California Pacific Bank
Hayward, CA
IDRSSD: 50461
Total Assets
$97.16M
Latest filing
Total Deposits
$55.33M
Latest filing
Net Interest Margin
4.09%
Profitability
Key People
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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 01/30/2026Established 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
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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 | 01/30/2026 |
| CERT | 23242 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $97.16M |
| Total Deposits | $55.33M |
| Total Liabilities | $56.62M |
| Total Equity Capital | $40.55M |
| Net Income | $-650,000 |
| Net Loans and Leases | $72.49M |
| Assets Per Employee ($Millions) | $10.8M |
| Bank Premises and Fixed Assets | $603.00k |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $55.33M |
Key Performance Ratios
| Return on Assets (ROA) | -2.66% |
| Return on Equity (ROE) | -6.36% |
| Net Interest Margin | 4.09% |
| Efficiency Ratio | 84.87% |
| Tier 1 Risk-Based Capital Ratio | 43.198% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 2.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 41.731% |
| Earning Assets to total Assets | 93.22% |
Income and Expense
| Total Interest Income | $1.21M |
| Total Noninterest Income | $89.00k |
| Total Interest Expense | $276.00k |
| Total Noninterest Expense | $864.00k |
| Net Interest Income | $929.00k |
| Pre-tax Net Operating Income | $-346,000 |
| Provision for Credit Losses | $500.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| 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 | $1.28M |
| Total Liabilities and Capital | $97.16M |
Securities
| Securities | $0 |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$97.16M as of the latest filing.
How much are California Pacific Bank's total deposits?
$55.33M in total deposits.
Where is California Pacific Bank located?
Hayward, CA.
What is the Net Interest Margin?
4.09%.
How many domestic offices does it operate?
2.
When was it established?
10/16/1980.
What is the Return on Assets (ROA)?
-2.66%.
How much are total loans and leases?
$72.49M (latest filing).
What is the total interest income (latest filing)?
$1.21M.