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Overview / Commentary
250 Montgomery Street, 5th Floor
San Francisco, CA 94104

California Pacific Bank is headquartered in San Francisco and is the 197th largest bank in the state of California. It is also the 4,682nd largest bank in the nation. It was established in 1980 and as of March of 2014, it had grown to 13 employees at 2 locations. California Pacific Bank has a B+ health rating.

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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 Pacific Bank had $3.95 million in non-current loans and owned real-estate with $29.69 million in equity and loan loss allowances on hand to cover it. This gives California Pacific Bank a Texas Ratio of 13.31% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for California Pacific Bank decreased dramatically from 28.65% as of March 31, 2013 to 13.31% as of March 31, 2014, resulting in a positive change of 53.55%.This indicates that the balance sheet and financial strength for California Pacific Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, California Pacific Bank has decreased its total deposits by -$3.44 million, resulting in -4.39% 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 Pacific Bank has shown is below average.



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 Pacific Bank has $102.15 million in assets with $29.69 million in equity, resulting in a capitalization level of 29.06%, which is excellent.

Institution Statistics

FDIC Certificate #23242
Year Established1980
Primary RegulatorFDIC
Assets and Liabilities
Assets$102.15 million
Loans$52.29 million
Deposits$74.82 million
Equity Capital$26.23 million
Loan Loss Allowance$3.46 million
Real Estate Owned$3.95 million
Historic Data - March 2013
Assets$106.10 million
Equity Capital$24.60 million
Loan Loss Allowance$3.19 million
Unbacked Noncurrent Loans$0
Real Estate Owned$6.27 million
Profit Margin - Quarterly
Net Interest Margin3.32%
Return on Assets0.91%
Return on Equity3.63%
Interest Income$893,000

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California Pacific Bank Locations
Fremont Branch194 Francisco Lane, Suite 100Fremont, CA 94539
California Pacific Bank250 Montgomery Street, 5th FloorSan Francisco, CA 94104