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California Pacific Bank

IDRSSD: 50461
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2024-Q2QoQ -14

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

Quarterly Headline

2024-Q2

Bank #50461 2024-Q2 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

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

Top 3 Watch Items

  1. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 12.18% (govt-guarantees stripped).
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 7.16%.
  3. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 115.0% (threshold 100%).

What changed this quarter

Compared to Q1 2024:
↓ -14 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -36
  • Reserves
    ↓ -35

The five pillars

Liquidity

Strong
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 115.0%, cash 27.2% of assets.

Cash / Assets
27.17%
Loans / Deposits
114.97%
Brokered %
0.00%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 115.0% (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 57.63%, CET1 57.63%, leverage 47.24%.

Tier 1 RBC
57.63%
CET1
57.63%
Leverage
47.24%
No watch items at this period.

Asset Quality

RiskQoQ -36
33
Sub-score

Asset quality is weak: Adjusted NPL 12.18%, Texas Ratio 13.8%, NCO YTD 0.00%.

Adjusted NPL
12.18%
Govt-guarantees stripped
Texas Ratio
13.8%
NCO YTD
0.00%
30-89 PD
3.58%
Band 0.3% / 3.0%
90+ PD
7.16%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 12.18% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 7.16%.

Reserves

StableQoQ -35
65
Sub-score

Reserves are stable: ALLL 8.99% of loans, coverage 81.2%, true coverage 81.2%.

ALLL / Loans
8.99%
Coverage
81.2%
True Loss Coverage
81.2%
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