California Bank & Trust

11622 El Camino Real, Suite 200
San Diego, CA 92130

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 20852
Date Established 1972
Assets $11.55 billion
Loans $8.45 billion
Deposits $9.90 billion
Capital $1.56 billion

California Bank & Trust is an FDIC insured institution located in San Diego, CA. It was founded in 1972 and has approximately $11.96 billion in assets.

For a more detailed analysis of California Bank & Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in California Bank & Trust’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks in California, California Bank & Trust has a significantly higher percent of Credit Card Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 20.34
Multifamily
Mortgages
7.93
Credit Card Loans 0.12
Consumer Auto Loans 0.08
Small Business Loans 7.81
Construction and Development Loans 7.52
Commercial Real Estate 38.32
Commercial and Industrial Loans 20.80
Farm Loans 0.06

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for California Bank & Trust, but see these great savings and CD rates:

Advertiser Disclosure
Checking Rates APY MIN FEE
Anytime Checking 0.00% $0 $6.00 Learn MoreShow Less
Anytime Interest Checking 0.00% $1,500 $11.00 Learn MoreShow Less
Premium Interest Checking 0.00% $10,000 $25.00 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for California Bank & Trust

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.325% 4.250% 0.50 $2,337 $1,230 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.490% $283.58 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More

Note to California Bank & Trust
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

California Bank & Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


California Bank & Trust Locations

Financial Details

California Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of California Bank & Trust. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
California Bank & Trust U.S. Bank Average
6.68% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, California Bank & Trust had $100,679,000 in non-current loans and $9,422,000 in owned real estate. To cover these potential losses it had $1,560,043,000 in equity and $88,636,000 in loans loss reserves. That gives it a Texas Ratio of 6.68%.

Return on Equity
California Bank & Trust U.S. Bank Average
6.6% 8.84%

California Bank & Trust has a Return on Equity of 6.6% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
California Bank & Trust U.S. Bank Average
13.51% 12.21%

California Bank & Trust has a Capitalization of 13.51% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

California Bank & Trust Balance Sheet Analysis

As of March 31, 2015, California Bank & Trust had assets of $11,960,432,000, loans of $8,447,960,000, and deposits of $9,896,325,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $8.45 billion
Loan loss allowance $0.09 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.00 billion
LIABILITIES
Total deposits $9.90 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.00 billion
      Shareholders’ Equity $11.55 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About California Bank & Trust

Branches and Savings

Is California Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #20852.

Why does California Bank & Trust pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are California Bank & Trust CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is California Bank & Trust a commercial bank?

Yes

Where are California Bank & Trust locations?

See branch locations nearby.

Is California Bank & Trust open on Saturdays?

Is California Bank & Trust open on Sundays?

What time does California Bank & Trust open?

What time does California Bank & Trust close?

Are California Bank & Trust ATMs Open 24/7?

Do California Bank & Trust ATMs accept cash deposits?

Can California Bank & Trust customers use other ATMs?

Do California Bank & Trust branches have notaries?

Will California Bank & Trust notarize my document?

What address for California Bank & Trust should I put for incoming ACH transfers?

Will the California Bank & Trust branch print checks?

Do California Bank & Trust checks expire?

Does California Bank & Trust require US citizenship to open account?

Can California Bank & Trust close my account?

Does California Bank & Trust Report to credit bureaus?

Does California Bank & Trust Use Equifax?

What is California Bank & Trust's ACH Routing Number?

What is California Bank & Trust's SWIFT code?

Products

Does California Bank & Trust offer mortgages?

Compare mortgage rates here.

Does California Bank & Trust offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does California Bank & Trust offer personal loans?

Compare personal loan rates here.

Does California Bank & Trust offer student loans?

Will California Bank & Trust cash a check?

Will California Bank & Trust redeem a savings bond?

Does California Bank & Trust cash savings bonds?

Will California Bank & Trust cash money orders?

Can California Bank & Trust issue a money order?

Does California Bank & Trust do currency exchange?

Background on The Bank

Who owns California Bank & Trust?

How long has California Bank & Trust been around?

Can California Bank & Trust transfer to other banks?

Does California Bank & Trust have quick pay?

Does California Bank & Trust accept rolled coins?

Will California Bank & Trust accept loose change?

Where is California Bank & Trust headquarters?

Customer Reviews for California Bank & Trust

There are currently no comments for California Bank & Trust. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →