Calprivate Bank
La Jolla, CA · Cert 58291 · Peer group: banks $1B-$10B in assets (n=322-328) · Private Bcorp of America Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
$2.7BAssets
$2.1BLoans
$2.4BDeposits
$299.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 95% of banks $1B-$10B in assets (rank 16 of 328).
- Widest gap: nonperforming loans / loans trails 79% of banks $1B-$10B in assets (rank 256 of 322).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.98%
Rank 25 of 328
Net Interest Margin
5.06%
Rank 16 of 328
Efficiency Ratio
44.38%
Rank 32 of 328
Equity / Assets
11.06%
Rank 126 of 328
Non-interest income vs. expense
Unfavorable gap of $56.1M · efficiency ratio beats 91% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.98% | 0.91% | 1.22% | 1.52% | Beats 92% | 25 / 328 | | |
| Return on Equity | 17.86% | 8.43% | 11.45% | 14.43% | Beats 90% | 32 / 328 | | |
| Net Interest Margin | 5.06% | 3.03% | 3.45% | 3.83% | Beats 95% | 16 / 328 | | |
| Efficiency Ratio | 44.38% | 51.61% | 59.56% | 67.53% | Beats 91% | 32 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.26% | 0.24% | 0.51% | 1.03% | Beats 21% | 256 / 322 | | |
| Net Charge-Offs / Loans | 0.07% | 0.01% | 0.03% | 0.10% | Beats 31% | 222 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 13.61% | 11.75% | 13.15% | 15.47% | Beats 57% | 142 / 328 | | |
| Total Risk-Based Capital Ratio | 14.86% | 12.63% | 14.15% | 16.46% | Beats 60% | 132 / 328 | | |
| Equity / Assets | 11.06% | 9.15% | 10.33% | 12.01% | Beats 62% | 126 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.45% | 76.63% | 87.92% | 95.36% | 53rd pctl | 152 / 323 | | |
| Loans / Assets | 78.76% | 65.18% | 74.15% | 79.98% | 70th pctl | 100 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |