CalPrivate Bank
CalPrivate Bank reported total assets of $2.7 bn at Q2 2026, up 10.3% on a year earlier, the 469th largest of 497 banks in our US coverage. The CET1 capital ratio at CalPrivate Bank was 13.61%, and the uninsured share of CalPrivate Bank was 56.48%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, CalPrivate Bank slipped from 164th to 402nd among 500 US banks between and (1 = lowest; FDIC Call Reports).
- CalPrivate Bank has one of the highest net interest margin readings among banks of $1 bn to $10 bn: 5.22% at , against a median of 3.66% across 339 banks (FDIC Call Reports).
- At 56.48%, the uninsured share of domestic deposits of CalPrivate Bank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 32.61% (FDIC Call Reports).
What sets CalPrivate Bank apart
- Few banks of $1 bn to $10 bn report a higher return on assets (ROA) than CalPrivate Bank, at 2.02% in against a group median of 1.32%.
How large is CalPrivate Bank?
The balance sheet of CalPrivate Bank at : assets $2.7 bn, deposits $2.4 bn, net loans $2.1 bn (loans equal to 88.17% of deposits). Securities make up 8.8% of total assets at CalPrivate Bank. Since , when CalPrivate Bank held $447.4 mn, its assets grew 505.2%. In the year to , deposits at CalPrivate Bank rose 10.0% while its total assets rose 10.3%. At , CalPrivate Bank employed 247 full-time equivalent staff across 7 offices, about $11.0 mn of assets per employee and $340.6 mn of deposits per office.
How much funding at CalPrivate Bank is uninsured?
At CalPrivate Bank, uninsured deposits (above the FDIC limit) made up 56.48% of domestic deposits at (+3.88 pp on a year earlier); CalPrivate Bank ranks 43rd of 500 on this measure. In dollars, CalPrivate Bank estimated $1.3 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.4 bn | +10.0% | 443rd of 499 |
| Net loans and leases | $2.1 bn | +2.0% | 424th of 500 |
| Loan-to-deposit ratio | 88.17% | -6.99 pp | 231st of 500 |
| Tier 1 leverage ratio | 11.52% | +0.82 pp | 122nd of 500 |
| Total risk-based capital ratio | 14.86% | +1.49 pp | 181st of 448 |
| Net interest margin | 5.22% | +0.29 pp | 36th of 500 |
| Return on assets (ROA) | 2.02% | +0.24 pp | 46th of 500 |
| Efficiency ratio | 44.38% | -2.88 pp | 79th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $8.9 mn | Narrowed by $132,000 | |
| Noncurrent loans to total loans | 1.26% | +0.89 pp | 402nd of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.08% | -0.05 pp | 233rd of 500 (1 = lowest) |
US rank of CalPrivate Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
CalPrivate Bank: assets, deposits and loans
- Total assets $2.7bn
- Deposits $2.4bn
- Net loans $2.1bn
Capital and securities
The CET1 ratio of CalPrivate Bank stood at 13.61% in , +1.49 pp year on year. Low and high at CalPrivate Bank since : 10.09% () to 17.08% (). Equity capital of CalPrivate Bank at : $299.4 mn, or 11.1% of total assets. CalPrivate Bank also reported a total capital ratio of 14.86% for , and a tier 1 leverage ratio of 11.52%.
The available-for-sale portfolio of CalPrivate Bank showed an unrealized loss of $8.9 mn at ; the loss narrowed by $132,000 over the year.
CalPrivate Bank: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 12%
CalPrivate Bank: unrealized securities gains and losses
- Available for sale -$9mn
- Held to maturity $0
Profitability and loan quality
For the year to , CalPrivate Bank earned a return on equity of 18.54%; return on assets: 2.02%. Net interest margin at CalPrivate Bank: 5.22%, +0.29 pp in a year. CalPrivate Bank net income: $26.7 mn, up 22.3% year on year. The efficiency ratio of CalPrivate Bank was 44.38%: about 44 cents cost per revenue dollar, against 56 cents at the median peer.
