TellerScore

California International Bank, N.A. is a national bank headquartered in Westminster, California, in business for about 21 years. At the end of Q2 2026 it reported $120.9M in total assets and $105.9M in deposits, with 1 office.

Based on its Q2 2026 filing, California International Bank, N.A. scores 89/100, which we describe as very strong. That is higher than 94% of 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 4th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is funding & liquidity (70/100; 77% loans-to-deposits, 27% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Tier 1 leverage ratio: 13.51%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings89/100
Return on assets (annualized): 1.71%
Funding & liquidity70/100
Loans ÷ deposits and uninsured-deposit share: 76.7% · 27.3% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (84 → 89), mostly because the earnings component improved by 32 points.

TellerScore
768389Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202478
Q4 202476
Q1 202579
Q2 202584
Q3 202587
Q4 202587
Q1 202689
Q2 202689
Tier 1 leverage ratio
5.00%12.60%20.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202420.19%
Q3 202419.59%
Q4 202419.94%
Q1 202519.10%
Q2 202517.15%
Q3 202514.64%
Q4 202513.85%
Q1 202614.60%
Q2 202613.51%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.00%0.86%1.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.00%
Q3 20240.01%
Q4 20240.02%
Q1 20250.45%
Q2 20250.92%
Q3 20251.05%
Q4 20251.35%
Q1 20261.31%
Q2 20261.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$120.9M13.51%0.00%1.71%76.7%
Q1 202689$95.2M14.60%0.00%1.31%80.4%
Q4 202587$90.9M13.85%0.00%1.35%83.6%
Q3 202587$89.5M14.64%0.00%1.05%75.9%
Q2 202584$75.0M17.15%0.00%0.92%92.6%
Q1 202579$62.7M19.10%0.00%0.45%97.4%
Q4 202476$58.6M19.94%0.00%0.02%97.4%
Q3 202478$58.3M19.59%0.00%0.01%84.8%
Q2 202478$57.8M20.19%0.00%0.00%86.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.51%
78th
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets1.71%
76th
Net interest margin6.48%
99th
Efficiency ratio73.2%
23rd
Loans to deposits76.7%
56th
Uninsured deposits27.3%
37th
Loan-loss reserves2.85%
98th
Texas ratio0.0%
95th

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
Eastern International BankBank Los Angeles, CA80 out of 100, Strong$125.8M18.3%0.00%vs
Legacy BankBank Murrieta, CA38 out of 100, Low$112.8M8.3%1.61%vs
California Business BankBank Irvine, CA77 out of 100, Strong$130.5M14.5%0.55%vs
California Pacific BankBank Hayward, CA56 out of 100, Moderate$102.6M41.0%15.93%vs
Bank of Whittier, National AssociationBank Whittier, CA87 out of 100, Very strong$152.6M16.4%0.00%vs
Icon Business BankBank Riverside, CA57 out of 100, Moderate$155.5M11.9%0.22%vs

Deposit insurance

Is my money safe at California International Bank, N.A.?

Yes. California International Bank, N.A. is an FDIC-insured institution (FDIC certificate #57974). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.3% of deposits ($28.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.51%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

California International Bank, N.A. lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
California International Bank, N.A.
Former names
Saigon National Bank
Type
National bank
FDIC certificate #
57974
RSSD ID
3394380
Primary regulator
OCC
Established
November 30, 2005
Headquarters
15606 Brookhurst St, Westminster, CA 92683
Employees
17

Quick answers

California International Bank, N.A.: common questions

Is California International Bank, N.A. FDIC insured?

Yes. California International Bank, N.A. is an FDIC-insured institution (FDIC certificate #57974). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is California International Bank, N.A.'s TellerScore?

89 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has California International Bank, N.A. ever failed?

There is no failure record for FDIC certificate #57974 in the FDIC failed bank list.

How many branches does California International Bank, N.A. have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Westminster

InstitutionScoreAssetsCapitalProblem loansCompare
Capital Bank and Trust CompanyBank Irvine, CA94 out of 100, Very strong$266.1M79.3%0.00%vs
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American Plus Bank, N.A.Bank Arcadia, CA88 out of 100, Very strong$935.0M16.5%0.04%vs