CalPrivate Bank (FDIC certificate #58291) is based in La Jolla, California. Its Q2 2026 call report shows $2.7B in total assets and $2.4B in deposits and 7 offices.
CalPrivate Bank has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 76th. Earnings contributes the most (100/100, 2.02%); funding & liquidity contributes the least (26/100, 88% loans-to-deposits, 56% uninsured).
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 5 points (70 → 65), mostly because the loan quality component weakened by 30 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 65 |
| Q4 2024 | 67 |
| Q1 2025 | 66 |
| Q2 2025 | 70 |
| Q3 2025 | 56 |
| Q4 2025 | 54 |
| Q1 2026 | 61 |
| Q2 2026 | 65 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.00% |
| Q3 2024 | 10.05% |
| Q4 2024 | 10.39% |
| Q1 2025 | 10.35% |
| Q2 2025 | 10.70% |
| Q3 2025 | 10.80% |
| Q4 2025 | 10.85% |
| Q1 2026 | 11.29% |
| Q2 2026 | 11.52% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.57% |
| Q4 2024 | 0.55% |
| Q1 2025 | 0.75% |
| Q2 2025 | 0.37% |
| Q3 2025 | 1.81% |
| Q4 2025 | 1.98% |
| Q1 2026 | 1.61% |
| Q2 2026 | 1.26% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.48% |
| Q3 2024 | 1.56% |
| Q4 2024 | 1.63% |
| Q1 2025 | 1.79% |
| Q2 2025 | 1.78% |
| Q3 2025 | 1.72% |
| Q4 2025 | 1.70% |
| Q1 2026 | 1.91% |
| Q2 2026 | 2.02% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $2.7B | 11.52% | 1.26% | 2.02% | 88.2% |
| Q1 2026 | 61 | $2.7B | 11.29% | 1.61% | 1.91% | 88.9% |
| Q4 2025 | 54 | $2.5B | 10.85% | 1.98% | 1.70% | 94.2% |
| Q3 2025 | 56 | $2.6B | 10.80% | 1.81% | 1.72% | 90.2% |
| Q2 2025 | 70 | $2.5B | 10.70% | 0.37% | 1.78% | 95.2% |
| Q1 2025 | 66 | $2.5B | 10.35% | 0.75% | 1.79% | 93.6% |
| Q4 2024 | 67 | $2.4B | 10.39% | 0.55% | 1.63% | 96.4% |
| Q3 2024 | 65 | $2.4B | 10.05% | 0.57% | 1.56% | 94.2% |
| Q2 2024 | 68 | $2.3B | 10.00% | 0.13% | 1.48% | 97.4% |
897 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| Open BankBank Los Angeles, CA | 47 out of 100, Below average | $2.7B | 10.1% | 2.09% | vs |
| AvidbankBank San Jose, CA | 70 out of 100, Strong | $2.7B | 12.0% | 0.65% | vs |
| United Business BankBank Walnut Creek, CA | 60 out of 100, Moderate | $2.6B | 11.7% | 0.47% | vs |
| West Coast Community BankBank Santa Cruz, CA | 75 out of 100, Strong | $2.9B | 12.0% | 0.50% | vs |
| El Dorado Savings Bank, F.S.B.Bank Placerville, CA | 84 out of 100, Strong | $2.4B | 13.4% | 0.28% | vs |
| Plumas BankBank Quincy, CA | 67 out of 100, Moderate | $2.3B | 11.8% | 1.55% | vs |
Deposit insurance
Is my money safe at CalPrivate Bank?
Yes. CalPrivate Bank is an FDIC-insured institution (FDIC certificate #58291). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 56.5% of deposits ($1.3B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.52%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.86% (benchmark: 10%).
7 locations
Branches
CalPrivate Bank lists 7 offices in 7 cities. Most locations:
- Beverly Hills, CA (1)
- Coronado, CA (1)
- El Segundo, CA (1)
- La Jolla, CA (1)
- Montecito, CA (1)
- Newport Beach, CA (1)
- San Diego, CA (1)
Identity & history
Profile
- Legal name
- CalPrivate Bank
- Former names
- Embarcadero Bank; Coronado First Bank; San Diego Private Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58291
- RSSD ID
- 3545258
- Primary regulator
- FDIC
- Holding company
- Private Bcorp of America Inc
- Established
- December 18, 2006
- Headquarters
- 9404 Genesee Ave, La Jolla, CA 92037
- Website
- www.calprivate.bank
- Employees
- 247
Quick answers
CalPrivate Bank: common questions
Is CalPrivate Bank FDIC insured?
Yes. CalPrivate Bank is an FDIC-insured institution (FDIC certificate #58291). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is CalPrivate Bank's TellerScore?
65 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 CalPrivate Bank ever failed?
There is no failure record for FDIC certificate #58291 in the FDIC failed bank list.
How many branches does CalPrivate Bank have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near La Jolla
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Certified Federal Credit UnionCredit union El Monte, CA | 88 out of 100, Very strong | $925.3M | 20.7% | 0.37% | vs |
| San Diego County Credit UnionCredit union San Diego, CA | 86 out of 100, Very strong | $9.5B | 19.8% | 0.20% | vs |
| California Coast Credit UnionCredit union San Diego, CA | 85 out of 100, Very strong | $3.5B | 13.9% | 0.26% | vs |
| Home Bank of CaliforniaBank San Diego, CA | 84 out of 100, Strong | $255.4M | 12.3% | 0.00% | vs |
| Mission Federal Credit UnionCredit union San Diego, CA | 81 out of 100, Strong | $7.3B | 12.3% | 0.15% | vs |
| Sag-Aftra Federal Credit UnionCredit union Burbank, CA | 81 out of 100, Strong | $335.6M | 13.1% | 0.63% | vs |