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National Bank of California

National Bank of California
Overview / Commentary
12121 Wilshire Blvd 14th Fl
Los Angeles, CA 90025

National Bank of California is headquartered in Los Angeles and is the 111st largest bank in the state of California. It is also the 1,912st largest bank in the nation. It was established in 1982 and as of March of 2014, it had grown to 77 employees at 4 locations. National Bank of California 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 National Bank of California had $2.69 million in non-current loans and owned real-estate with $26.09 million in equity and loan loss allowances on hand to cover it. This gives National Bank of California a Texas Ratio of 10.32% 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 National Bank of California decreased dramatically from 25.30% as of March 31, 2013 to 10.32% as of March 31, 2014, resulting in a positive change of 59.21%.This indicates that the balance sheet and financial strength for National Bank of California has improved dramatically in recent periods.

Deposit Growth


In the past year, National Bank of California has increased its total deposits by $6.04 million, resulting in 1.92% 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 National Bank of California has shown is above 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. National Bank of California has $343.64 million in assets with $26.09 million in equity, resulting in a capitalization level of 7.59%, which is below average.

Institution Statistics

FDIC Certificate #24108
Year Established1982
Primary RegulatorOCC
Assets and Liabilities
Assets$343.64 million
Loans$219.68 million
Deposits$319.64 million
Equity Capital$20.63 million
Loan Loss Allowance$5.46 million
Unbacked Noncurrent Loans$2.06 million
Real Estate Owned$636,000
Historic Data - March 2013
Assets$339.76 million
Equity Capital$22.60 million
Loan Loss Allowance$5.81 million
Unbacked Noncurrent Loans$2.06 million
Real Estate Owned$1.88 million
Profit Margin - Quarterly
Net Interest Margin3.69%
Return on Assets-0.75%
Return on Equity-12.36%
Interest Income$3.09 million

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National Bank of California Locations
National Bank Of California12121 Wilshire Blvd 14th FlLos Angeles, CA 90025
Fairfax Branch145 South Fairfax AvenueLos Angeles, CA 90036
Sherman Oaks Branch14724 Ventura Boulevard, Suite 100Sherman Oaks, CA 91403
Orange County Branch575 Anton Blvd., Ste. 140Costa Mesa, CA 92626