California Pacific Bank

Headquarters

100 Montgomery St
San Francisco, CA 94104
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 5.50% →
1-Year CD N.A. 5.38% →
2-Year CD N.A. 4.95% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Bank Information

California Pacific Bank is an FDIC insured institution located in San Francisco, CA. It was founded in 1980 and has approximately $0.09 billion in assets. Customers can open an account at one of its 2 branches.

FDIC Insured Yes
FDIC Certificate # 23242
Date Established 1980
Assets $ 87.18 million
Loans $ 54.91 million
Deposits $ 43.69 million
Capital $ 42.06 million
 

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.

Deposit Rates - July 25, 2024

Your Current Location: Virginia, VA 20146


Loan Rates - July 25, 2024

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 2024

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6.668% 6.500%
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7.064% 6.990%
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Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
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7.990 %
$0 Learn More
More Info

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 around zip code 20146


BranchDistance Map View Lobby Hours

Fremont Branch

2356.63 A View Lobby Hours

California Pacific Bank

2381.83 B View Lobby Hours


Climate Policy and Initiatives

California Pacific Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.


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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
5.72% 4.29%

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, 2024, California Pacific Bank had $2,714,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $42,058,000 in equity and $5,395,000 in loans loss reserves. That gives it a Texas Ratio of 5.72%.

Return on Equity
California Pacific Bank U.S. Bank Average
8.98% 10.46%

California Pacific Bank has a Return on Equity of 8.98% versus the BestCashCow average of 10.46%. 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
48.24% 10.73%

California Pacific Bank has a Capitalization of 48.24% versus the BestCashCow average of 10.73. 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 March 31, 2024, California Pacific Bank had assets of $87,179,000, loans of $54,905,000, and deposits of $43,687,000. 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, 2024
ASSETS
Cash & Balances due from depository institutions $ 20.74 million
Interest-bearing balances $ 20.53 million
Total securities N.A.
Federal funds sold and reverse repurchase $ 5.00 million
Net loans and leases $ 54.91 million
Loan loss allowance $ 5.40 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 1.87 million
     Total Assets $ 45.12 million
LIABILITIES
Total deposits $ 43.69 million
      Interest-bearing deposits $ 28.20 million
      Deposits held in domestic offices $ 43.69 million
      % insured (estimated) 52.39%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.43 million
      Total Liabilities $ 45.12 million
      Shareholders’ Equity $ 42.06 million

Summary Income Statement

March 31, 2024
INCOME AND EXPENSES
Total Interest Income $ 1.88 million
Total Interest Expense $ 0.25 million
Net interest income $ 1.63 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.24 million
Total non interest expense $ 0.54 million
Pre-tax Net Operating Income $ 1.22 million

Bank Loan Profile?

The top three loan types in California Pacific Bank’s loan portfolio are Commercial Real Estate, Construction and Development Loans, and Small Business Loans.

Compared to other banks in California, California Pacific Bank has a significantly higher percent of Small Business Loans, Construction and Development 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 13.47
Multifamily
Mortgages
6.74
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 26.03
Construction and Development Loans 30.86
Commercial Real Estate 56.03
Commercial and Industrial Loans 5.85
Farm Loans 0.32

Customer Reviews for California Pacific Bank

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