California Pacific Bank
San Francisco, California · FDIC Cert #23242
This is the FDIC profile for California Pacific Bank, an FDIC-insured bank (Certificate #23242) with $91M in total assets and $47M in total deposits per its most recent FDIC Call Report filing (Q2 2024). 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) based on quarterly FDIC filings. 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
FDIC Filings & Call Report Data
California Pacific Bank files quarterly Call Reports with the FDIC under Certificate #23242. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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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 15 points below the California state average of 82 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 82, meaning this bank ranks below its size cohort. Site-wide, California Pacific Bank is 13 points below the portfolio average of 80.
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's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #23242 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
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.