California Pacific Bank
San Francisco, California · FDIC Cert #23242
California Pacific Bank is an FDIC-insured bank (Certificate #23242) with $91M in total assets and $47M in total deposits as of the Q2 2024 Call Report. Headquartered in San Francisco, California, the bank maintains a Tier 1 capital ratio of 57.63% (Well-Capitalized) and a nonperforming loan ratio of 11.08%. BankHealthData assigns a composite Health Grade of B (67/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
California Pacific Bank (FDIC cert 23242) is a community bank — $91M in total assets, $47M in deposits, serving the San Francisco, California area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 57.63% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality shows stress: non-performing loan ratio of 11.08% is well above the peer median and signals significant credit-quality challenges. Banks in this range typically face heightened regulatory monitoring. Liquidity is comfortable: 27.2% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is strong: return on assets of 5.87% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is essentially stable across the recent-quarters window — the typical pattern for established banks operating in steady-state mode. California Pacific Bank carries a composite BankHealth grade of B (67/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: California Pacific Bank
- Total Assets
- $91M
- Total Deposits
- $47M
- Tier 1 Capital Ratio
- 57.63%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 11.08%
- Liquidity Ratio
- 27.17%
- Return on Assets
- 5.87%
- Headquarters
- San Francisco, California
- FDIC Certificate
- #23242
- Health Grade
- B (67/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, California Pacific Bank holds a Tier 1 capital ratio of 57.63%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning California Pacific Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
California Pacific Bank shows strong financial health indicators. With $91M in assets and a Health Score of 67/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How California Pacific Bank Compares
California Pacific Bank’s Health Score of 67 is 5 points below the California state average of 72 across 123 FDIC-insured banks. Its 57.63% Tier 1 capital ratio is 43.6 points above the US banking industry average near 14%. The 11.08% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 5.87% is in line with or above the national ROA benchmark of ~1.1%. Among 1025 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, California Pacific Bank is 3 points below the portfolio average of 70.
Frequently Asked Questions
California Pacific Bank has a Bank Health Score of B (67/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 57.63%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. California Pacific Bank's Tier 1 capital ratio of 57.63% and nonperforming loan ratio of 11.08% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at California Pacific Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #23242). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
California Pacific Bank holds $91M in total assets and $47M in total deposits. It is headquartered in San Francisco, California (FDIC Certificate #23242).
California Pacific Bank has a Tier 1 capital ratio of 57.63%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 11.08%, and the return on assets is 5.87%.
Yes. California Pacific Bank is FDIC-insured (Certificate #23242). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
California Pacific Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.