CalPrivate Bank: how it compares with its peers
Against 31 CA banks with half to twice its assets, CalPrivate Bank's strongest measure in Q2 2026 is net interest margin (5.22% vs. a 3.91% peer median). Its weakest relative measure is assets per employee ($11.0M vs. $10.9M).
| Measure | CalPrivate Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.02% | 1.20% | Top third Ahead of 87% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.22% | 3.91% | Top third Ahead of 100% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.38% | 54.86% | Top third Ahead of 84% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.0M | $10.9M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.17% | 88.94% | Context |
What it means for lending operations
Its efficiency ratio of 44.38% is better than the 54.86% 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
- Open Bank Los Angeles, CA · $2.75B
- Avidbank San Jose, CA · $2.65B
- United Business Bank Walnut Creek, CA · $2.56B
- West Coast Community Bank Santa Cruz, CA · $2.94B
- El Dorado Savings Bank, F.S.B. Placerville, CA · $2.44B
- Plumas Bank Quincy, CA · $2.28B
Questions about CalPrivate Bank
How big is CalPrivate Bank?
CalPrivate Bank, established in 2006, is headquartered in La Jolla, CA. It reported $2.71B in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is CalPrivate Bank's return on assets?
2.02% annualized in Q2 2026, against a 1.20% median for 31 CA banks with half to twice its assets, ahead of 87% of them.
What is CalPrivate Bank's efficiency ratio?
44.38% in Q2 2026: it spent about 44 cents in noninterest expense for each dollar of revenue. The peer median is 54.86%, and lower is better.
Is CalPrivate Bank growing its loans?
Net loans grew 2.0% over the year to Q2 2026, while deposits grew 10.0%.
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.