California First National Bank

28 Executive Park
Irvine, CA 92614

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 35331
Date Established 2001
Assets $0.48 billion
Loans $0.36 billion
Deposits $0.34 billion
Capital $0.11 billion

California First National Bank is an FDIC insured institution located in Irvine, CA. It was founded in 2001 and has approximately $0.48 billion in assets.

For a more detailed analysis of California First National 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 First National Bank’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in California, California First National Bank has a significantly higher percent of Commercial and Industrial 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 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 1.20
Commercial and Industrial Loans 52.20
Farm Loans 0.00

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for California First National Bank

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

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Payment
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License#: MC-2462
4.544% 4.500% 0.00 $1,305 $1,267 Learn More
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AimLoan.com NMLS#2890
NMLS ID: 2890
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4.320% 4.250% 0.38 $2,190 $1,230 Learn More
PenFed Credit Union
NMLS ID: 401822
4.459% 4.375% 0.00 $2,500 $1,249 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 First National Bank
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Branches

California First National Bank 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 First National Bank Locations

Financial Details

California First National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of California First National Bank. 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 First National Bank U.S. Bank Average
0% 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 First National Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $109,519,000 in equity and $5,816,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
California First National Bank U.S. Bank Average
7.96% 8.84%

California First National Bank has a Return on Equity of 7.96% 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 First National Bank U.S. Bank Average
22.95% 12.21%

California First National Bank has a Capitalization of 22.95% 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 First National Bank Balance Sheet Analysis

As of December 31, 2017, California First National Bank had assets of $477,261,000, loans of $355,079,000, and deposits of $341,608,000. 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 $0.02 billion
Interest-bearing balances $0.02 billion
Total securities $0.08 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.36 billion
Loan loss allowance $0.01 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 $0.02 billion
     Total Assets $0.37 billion
LIABILITIES
Total deposits $0.34 billion
      Interest-bearing deposits $0.33 billion
      Deposits held in domestic offices $0.34 billion
      % insured (estimated) 76.62%
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 $0.01 billion
      Total Liabilities $0.37 billion
      Shareholders’ Equity $0.11 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.03 billion
Total Interest Expense $0.01 billion
Net interest income $0.02 billion
Provision for loan and lease losses $-0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.01 billion

Frequently Asked Questions About California First National Bank

Branches and Savings

Is California First National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35331.

Why does California First National 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 First National Bank CD rates not competitive?

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

Is California First National Bank a commercial bank?

Yes

Where are California First National Bank locations?

See branch locations nearby.

Is California First National Bank open on Saturdays?

Is California First National Bank open on Sundays?

What time does California First National Bank open?

What time does California First National Bank close?

Are California First National Bank ATMs Open 24/7?

Do California First National Bank ATMs accept cash deposits?

Can California First National Bank customers use other ATMs?

Do California First National Bank branches have notaries?

Will California First National Bank notarize my document?

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

Will the California First National Bank branch print checks?

Do California First National Bank checks expire?

Does California First National Bank require US citizenship to open account?

Can California First National Bank close my account?

Does California First National Bank Report to credit bureaus?

Does California First National Bank Use Equifax?

What is California First National Bank's ACH Routing Number?

What is California First National Bank's SWIFT code?

Products

Does California First National Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does California First National Bank offer personal loans?

Compare personal loan rates here.

Does California First National Bank offer student loans?

Will California First National Bank cash a check?

Will California First National Bank redeem a savings bond?

Does California First National Bank cash savings bonds?

Will California First National Bank cash money orders?

Can California First National Bank issue a money order?

Does California First National Bank do currency exchange?

Background on The Bank

Who owns California First National Bank?

How long has California First National Bank been around?

Can California First National Bank transfer to other banks?

Does California First National Bank have quick pay?

Does California First National Bank accept rolled coins?

Will California First National Bank accept loose change?

Where is California First National Bank headquarters?

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