California International Bank, N.A.

Headquarters

15606 Brookhurst St.
Westminster, CA 92683
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.16% 1.40% →
1-Year CD 1.15% 1.15% →
2-Year CD 1.20% 1.26% →
5-Year CD 1.24% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

California International Bank, N.A. is an FDIC insured institution located in Westminster, CA. It was founded in 2005 and has approximately $0.05 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 57974
Date Established 2005
Assets $ 51.57 million
Loans $ 32.99 million
Deposits $ 31.32 million
Capital $ 12.92 million
 

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

Deposit Rates - July 14, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
Savings
0.16% $2,500 $4,999 Learn More
Money Market
0.60% $10,000 $14,999 Learn More
Money Market
0.60% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.75% $10,000 $14,999 Learn More
3 Mo CD
0.75% $100,000 $199,999 Learn More
6 Mo CD
0.84% $10,000 $14,999 Learn More
6 Mo CD
0.84% $100,000 $199,999 Learn More
Special: 12 Mo CD
1.15% $10,000 - Learn More
12 Mo CD
0.97% $10,000 $14,999 Learn More
12 Mo CD
0.97% $100,000 $199,999 Learn More
Special: 18 Mo CD
1.17% $10,000 - Learn More
18 Mo CD
1.01% $10,000 $14,999 Learn More
18 Mo CD
1.01% $100,000 $199,999 Learn More
Special: 24 Mo CD
1.20% $10,000 - Learn More
24 Mo CD
1.05% $10,000 $14,999 Learn More
24 Mo CD
1.05% $100,000 $199,999 Learn More
36 Mo CD
1.11% $10,000 $14,999 Learn More
36 Mo CD
1.11% $100,000 $199,999 Learn More
48 Mo CD
1.15% $10,000 $14,999 Learn More
48 Mo CD
1.15% $100,000 $199,999 Learn More
60 Mo CD
1.24% $10,000 $14,999 Learn More
60 Mo CD
1.24% $100,000 $199,999 Learn More

Fixed IRA Rates APY MIN MAX
Special: 12 Mo FIRA
1.15% $10,000 - Learn MoreShow Less
Special: 18 Mo FIRA
1.17% $10,000 - Learn MoreShow Less
Special: 24 Mo FIRA
1.20% $10,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $1 $99 Learn MoreShow Less
Int Ckg
0.20% $2,500 $3,499 Learn MoreShow Less

Loan Rates - July 14, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for California International Bank, N.A.

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 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.951% 2.875% 1.00 $2,445 $1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

Note to California International Bank, N.A.
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

California International Bank, N.A. 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:
Fairfield,Connecticut


California International Bank, N.A. Locations


Financial Details

California International Bank, N.A. Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of California International Bank, N.A.. 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 International Bank, N.A. 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 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, 2020, California International Bank, N.A. had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $12,917,000 in equity and $2,463,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
California International Bank, N.A. U.S. Bank Average
-8.61% 7.80%

California International Bank, N.A. has a Return on Equity of -8.61% versus the BestCashCow average of 7.80%. 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 International Bank, N.A. U.S. Bank Average
25.05% 12.68%

California International Bank, N.A. has a Capitalization of 25.05% versus the BestCashCow average of 12.68. 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 International Bank, N.A. Balance Sheet Analysis

As of March 31, 2020, California International Bank, N.A. had assets of $51,569,000, loans of $32,993,000, and deposits of $31,322,000. 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, 2020
ASSETS
Cash & Balances due from depository institutions $ 16.30 million
Interest-bearing balances $ 15.24 million
Total securities $ 0.55 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 32.99 million
Loan loss allowance $ 2.46 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.12 million
All other assets $ 1.08 million
     Total Assets $ 38.65 million
LIABILITIES
Total deposits $ 31.32 million
      Interest-bearing deposits $ 22.22 million
      Deposits held in domestic offices $ 31.32 million
      % insured (estimated) 74.10%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 6.50 million
Subordinated debt N.A.
All other liabilities $ 0.83 million
      Total Liabilities $ 38.65 million
      Shareholders’ Equity $ 12.92 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.63 million
Total Interest Expense $ 0.07 million
Net interest income $ 0.56 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.02 million
Total non interest expense $ 0.94 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

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

Compared to other banks in California, California International Bank, N.A. has a significantly higher percent of Commercial Real Estate, 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 7.25
Multifamily
Mortgages
1.25
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 66.90
Commercial and Industrial Loans 32.07
Farm Loans 0.00

Frequently Asked Questions About California International Bank, N.a.

Branches and Savings

Is California International Bank, N.a. FDIC insured?

Yes. It is covered under FDIC Certificate #57974.

Why does California International Bank, N.a. pay such low interest on savings accounts?

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

Why are California International Bank, N.a. CD rates not competitive?

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

Is California International Bank, N.a. a commercial bank?

Yes

Where are California International Bank, N.a. locations?

See branch locations nearby.

Is California International Bank, N.a. open on Saturdays?

Is California International Bank, N.a. open on Sundays?

What time does California International Bank, N.a. open?

What time does California International Bank, N.a. close?

Are California International Bank, N.a. ATMs Open 24/7?

Do California International Bank, N.a. ATMs accept cash deposits?

Can California International Bank, N.a. customers use other ATMs?

Do California International Bank, N.a. branches have notaries?

Will California International Bank, N.a. notarize my document?

What address for California International Bank, N.a. should I put for incoming ACH transfers?

Will the California International Bank, N.a. branch print checks?

Do California International Bank, N.a. checks expire?

Does California International Bank, N.a. require US citizenship to open account?

Can California International Bank, N.a. close my account?

Does California International Bank, N.a. Report to credit bureaus?

Does California International Bank, N.a. Use Equifax?

What is California International Bank, N.a.'s ACH Routing Number?

What is California International Bank, N.a.'s SWIFT code?

Products

Does California International Bank, N.a. offer mortgages?

Compare mortgage rates here.

Does California International Bank, N.a. offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does California International Bank, N.a. offer personal loans?

Compare personal loan rates here.

Does California International Bank, N.a. offer student loans?

Will California International Bank, N.a. cash a check?

Will California International Bank, N.a. redeem a savings bond?

Does California International Bank, N.a. cash savings bonds?

Will California International Bank, N.a. cash money orders?

Can California International Bank, N.a. issue a money order?

Does California International Bank, N.a. do currency exchange?

Background on The Bank

Who owns California International Bank, N.a.?

How long has California International Bank, N.a. been around?

Can California International Bank, N.a. transfer to other banks?

Does California International Bank, N.a. have quick pay?

Does California International Bank, N.a. accept rolled coins?

Will California International Bank, N.a. accept loose change?

Where is California International Bank, N.a. headquarters?

Customer Reviews for California International Bank, N.A.

There are currently no comments for California International Bank, N.A.. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →