California Business Bank

3200 El Camino Real, Suite 220
Irvine, CA 92602


General Bank Information

FDIC Insured Yes
FDIC Certificate # 58037
Date Established 2005
Assets $0.09 billion
Loans $0.07 billion
Deposits $0.06 billion
Capital $0.01 billion

California Business Bank is an FDIC insured institution located in Irvine, CA. It was founded in 2005 and has approximately $0.09 billion in assets.

For a more detailed analysis of California Business Bank'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 Business Bank’s loan portfolio are Commercial Real Estate, Multifamily Mortgages, and Small Business Loans.

Compared to other banks in California, California Business Bank has a significantly higher percent of Multifamily Mortgages 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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 1.86
Credit Card Loans 0.00
Consumer Auto Loans 9.47
Small Business Loans 11.19
Construction and Development Loans 0.00
Commercial Real Estate 48.43
Commercial and Industrial Loans 9.99
Farm Loans 0.00

Savings Rates

Your Current Location: Virginia, VA 20146

3 Mo CD 10K
0.60% $1,000 - Learn MoreShow Less
6 Mo CD 10K
0.65% $1,000 - Learn MoreShow Less
MM 10K
0.60% $100 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.35% $100 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

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Financial Details

California Business Bank Ratio Analysis

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

Texas Ratio
California Business Bank U.S. Bank Average
0% 8.87%

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of March 31, 2017, California Business Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $12,028,000 in equity and $1,658,000 in loans loss reserves. That gives it a Texas Ratio of 0%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
California Business Bank U.S. Bank Average
-17.45% 8.39%

California Business Bank has a Return on Equity of -17.45% versus the BestCashCow average of 8.39%. 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.

California Business Bank U.S. Bank Average
13.95% 11.94%

California Business Bank has a Capitalization of 13.95% versus the BestCashCow average of 11.94%. 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 Business Bank Balance Sheet Analysis

As of March 31, 2017, California Business Bank had assets of $86,245,000, loans of $68,700,000, and deposits of $57,948,000. 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.

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