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Overview / Commentary
18400 Von Karmen Ave, Ste 11
Irvine, CA 92612

California Republic Bank is headquartered in Irvine and is the 55th largest bank in the state of California. It is also the 710st largest bank in the nation. It was established in 2007 and as of June of 2014, it had grown to 245 employees at 4 locations. California Republic Bank has a A health rating.

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Health

Data for Q2 2014

Institution Health

A

Texas Ratio

GRADE:
A+

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 June 30, 2014 California Republic Bank had $114,000 in non-current loans and owned real-estate with $72.92 million in equity and loan loss allowances on hand to cover it. This gives California Republic Bank a Texas Ratio of 0.16% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for California Republic Bank experienced no significant changes from 0.17% as of June 30, 2013 to 0.16% as of June 30, 2014, resulting in a positive change of 7.64%.This indicates that the balance sheet and financial strength for California Republic Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, California Republic Bank has increased its total deposits by $198.49 million, resulting in 29.64% 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 Republic Bank has shown is excellent.

Capitalization

GRADE:
C-

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 Republic Bank has $947.66 million in assets with $72.92 million in equity, resulting in a capitalization level of 7.69%, which is below average.

Institution Statistics

Overall
FDIC Certificate #58663
Year Established2007
Employees245
Primary RegulatorFED
Assets and Liabilities
Assets$947.66 million
Loans$573.76 million
Deposits$868.15 million
Equity Capital$67.88 million
Loan Loss Allowance$5.05 million
Unbacked Noncurrent Loans$114,000
Real Estate Owned$0
Historic Data - June 2013
Assets$737.28 million
Equity Capital$58.88 million
Loan Loss Allowance$4.93 million
Unbacked Noncurrent Loans$114,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets1.42%
Return on Equity19.42%
Interest Income$19.55 million
Rates

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Locations


California Republic Bank Locations
Beverly Hills Branch100 N Crescent DrBeverly Hills, CA 90210
Newport Beach Branch100 Newport Center DriveNewport Beach, CA 92660
California Republic Bank18400 Von Karmen Ave, Ste 1100Irvine, CA 92612
Westlake Village Branch875 Westlake Blvd., Suite 101Westlake Village, CA 91361