California Pacific Bank: how it compares with its peers
Against 13 CA banks with half to twice its assets, California Pacific Bank's strongest measure in Q2 2026 is return on assets (1.90% vs. a 0.40% peer median). Its weakest relative measure is net interest margin (5.44% vs. 4.11%).
| Measure | California Pacific Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.90% | 0.40% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.44% | 4.11% | Top third Ahead of 85% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.65% | 86.88% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.4M | $6.3M | Top third Ahead of 100% of peers |
| Loans to deposits Net loans and leases over total deposits. | 134.12% | 85.66% | Context |
What it means for lending operations
Its efficiency ratio of 49.65% is better than the 86.88% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Legacy Bank Murrieta, CA · $113M
- Tustin Community Bank Tustin, CA · $87M
- California International Bank, N.A. Westminster, CA · $121M
- Eastern International Bank Los Angeles, CA · $126M
- California Business Bank Irvine, CA · $130M
- Altos Bank Los Altos, CA · $69M
Questions about California Pacific Bank
How big is California Pacific Bank?
California Pacific Bank, established in 1980, is headquartered in Hayward, CA. It reported $103M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is California Pacific Bank's return on assets?
1.90% annualized in Q2 2026, against a 0.40% median for 13 CA banks with half to twice its assets, ahead of 100% of them.
What is California Pacific Bank's efficiency ratio?
49.65% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 86.88%, and lower is better.
Is California Pacific Bank growing its loans?
Net loans grew 14.0% over the year to Q2 2026, while deposits grew 5.2%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.