Side-by-side · Q2 2026 data
Universal Bank vs California International Bank, N.A.
Bank
California International Bank, N.A.
Westminster, California · $100 million – $1 billion
Metric by metric
| Measure | Universal Bank | California International Bank, N.A. |
|---|---|---|
| TellerScore | 54 | 89 (stronger) |
| Capital cushion | 100 (stronger) | 85 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 34 | 89 (stronger) |
| Funding & liquidity | 66 | 70 (stronger) |
| Problem-loan coverage | 72 | 100 (stronger) |
| Peer percentile | 10th | 94th |
| Total assets | $388.0M | $120.9M |
| Deposits / shares | $275.1M | $105.9M |
| Capital ratio | 17.80% (stronger) | 13.51% |
| Problem loans | 3.74% | 0.00% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 0.36% | 1.71% (stronger) |
| Loans ÷ deposits | 94.1% | 76.7% (stronger) |
| Uninsured deposits | 13.7% (stronger) | 27.3% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
California International Bank, N.A. has the higher TellerScore (89 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Universal Bank leads on 3 and California International Bank, N.A. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.