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28 Executive Park
Irvine, CA 92614

California First National Bank operates under a parent company called California First National Bancorp, which is listed on NASDAQ (Symbol:CFNB). The bank provides personal and commercial banking products and services, but does not offer loans on the personal banking side.

CalFirst Bank offers an interest-bearing checking account with minimum daily account balance requirements, as well as an interest-bearing savings account that receives a higher interest yield than the checking account. The free checking account option comes with a free ATM card and a free order of checks, as well as free online bill paying. The savings account’s monthly service fee can be waived if a minimum daily account balance is kept. Its Money Market account functions similarly to its savings account offering and comes with an optional ATM card. CalFirst Bank’s Certificates of Deposit (CDs) and IRA CDs range in term lengths from 3 months to 3 years and require a minimum deposit. The IRA CDs have a smaller minimum initial deposit requirement than the regular CDs.

Calfirst Bank online banking provides customers with secure access to accounts for account management, bill pay, and fund transfers.

California First National Bank was established in 2001 and moved its headquarters from Santa Ana to Irvine, California in 2003. It is a subsidiary of California First National Bancorp, a bank holding company.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 California First National Bank had $1.5 million in non-current loans and owned real-estate with $106.42 million in equity and loan loss allowances on hand to cover it. This gives California First National Bank a Texas Ratio of 1.41% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for California First National Bank decreased dramatically from 2.04% as of March 31, 2013 to 1.41% as of March 31, 2014, resulting in a positive change of 31.18%.This indicates that the balance sheet and financial strength for California First National Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, California First National Bank has increased its total deposits by $10.76 million, resulting in 3.02% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth California First National Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. California First National Bank has $479.36 million in assets with $106.42 million in equity, resulting in a capitalization level of 22.20%, which is excellent.

Institution Statistics

FDIC Certificate #35331
Year Established2001
Primary RegulatorOCC
Assets and Liabilities
Assets$479.36 million
Loans$403.33 million
Deposits$367.24 million
Equity Capital$101.79 million
Loan Loss Allowance$4.63 million
Unbacked Noncurrent Loans$1.50 million
Real Estate Owned$0
Historic Data - March 2013
Assets$471.60 million
Equity Capital$96.93 million
Loan Loss Allowance$4.65 million
Unbacked Noncurrent Loans$1.50 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.79%
Return on Equity3.67%
Interest Income$4.64 million

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California First National Bank Savings Account Rates

0.50%$1k-Premium Savings

California First National Bank Money Market Rates

0.50%$5k-Money Market Checking

California First National Bank Checking Account Rates

0.20%--Interest Checking

California First National Bank CD Rates

1.30%$5k-3 Year CD
1.20%$5k-2 Year CD
1.01%$5k-1 Year CD
0.55%$5k-6 Month CD
0.40%$5k-3 Month CD

California First National Bank IRA Rates

1.30%$2k-3 Year IRA
1.20%$2k-2 Year IRA
1.01%$2k-1 Year IRA
0.55%$2k-6 Month IRA
0.40%$2k-3 Month IRA

California First National Bank Locations
Branch Office28 Executive ParkIrvine, CA 92614