$2.69B
+8.5%y/y
Percentile by value92nd percentileby value
FDIC
ASSETCB
CalPrivate Bank
La Jolla, CaliforniaFDIC Cert #58291
STATEEstablished 20067 branches
Holding company: PRIVATE BCORP OF AMERICA INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportCalPrivate Bank reported $2.69B in total assets. Deposits grew 8.22% over the prior year.
Return on assets was 1.91%, compared with an asset-peer median of 1.16%. The leverage ratio was 11.29%.
- Why is Total Assets above asset peers?
- Why is Noncurrent Loan Ratio above asset peers?
- Why is Efficiency Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$2.38B
+8.2%y/y
Percentile by value95th percentileby value
FDIC
DEP$2.11B
+2.8%y/y
Percentile by value95th percentileby value
FDIC
LNLSNET1.91%
+12 bpsy/y
Peer standing86th percentile
FDIC
NETINC + ROA44.13%
−247 bpsy/y
Peer standing91st percentile
FDIC
NONIX + NIM + NONII + EEFFR11.29%
+94 bpsy/y
Peer standing66th percentile
FDIC
RBC1AAJPercentiles compare this bank with 629 banks from $1 billion to $3 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $1.38B | $1.21B |
| Q3 2021 | $1.47B | $1.32B |
| Q4 2021 | $1.52B | $1.35B |
| Q1 2022 | $1.55B | $1.38B |
| Q2 2022 | $1.61B | $1.45B |
| Q3 2022 | $1.73B | $1.53B |
| Q4 2022 | $1.85B | $1.68B |
| Q1 2023 | $1.97B | $1.59B |
| Q2 2023 | $1.98B | $1.7B |
| Q3 2023 | $2.07B | $1.77B |
| Q4 2023 | $2.15B | $1.88B |
| Q1 2024 | $2.19B | $1.91B |
| Q2 2024 | $2.29B | $2B |
| Q3 2024 | $2.39B | $2.11B |
| Q4 2024 | $2.42B | $2.14B |
| Q1 2025 | $2.48B | $2.2B |
| Q2 2025 | $2.45B | $2.17B |
| Q3 2025 | $2.58B | $2.28B |
| Q4 2025 | $2.53B | $2.23B |
| Q1 2026 | $2.69B | $2.38B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $631M |
| Investor CRE | $595M |
| Multifamily | $177M |
| Construction | $43.9M |
| 1–4 family | $198M |
| C&I | $473M |
| Agriculture | $0 |
| Other | $23M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.91%86th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE17.62%85th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY5.20%97th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR44.13%91st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+8.22%70th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+2.78%31st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.61%13th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ11.29%66th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.31%68th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC254%63rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.91%88th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.10%Median 1.10%90th 2.16%Observations 121
ROE
FDIC
NETINC + ROE17.62%92nd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −0.97%Median 8.59%90th 17.23%Observations 121
NIM
FDIC
NIM + NIMY5.20%94th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.85%Median 3.77%90th 4.90%Observations 123
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR44.13%86th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 39.68%Median 60.80%90th 96.70%Observations 121
Deposits YoY
FDIC
DEP+8.22%64th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −5.66%Median +4.99%90th +23.38%Observations 120
Loans YoY
FDIC
LNLSNET+2.78%30th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −4.04%Median +7.60%90th +21.89%Observations 116
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.61%18th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 2.67%Observations 117
Leverage
FDIC
RBC1AAJ11.29%38th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.40%Median 11.85%90th 22.17%Observations 123
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.31%69th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.66%Median 2.81%90th 3.93%Observations 117
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC254%50th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 96%Median 254%90th 442%Observations 81
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.91%88th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.57%Median 1.17%90th 2.01%Observations 27
ROE
FDIC
NETINC + ROE17.62%96th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.69%Median 10.10%90th 15.07%Observations 27
NIM
FDIC
NIM + NIMY5.20%96th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.99%Median 3.82%90th 5.04%Observations 27
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR44.13%85th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 37.87%Median 56.40%90th 76.82%Observations 27
Deposits YoY
FDIC
DEP+8.22%54th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −0.44%Median +6.25%90th +21.02%Observations 27
Loans YoY
FDIC
LNLSNET+2.78%36th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.02%Median +5.75%90th +17.99%Observations 26
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.61%24th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.13%Median 0.77%90th 2.09%Observations 26
Leverage
FDIC
RBC1AAJ11.29%27th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 10.89%Median 11.98%90th 19.09%Observations 27
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.31%52nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.30%Median 2.32%90th 3.73%Observations 26
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC254%39th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 158%Median 260%90th 382%Observations 19
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
7 domestic branches reported in the latest Call Report.
FDIC
OFFDOMHistory
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data