California Pacific Bank
Hayward, CA · Cert 23242 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 2 branches
Q2 2026
$102.6MAssets
$85.2MLoans
$59.2MDeposits
$42.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: nonperforming loans / loans trails 100% of banks under $1B in assets operating in a single state (rank 743 of 743).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.86%
Rank 71 of 746
Net Interest Margin
4.95%
Rank 33 of 746
Efficiency Ratio
49.65%
Rank 103 of 746
Equity / Assets
40.91%
Rank 6 of 746
Non-interest income vs. expense
Unfavorable gap of $2.3M · efficiency ratio beats 86% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.86% | 0.72% | 1.06% | 1.45% | Beats 90% | 71 / 746 | | |
| Return on Equity | 4.54% | 6.74% | 10.51% | 13.63% | Beats 16% | 625 / 746 | | |
| Net Interest Margin | 4.95% | 3.17% | 3.68% | 4.16% | Beats 96% | 33 / 746 | | |
| Efficiency Ratio | 49.65% | 55.74% | 64.58% | 75.47% | Beats 86% | 103 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 15.93% | 0.09% | 0.42% | 1.07% | Beats 0% | 743 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 40.47% | 11.55% | 13.75% | 17.60% | Beats 97% | 22 / 746 | | |
| Total Risk-Based Capital Ratio | 41.77% | 11.71% | 14.33% | 18.43% | Beats 97% | 20 / 746 | | |
| Equity / Assets | 40.91% | 8.90% | 10.51% | 13.06% | Beats 99% | 6 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 144.08% | 61.31% | 78.27% | 90.78% | 99th pctl | 5 / 746 | | |
| Loans / Assets | 83.09% | 53.60% | 66.97% | 76.08% | 92nd pctl | 63 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |