California International Bank, N.A.: how it compares with its peers
Against 15 CA banks with half to twice its assets, California International Bank, N.A.'s strongest measure in Q2 2026 is net interest margin (6.48% vs. a 4.02% peer median). Its weakest relative measure is assets per employee ($7.1M vs. $6.3M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.71% | 0.40% | Top third Ahead of 93% of peers |
| Net interest margin Annualized net interest income over earning assets. | 6.48% | 4.02% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.16% | 86.88% | Top third Ahead of 87% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.1M | $6.3M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 76.71% | 96.92% | Context |
What it means for lending operations
Its efficiency ratio of 73.16% 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
- Eastern International Bank Los Angeles, CA · $126M
- Legacy Bank Murrieta, CA · $113M
- California Business Bank Irvine, CA · $130M
- California Pacific Bank Hayward, CA · $103M
- Bank of Whittier, National Association Whittier, CA · $153M
- Tustin Community Bank Tustin, CA · $87M
Questions about California International Bank, N.A.
How big is California International Bank, N.A.?
California International Bank, N.A., established in 2005, is headquartered in Westminster, CA. It reported $121M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is California International Bank, N.A.'s return on assets?
1.71% annualized in Q2 2026, against a 0.40% median for 15 CA banks with half to twice its assets, ahead of 93% of them.
What is California International Bank, N.A.'s efficiency ratio?
73.16% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 86.88%, and lower is better.
Is California International Bank, N.A. growing its loans?
Net loans grew 39.7% over the year to Q2 2026, while deposits grew 68.7%.
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.