California Business Bank

3200 El Camino Real, Suite 220
Irvine, CA 92602


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58037
Date Established 2005
Assets $0.09 billion
Loans $0.06 billion
Deposits $0.05 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.

Deposit Rates - September 16, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Money Market
1.20% $1,000 $99,999 Learn MoreShow Less
3 Mo CD
1.10% $1,000 - Learn MoreShow Less
1.33% $1,000 $99,999 Learn MoreShow Less
6 Mo CD
1.37% $100,000 - Learn MoreShow Less
1.63% $1,000 $99,999 Learn MoreShow Less
12 Mo CD
1.71% $100,000 - Learn MoreShow Less
24 Mo CD
1.75% $1,000 - Learn MoreShow Less
1.86% $1,000 $99,999 Learn MoreShow Less
36 Mo CD
1.91% $100,000 - Learn MoreShow Less
1.85% $1,000 $99,999 Learn MoreShow Less
48 Mo CD
1.89% $100,000 - Learn MoreShow Less
1.99% $1,000 $99,999 Learn MoreShow Less
60 Mo CD
2.04% $100,000 - Learn MoreShow Less

Int Checking Rates APY MIN MAX
Int Ckg
0.35% $100 - Learn MoreShow Less

Loan Rates - September 16, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for California Business Bank

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.751% 3.750% 0.00 $25 $1,158 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to California Business Bank
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California Business Bank Locations

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% 6.94%

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 March 31, 2019, California Business Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $13,045,000 in equity and $1,809,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
California Business Bank U.S. Bank Average
-7.71% 9.47%

California Business Bank has a Return on Equity of -7.71% versus the BestCashCow average of 9.47%. 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
14.85% 12.49%

California Business Bank has a Capitalization of 14.85% versus the BestCashCow average of 12.49. 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, 2019, California Business Bank had assets of $87,827,000, loans of $64,821,000, and deposits of $52,861,000. 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

March 31, 2019
Cash & Balances due from depository institutions $0.01 billion
Interest-bearing balances $0.01 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.01 billion
Net loans and leases $0.06 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.07 billion
Total deposits $0.05 billion
      Interest-bearing deposits $0.04 billion
      Deposits held in domestic offices $0.05 billion
      % insured (estimated) 60.28%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.07 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

March 31, 2019
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

Bank Loan Profile?

The top three loan types in California Business Bank’s loan portfolio are Commercial Real Estate, Multifamily Mortgages, and Commercial and Industrial Loans.

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

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 1.64
Credit Card Loans 0.00
Consumer Auto Loans 14.74
Small Business Loans 0.00
Construction and Development Loans 0.64
Commercial Real Estate 50.61
Commercial and Industrial Loans 15.53
Farm Loans 0.00

Frequently Asked Questions About California Business Bank

Branches and Savings

Is California Business Bank FDIC insured?

Yes. It is covered under FDIC Certificate #58037.

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

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

Why are California Business Bank CD rates not competitive?

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

Is California Business Bank a commercial bank?


Where are California Business Bank locations?

See branch locations nearby.

Is California Business Bank open on Saturdays?

Is California Business Bank open on Sundays?

What time does California Business Bank open?

What time does California Business Bank close?

Are California Business Bank ATMs Open 24/7?

Do California Business Bank ATMs accept cash deposits?

Can California Business Bank customers use other ATMs?

Do California Business Bank branches have notaries?

Will California Business Bank notarize my document?

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

Will the California Business Bank branch print checks?

Do California Business Bank checks expire?

Does California Business Bank require US citizenship to open account?

Can California Business Bank close my account?

Does California Business Bank Report to credit bureaus?

Does California Business Bank Use Equifax?

What is California Business Bank's ACH Routing Number?

What is California Business Bank's SWIFT code?


Does California Business Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does California Business Bank offer personal loans?

Compare personal loan rates here.

Does California Business Bank offer student loans?

Will California Business Bank cash a check?

Will California Business Bank redeem a savings bond?

Does California Business Bank cash savings bonds?

Will California Business Bank cash money orders?

Can California Business Bank issue a money order?

Does California Business Bank do currency exchange?

Background on The Bank

Who owns California Business Bank?

How long has California Business Bank been around?

Can California Business Bank transfer to other banks?

Does California Business Bank have quick pay?

Does California Business Bank accept rolled coins?

Will California Business Bank accept loose change?

Where is California Business Bank headquarters?

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