California Pacific Bank

100 Montgomery Street, Suite 2250
San Francisco, CA 94104

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 23242
Date Established 1980
Assets $0.08 billion
Loans $0.05 billion
Deposits $0.05 billion
Capital $0.03 billion

California Pacific Bank is an FDIC insured institution located in San Francisco, CA. It was founded in 1980 and has approximately $0.08 billion in assets. Customers can open an account at one of its 2 branches.

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

Compared to other banks in California, California Pacific Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate 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 16.29
Multifamily
Mortgages
6.03
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 24.64
Construction and Development Loans 3.13
Commercial Real Estate 77.63
Commercial and Industrial Loans 5.46
Farm Loans 0.10

Deposit Rates

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for California Pacific 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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NMLS ID: 1168
License#: MC-2462
4.703% 4.625% 0.38 $2,265 $1,286 Learn More
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4.711% 4.625% 0.50 $2,510 $1,286 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
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PenFed Credit Union
NMLS ID: 401822
4.585% 4.500% 0.00 $2,500 $1,267 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

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

Note to California Pacific Bank
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Branches

California Pacific 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 Pacific Bank Locations

Financial Details

California Pacific Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of California Pacific 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 Pacific Bank U.S. Bank Average
11.96% 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 Pacific Bank had $0 in non-current loans and $4,074,000 in owned real estate. To cover these potential losses it had $30,123,000 in equity and $3,938,000 in loans loss reserves. That gives it a Texas Ratio of 11.96%.

Return on Equity
California Pacific Bank U.S. Bank Average
2.66% 8.84%

California Pacific Bank has a Return on Equity of 2.66% 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 Pacific Bank U.S. Bank Average
38.65% 12.21%

California Pacific Bank has a Capitalization of 38.65% 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 Pacific Bank Balance Sheet Analysis

As of December 31, 2017, California Pacific Bank had assets of $77,936,000, loans of $52,094,000, and deposits of $47,159,000. 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 $0.01 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 $0.05 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 $0.05 billion
LIABILITIES
Total deposits $0.05 billion
      Interest-bearing deposits $0.02 billion
      Deposits held in domestic offices $0.05 billion
      % insured (estimated) 62.09%
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 $0.05 billion
      Shareholders’ Equity $0.03 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 Pacific Bank

Branches and Savings

Is California Pacific Bank FDIC insured?

Yes. It is covered under FDIC Certificate #23242.

Why does California Pacific 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 Pacific Bank CD rates not competitive?

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

Is California Pacific Bank a commercial bank?

Yes

Where are California Pacific Bank locations?

See branch locations nearby.

Is California Pacific Bank open on Saturdays?

Is California Pacific Bank open on Sundays?

What time does California Pacific Bank open?

What time does California Pacific Bank close?

Are California Pacific Bank ATMs Open 24/7?

Do California Pacific Bank ATMs accept cash deposits?

Can California Pacific Bank customers use other ATMs?

Do California Pacific Bank branches have notaries?

Will California Pacific Bank notarize my document?

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

Will the California Pacific Bank branch print checks?

Do California Pacific Bank checks expire?

Does California Pacific Bank require US citizenship to open account?

Can California Pacific Bank close my account?

Does California Pacific Bank Report to credit bureaus?

Does California Pacific Bank Use Equifax?

What is California Pacific Bank's ACH Routing Number?

What is California Pacific Bank's SWIFT code?

Products

Does California Pacific Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does California Pacific Bank offer personal loans?

Compare personal loan rates here.

Does California Pacific Bank offer student loans?

Will California Pacific Bank cash a check?

Will California Pacific Bank redeem a savings bond?

Does California Pacific Bank cash savings bonds?

Will California Pacific Bank cash money orders?

Can California Pacific Bank issue a money order?

Does California Pacific Bank do currency exchange?

Background on The Bank

Who owns California Pacific Bank?

How long has California Pacific Bank been around?

Can California Pacific Bank transfer to other banks?

Does California Pacific Bank have quick pay?

Does California Pacific Bank accept rolled coins?

Will California Pacific Bank accept loose change?

Where is California Pacific Bank headquarters?

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