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California Business Bank

$100M-$1B Specialty: Commercial CA FDIC cert 58037

Designations: ✓ Minority Depository Institution

Irvine, CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
  • Deposits +15.0% year over year ($108.4M on the books).
  • Delinquency rate 0.55%.
  • Return on assets 0.72%.
  • Efficiency ratio 86.88% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.66% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 53 in CA
View $100M-$1B leaderboard (CA) →

California Business Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 37.4% in tier
  • + Net Interest Margin 0.23% above tier average
  • + Delinquency Rate 0.36% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 29.9% in tier
  • - Efficiency Ratio 22.40% above tier average
  • - ROA 0.61% below tier average
Get updates when California Business Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $130.5M
+13.0% YoY +6.7% QoQ
-$256.1M $386.6M
+1.2% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
Bottom 8.3% in tier
Total Loans ? $92.9M
+4.4% YoY -1.4% QoQ
-$165.5M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
16%
Total Deposits ? $108.4M
+15.0% YoY +8.0% QoQ
-$218.3M $326.7M
+0.7% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
Bottom 8.1% in tier
Return on Assets ? 0.72%
+41.9% YoY -2.0% QoQ
-0.61% 1.32%
+10.8% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
20%
Net Interest Margin ? 4.22%
+3.9% YoY +2.5% QoQ
+0.23% 3.99%
+5.0% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
66%
Efficiency Ratio ? 86.88%
-4.1% YoY +0.2% QoQ
+22.40% 64.48%
-3.2% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
Bottom 7.8% in tier
Delinquency Rate ? 0.55%
-70.7% YoY +11.6% QoQ
-0.36% 0.92%
+15.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
44%
Loan-to-Deposit Ratio ? 85.66%
-9.3% YoY -8.8% QoQ
+7.71% 77.95%
+1.0% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
36%
Non-Interest-Bearing Deposit Share ? 32.12%
+5.8% YoY -9.4% QoQ
+10.09% 22.03%
-0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Top 14.2% in tier
Nonperforming Asset Ratio ? 0.39%
-73.0% YoY +3.1% QoQ
-0.27% 0.67%
+16.4% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
45%
Tier 1 Capital Ratio ? 19.75%
+9.3% YoY +2.8% QoQ
+3.84% 15.91%
+1.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
Top 14.3% in tier
Non-Interest Income / Assets ? 0.75%
-5.0% YoY +80.0% QoQ
+0.18% 0.57%
+7.6% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
Top 5.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Noninterest-Bearing 32.1%
+1.8pp YoY
-3.3pp QoQ
 +10.0pp 22.1% 25.5% 22.2% 86%
Brokered Deposits n/a n/a 7.9% 11.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 31.5%
+4.7pp YoY
-2.1pp QoQ
 +19.9pp 11.6% 11.8% 12.5% 96%
CRE 69.5%
-4.5pp YoY
+2.3pp QoQ
 +29.9pp 39.5% 67.5% 41.4% 93%
1-4 Family 0.2%
0.0pp YoY
0.0pp QoQ
 -32.4pp 32.6% 16.5% 31.3% 0%
Consumer 0.5%
-0.4pp YoY
-0.1pp QoQ
 -3.7pp 4.1% 5.3% 5.0% 15%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 19.8%
+1.7pp YoY
+0.5pp QoQ
 +0.9pp 18.8% 23.7% 19.7% 77%
Leverage Ratio 14.5%
-0.8pp YoY
-0.3pp QoQ
 +2.3pp 12.2% 14.5% 12.6% 84%
Total Capital Ratio 21.0%
+1.7pp YoY
+0.5pp QoQ
 +1.1pp 19.9% 25.1% 20.8% 77%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 18
+3 (+20.0%) YoY
+3 (+20.0%) QoQ
 -41 58 337 482 8%
Assets per Employee ($) $7.2M
-5.8% YoY
-11.0% QoQ
 -$270K $7.5M $11.3M $8.8M 56%
Branch Count 1
0 YoY
0 QoQ
 -4 4 15 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual 0.6%
-1.3pp YoY
+0.1pp QoQ
 -0.4pp 0.9% 1.4% 1.0% 56%
Allowance Coverage 2.87x
+202.8% YoY
-7.3% QoQ
 -21.29x 24.15x 17.11x 20.23x 57%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.3% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 5.1%
+1.8pp YoY
0.0pp QoQ
 -7.1pp 12.2% 8.2% 11.6% 14%
Cost of Funds (YTD) 2.0%
+0.2pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.9% 1.7% 73%
Net Income ($, YTD) $447,000
+60.2% YoY
— QoQ
 -$2.1M $2.6M $28.5M $40.4M 10%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#248 of 661 • Top 37.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.75%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 0.72%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk
#223 of 742 • Bottom 29.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 19.75%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 85.66%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

140
Non-Interest Income / Assets
revenue_mix
Value: 0.75%
Peer Median: 0.57%
#140 of 2643 Top 5.3% in $100M-$1B
377
Non-Interest-Bearing Deposit Share
funding
Value: 32.12%
Peer Median: 22.03%
#377 of 2643 Top 14.2% in $100M-$1B
380
Tier 1 Capital Ratio
capital
Value: 19.75%
Peer Median: 15.91%
#380 of 2643 Top 14.3% in $100M-$1B

Top Weaknesses (5 metrics)

2437
Efficiency Ratio
profitability
Value: 86.88%
Peer Median: 64.48%
#2437 of 2643 Bottom 7.8% in $100M-$1B
2430
Total Deposits
size
Value: $108.43M
Peer Median: $326.73M
#2430 of 2643 Bottom 8.1% in $100M-$1B
2424
Total Assets
size
Value: $130.47M
Peer Median: $386.57M
#2424 of 2643 Bottom 8.3% in $100M-$1B
2220
Total Loans
size
Value: $92.88M
Peer Median: $258.35M
#2220 of 2643 Bottom 16.0% in $100M-$1B
2126
Return on Assets
profitability
Value: 0.72%
Peer Median: 1.32%
#2126 of 2643 Bottom 19.6% in $100M-$1B
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