At , noncurrent loans were 1.26% of total loans at CalPrivate Bank; net charge-offs: 0.08% of average loans. Gross loans and leases at CalPrivate Bank: $2.1 bn, up 2.0% in a year.
CalPrivate Bank: profitability
- Return on equity 19%
- Net interest margin 5.2%
- Return on assets 2.0%
Peer group of CalPrivate Bank
The peer group of CalPrivate Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 4 share the charter type of CalPrivate Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in California. Against them, CalPrivate Bank shows CET1 ratio 13.61% against a peer median of 13.13%, return on equity 18.54% against a peer median of 11.98% and uninsured deposit share 56.48% against a peer median of 34.16%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Pinnacle Bank | State nonmember bank | TX | $2.7 bn | 14.07% | 10.81% | 29.57% | |
| Tradition Capital Bank | State nonmember bank | MN | $2.7 bn | 10.32% | 10.98% | 45.41% | |
| Planters Bank & Trust Company | State nonmember bank | MS | $2.7 bn | 15.29% | 11.63% | 38.75% | |
| CalPrivate Bank | State nonmember bank | CA | $2.7 bn | 13.61% | 18.54% | 56.48% | |
| Beverly Bank & Trust Company | National bank | IL | $2.7 bn | 11.43% | 15.97% | 27.51% | |
| INB | National bank | IL | $2.7 bn | 12.19% | 12.75% | 18.23% | |
| Interaudi Bank | State nonmember bank | NY | $2.7 bn | 18.12% | 12.32% | 57.15% | |
. FDIC Call Reports.
Last eight quarters
Two years at CalPrivate Bank, to : assets +13.5%, deposits +13.0%, equity +30.8%. Staff 220 to 247; offices 6 to 7.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.4 bn | $2.4 bn | $2.5 bn | $2.5 bn | $2.6 bn | $2.5 bn | $2.7 bn | $2.7 bn |
| Total deposits | $2.1 bn | $2.1 bn | $2.2 bn | $2.2 bn | $2.3 bn | $2.2 bn | $2.4 bn | $2.4 bn |
| Bank equity capital | $228.8 mn | $237.9 mn | $249.4 mn | $260.8 mn | $271.3 mn | $277.3 mn | $288.5 mn | $299.4 mn |
| CET1 ratio | 11.12% | 11.29% | 11.75% | 12.12% | 12.56% | 12.64% | 12.95% | 13.61% |
| Return on equity (ROE) | 16.40% | 17.09% | 18.01% | 17.53% | 16.73% | 16.37% | 17.62% | 18.54% |
| Uninsured share of domestic deposits | 49.46% | 48.68% | 51.91% | 52.60% | 53.06% | 52.20% | 56.68% | 56.48% |
| Full-time equivalent employees | 220 | 223 | 228 | 243 | 242 | 240 | 252 | 247 |
| Number of offices | 6 | 6 | 6 | 6 | 6 | 7 | 7 | 7 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by CalPrivate Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of CalPrivate Bank?
CalPrivate Bank reported $2.7 bn at in its Call Report. That makes CalPrivate Bank the 469th largest of 497 banks in our US coverage.
Is CalPrivate Bank the same as its holding company?
No. This page covers CalPrivate Bank, FDIC certificate 58291; PRIVATE BCORP OF AMERICA INC (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is CalPrivate Bank profitable?
CalPrivate Bank reported net income of $26.7 mn for the year to ; annualized return on equity: 18.54%. So yes: CalPrivate Bank made a profit over these months.
When is data for CalPrivate Bank next updated?
Figures from CalPrivate Bank for are due after .
Where can I check the figures for CalPrivate Bank?
In the FDIC BankFind Suite record for certificate 58291, and in the Call Reports of CalPrivate Bank (RSSD ID 3545258) at the FFIEC Central Data Repository.