California First National Bank

Overview / Commentary
4 Executive Circle Suite 120
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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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. California First National Bank has a relatively low asset base.

Health Grade Components

FDIC Certificate #35331
Year Established2001
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-2.77%
Return on Equity - YTD-5.18%
Annual Interest Income$65.00K
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$90.0MM$115.4MM
LoansQ1 2021vs Q1 2020$31.8MM$59.0MM
DepositsQ1 2021vs Q1 2020$42.8MM$56.5MM
Equity CapitalQ1 2021vs Q1 2020$46.8MM$55.8MM
Loan Loss AllowanceQ1 2021vs Q1 2020$312.00K$1.2MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$0$0
Real Estate OwnedQ1 2021vs Q1 2020$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

California First National Bank Savings Account Rates

0.05%--Premium Savings

California First National Bank Money Market Rates

0.25%*$5m*-Money Market Checking
OTHER TIERS: 0.05% Up to $50k | 0.10% $50k - $250k | 0.15% $250k - $1m | 0.20% $1m - $5m

California First National Bank Checking Account Rates

0.05%--Interest Checking

California First National Bank CD Rates

0.40%*$100k*-3 Year CD
OTHER TIERS: 0.35% $5k - $100k
0.30%*$100k*-2 Year CD
OTHER TIERS: 0.25% $5k - $100k
0.20%*$100k*-1 Year CD
OTHER TIERS: 0.15% $5k - $100k
0.15%*$100k*-6 Month CD
OTHER TIERS: 0.10% $5k - $100k
0.10%*$100k*-3 Month CD
OTHER TIERS: 0.05% $5k - $100k

California First National Bank IRA Rates

0.40%*$100k*-3 Year IRA
OTHER TIERS: 0.35% $2k - $100k
0.30%*$100k*-2 Year IRA
OTHER TIERS: 0.25% $2k - $100k
0.20%*$100k*-1 Year IRA
OTHER TIERS: 0.15% $2k - $100k
0.15%*$100k*-6 Month IRA
OTHER TIERS: 0.10% $2k - $100k
0.10%*$100k*-3 Month IRA
OTHER TIERS: 0.05% $2k - $100k

California First National Bank is an Internet only bank and does not have branch locations. Its headquarters is located at 4 Executive Circle Suite 120 - Irvine, CA 92614

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