California Pacific Bank is a state-chartered bank headquartered in Hayward, California, in business for about 46 years. At the end of Q2 2026 it reported $102.6M in total assets and $59.2M in deposits, with 2 offices.
California Pacific Bank has a TellerScore of 56 out of 100 (moderate) based on Q2 2026 data — higher than only 13% of its 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 97th. Capital cushion contributes the most (100/100, 40.98%); loan quality contributes the least (0/100, 15.93%).
TellerScore · Q2 2026
Scorecard
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 fell 4 points (60 → 56), mostly because the problem-loan coverage component weakened by 42 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 58 |
| Q4 2024 | 60 |
| Q1 2025 | 60 |
| Q2 2025 | 60 |
| Q3 2025 | 57 |
| Q4 2025 | 56 |
| Q1 2026 | 55 |
| Q2 2026 | 56 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 47.24% |
| Q3 2024 | 43.82% |
| Q4 2024 | 45.41% |
| Q1 2025 | 47.12% |
| Q2 2025 | 43.91% |
| Q3 2025 | 41.66% |
| Q4 2025 | 41.65% |
| Q1 2026 | 41.93% |
| Q2 2026 | 40.98% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 11.08% |
| Q3 2024 | 13.10% |
| Q4 2024 | 9.07% |
| Q1 2025 | 9.26% |
| Q2 2025 | 4.51% |
| Q3 2025 | 17.17% |
| Q4 2025 | 16.95% |
| Q1 2026 | 16.39% |
| Q2 2026 | 15.93% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 4.11% |
| Q3 2024 | 3.79% |
| Q4 2024 | 3.78% |
| Q1 2025 | 3.26% |
| Q2 2025 | 3.03% |
| Q3 2025 | 2.88% |
| Q4 2025 | 1.92% |
| Q1 2026 | 1.77% |
| Q2 2026 | 1.90% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $102.6M | 40.98% | 15.93% | 1.90% | 134.1% |
| Q1 2026 | 55 | $100.9M | 41.93% | 16.39% | 1.77% | 131.9% |
| Q4 2025 | 56 | $97.6M | 41.65% | 16.95% | 1.92% | 131.0% |
| Q3 2025 | 57 | $98.2M | 41.66% | 17.17% | 2.88% | 123.6% |
| Q2 2025 | 60 | $97.9M | 43.91% | 4.51% | 3.03% | 123.8% |
| Q1 2025 | 60 | $83.1M | 47.12% | 9.26% | 3.26% | 154.3% |
| Q4 2024 | 60 | $82.4M | 45.41% | 9.07% | 3.78% | 141.1% |
| Q3 2024 | 58 | $85.1M | 43.82% | 13.10% | 3.79% | 131.6% |
| Q2 2024 | 57 | $91.2M | 47.24% | 11.08% | 4.11% | 115.0% |
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).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Legacy BankBank Murrieta, CA | 38 out of 100, Low | $112.8M | 8.3% | 1.61% | vs |
| California International Bank, N.A.Bank Westminster, CA | 89 out of 100, Very strong | $120.9M | 13.5% | 0.00% | vs |
| Eastern International BankBank Los Angeles, CA | 80 out of 100, Strong | $125.8M | 18.3% | 0.00% | vs |
| California Business BankBank Irvine, CA | 77 out of 100, Strong | $130.5M | 14.5% | 0.55% | vs |
| Bank of Whittier, National AssociationBank Whittier, CA | 87 out of 100, Very strong | $152.6M | 16.4% | 0.00% | vs |
| Icon Business BankBank Riverside, CA | 57 out of 100, Moderate | $155.5M | 11.9% | 0.22% | vs |
Deposit insurance
Is my money safe at California Pacific Bank?
Yes. California Pacific Bank is an FDIC-insured institution (FDIC certificate #23242). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 40.0% of deposits ($23.7M) 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 40.98%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 41.77% (benchmark: 10%).
2 locations
Branches
California Pacific Bank lists 2 offices in 2 cities. Most locations:
- Fremont, CA (1)
- Hayward, CA (1)
Identity & history
Profile
- Legal name
- California Pacific Bank
- Former names
- California National Bank
- Type
- State-chartered bank
- FDIC certificate #
- 23242
- RSSD ID
- 50461
- Primary regulator
- FDIC
- Established
- October 16, 1980
- Headquarters
- 24301 Southland Dr, Hayward, CA 94545
- Website
- www.calpacificbank.com
- Employees
- 9
Quick answers
California Pacific Bank: common questions
Is California Pacific Bank FDIC insured?
Yes. California Pacific Bank is an FDIC-insured institution (FDIC certificate #23242). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is California Pacific Bank's TellerScore?
56 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has California Pacific Bank ever failed?
There is no failure record for FDIC certificate #23242 in the FDIC failed bank list.
How many branches does California Pacific Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Hayward
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northeast Community Federal Credit UnionCredit union San Francisco, CA | 100 out of 100, Very strong | $15.2M | 32.6% | 0.00% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Smw 104 Federal Credit UnionCredit union Livermore, CA | 89 out of 100, Very strong | $117.9M | 12.7% | 0.32% | vs |
| San Mateo City Employees Federal Credit UnionCredit union San Mateo, CA | 87 out of 100, Very strong | $31.8M | 18.4% | 0.00% | vs |
| San Francisco Federal Credit UnionCredit union San Francisco, CA | 86 out of 100, Very strong | $1.6B | 13.6% | 0.15% | vs |
| San Francisco Lee Federal Credit UnionCredit union San Francisco, CA | 85 out of 100, Very strong | $10.7M | 53.3% | 0.00% | vs |