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California Pacific Bank

IDRSSD: 50461
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
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
88
/ 100
StrongAs of 2023-Q4QoQ -12

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 #50461 2023-Q4 Vital Signs Score: 88/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (stable).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 132.9% (threshold 100%).
  2. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.61% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -12 ptscomposite
  • Liquidity
    ↓ -20
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -30
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -20
79
Sub-score

Liquidity is stable: brokered 1.6%, loans/deposits 132.9%, cash 18.4% of assets.

Cash / Assets
18.39%
Loans / Deposits
132.89%
Brokered %
1.63%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 132.9% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 55.60%, CET1 55.60%, leverage 46.49%.

Tier 1 RBC
55.60%
CET1
55.60%
Leverage
46.49%
No watch items at this period.

Asset Quality

StableQoQ -30
70
Sub-score

Asset quality is stable: Adjusted NPL 4.61%, Texas Ratio 5.8%, NCO YTD 0.00%.

Adjusted NPL
4.61%
Govt-guarantees stripped
Texas Ratio
5.8%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.61% (govt-guarantees stripped).

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 8.39% of loans, coverage 198.6%, true coverage 198.6%.

ALLL / Loans
8.39%
Coverage
198.6%
True Loss Coverage
198.6%
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: 2026-05-13 01:34:27 UTC