.04% net interest margin against 3.13%.
13.70% CET1 capital ratio against 14.43%; 11.67% tier 1 leverage ratio against 9.32%.
Inside the full Partners Bank of California 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Partners Bank of California rankings
Its closest position to the top of a national ranking is 732 of 3,606, for efficiency ratio; its furthest is 3,399 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.77% (Q2 2025) to 1.43% (Q2 2026) and its net interest margin ran from 2.98% (Q1 2025) to 4.04% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.70% | 1.43% | 0.00% | 0.00% | 4.04% |
| Q1 2026 | 14.15% | 1.13% | 0.00% | 0.00% | 3.53% |
| Q4 2025 | 13.75% | 0.81% | 0.00% | 0.00% | 3.28% |
| Q3 2025 | 14.76% | 1.10% | 0.00% | 0.00% | 3.32% |
| Q2 2025 | 14.43% | 0.77% | 0.00% | 0.00% | 3.13% |
| Q1 2025 | 14.87% | 0.78% | 0.00% | 0.00% | 2.98% |
| Q4 2024 | 14.36% | 1.06% | 0.00% | 0.00% | 3.21% |
| Q3 2024 | 14.26% | 1.33% | 0.00% | 0.00% | 3.62% |
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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 |
|---|---|---|---|
| Partners Bank of California (main office) | Mission Viejo , CA | 92691 | $388.2M |
| Beverly Hills Branch | Beverly Hills , CA | 90211 | $120.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 105 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $640K approved, $640K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (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 Partners Bank of California
What are Partners Bank of California's total assets?
As of the Q2 2026 filing, Partners Bank of California reported total assets of $602.2 million in its FFIEC call report.
Where is Partners Bank of California headquartered?
It is headquartered in Mission Viejo, CA, United States.
When was Partners Bank of California founded?
It was established in 2007, per the FDIC institution directory.
Is Partners Bank of California FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58588). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Partners Bank of California?
Partners Bank of California's primary federal regulator is the FDIC.
What is Partners Bank of California's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.70% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Partners Bank of California 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 Partners Bank of California's Texas Ratio?
Its Texas Ratio is 0.00% 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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