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California Pacific Bank
Hayward, CA · FDIC Certificate #23242 · Chartered 10/1
Total assets
$102.58M
Total deposits
$59.15M
Total equity
$41.96M
Net loans
$79.33M
Branches (offices)
2
Net income (YTD)
$953.00K
Rank: #3,662 of 4,213 U.S. banks by assets · #112 of 115 in California. Assets changed 4.7% and deposits 5.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.90% |
| Return on equity | 4.60% |
| Net interest margin (YTD) | 5.44% |
| Equity to assets | 40.91% |
| Tier 1 leverage ratio | 40.98% |
| Uninsured deposits (share of deposits) | 40.0% |
| Noncurrent loans (share of loans) | 15.93% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 134.1% |
| Real estate loans (share of loans) | 102.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $81.42M | 102.6% | |
| Commercial & industrial | $4.13M | 5.2% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $23.38M | 29.5% | |
| Agricultural | $225.00K | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $82.08M | $45.15M | $855.00K | $36.51M |
| Jun 2023 | $82.98M | $42.87M | $1.65M | $39.21M |
| Jun 2024 | $91.18M | $47.49M | $1.82M | $42.94M |
| Jun 2025 | $97.94M | $56.20M | $1.33M | $40.57M |
| Jun 2026 | $102.58M | $59.15M | $953.00K | $41.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $59.15M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $59.15M.
Similar-sized banks
Security State Bank ($103.04M) · Gunnison Savings And Loan Association ($102.23M)
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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