California Pacific Bank
Hayward, CA
IDRSSD: 50461
Total Assets
$98.23M
Latest filing
Total Deposits
$55.80M
Latest filing
Net Interest Margin
6.92%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
California Pacific Bank
24301 Southland Dr
Hayward, CA 94545
Full Service - Brick and Mortar
Updated 11/14/2025Established 10/16/1980FDIC Certificate 16289
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| California Pacific Bank (Main) | 24301 Southland Dr | Hayward, CA |
| FREMONT BRANCH | 194 Francisco Ln | Fremont, CA |
Showing 1 of 1
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 10/16/1980 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 94545 |
| State and County Number | 06001 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | San Francisco-Oakland-Berkeley, CA |
Operational Info
| Number of Employees | 10 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/21/2025 |
| Date of Deposit Insurance | 10/16/1980 |
| Primary Insurance Agency | DIF |
| Website | www.calpacificbank.com |
| Data Updated | 11/14/2025 |
| CERT | 23242 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $98.23M |
| Total Deposits | $55.80M |
| Total Liabilities | $57.03M |
| Total Equity Capital | $41.20M |
| Net Income | $628.00k |
| Net Loans and Leases | $68.97M |
| Assets Per Employee ($Millions) | $9.82M |
| Bank Premises and Fixed Assets | $630.00k |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $55.80M |
Key Performance Ratios
| Return on Assets (ROA) | 2.56% |
| Return on Equity (ROE) | 6.14% |
| Net Interest Margin | 6.92% |
| Efficiency Ratio | 45.06% |
| Tier 1 Risk-Based Capital Ratio | 45.076% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 41.94% |
| Earning Assets to total Assets | 92.91% |
Income and Expense
| Total Interest Income | $1.87M |
| Total Noninterest Income | $70.00k |
| Total Interest Expense | $289.00k |
| Total Noninterest Expense | $744.00k |
| Net Interest Income | $1.58M |
| Pre-tax Net Operating Income | $907.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $3.09M |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $5.00M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.23M |
| Total Liabilities and Capital | $98.23M |
Securities
| Securities | $0 |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of California Pacific Bank?
$98.23M as of the latest filing.
How much are California Pacific Bank's total deposits?
$55.80M in total deposits.
Where is California Pacific Bank located?
Hayward, CA.
What is the Net Interest Margin?
6.92%.
How many domestic offices does it operate?
2.
When was it established?
10/16/1980.
What is the Return on Assets (ROA)?
2.56%.
How much are total loans and leases?
$68.97M (latest filing).
What is the total interest income (latest filing)?
$1.87M.