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California Business Bank
Irvine, CA · FDIC Certificate #58037 · Chartered 11/0
Total assets
$130.47M
Total deposits
$108.43M
Total equity
$17.53M
Net loans
$92.88M
Branches (offices)
1
Net income (YTD)
$447.00K
Rank: #3,458 of 4,213 U.S. banks by assets · #108 of 115 in California. Assets changed 13.0% and deposits 15.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.72% |
| Return on equity | 5.13% |
| Net interest margin (YTD) | 4.22% |
| Equity to assets | 13.44% |
| Tier 1 leverage ratio | 14.46% |
| Uninsured deposits (share of deposits) | 31.7% |
| Noncurrent loans (share of loans) | 0.55% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 85.7% |
| Real estate loans (share of loans) | 69.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $64.69M | 69.7% | |
| Commercial & industrial | $29.24M | 31.5% | |
| Consumer / individual | $424.00K | 0.5% | |
| Construction & development | $4.98M | 5.4% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $113.65M | $98.70M | $437.00K | $14.34M |
| Jun 2023 | $99.58M | $82.74M | $796.00K | $16.17M |
| Jun 2024 | $100.82M | $83.75M | $174.00K | $16.19M |
| Jun 2025 | $115.47M | $94.27M | $279.00K | $16.83M |
| Jun 2026 | $130.47M | $108.43M | $447.00K | $17.53M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $108.43M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $108.43M.
Similar-sized banks
Farmers Savings Bank ($130.51M) · Farmers State Bank & Trust Co. ($130.20M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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