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California Business Bank

IDRSSD: 3390337
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
90
/ 100
StrongAs of 2023-Q4QoQ -10

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #3390337 2023-Q4 Vital Signs Score: 90/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Strong

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 4.04% of loans.

What changed this quarter

Compared to Q3 2023:
↓ -10 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -24
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -11
88
Sub-score

Liquidity is strong: brokered 1.2%, loans/deposits 92.0%, cash 11.9% of assets.

Cash / Assets
11.94%
Loans / Deposits
92.03%
Brokered %
1.19%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 9.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
9.56%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 20.01%, CET1 20.01%, leverage 15.07%.

Tier 1 RBC
20.01%
CET1
20.01%
Leverage
15.07%
No watch items at this period.

Asset Quality

StableQoQ -24
76
Sub-score

Asset quality is stable: Adjusted NPL 1.30%, Texas Ratio 5.7%, NCO YTD 4.04%.

Adjusted NPL
1.30%
Govt-guarantees stripped
Texas Ratio
5.7%
NCO YTD
4.04%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • riskNet charge-offs elevated — NCO YTD 4.04% of loans.

Reserves

Strong
89
Sub-score

Reserves are strong: ALLL 1.92% of loans, coverage 150.8%, true coverage 150.8%.

ALLL / Loans
1.92%
Coverage
150.8%
True Loss Coverage
150.8%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 06:14:57 UTC