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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-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q3QoQ +1

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

Quarterly Headline

2024-Q3

Bank #50461 2024-Q3 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 131.6% (threshold 100%).
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 14.27% (govt-guarantees stripped).
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 9.76%.

What changed this quarter

Compared to Q2 2024:
↑ +1 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +12
  • Reserves
    ↓ -13

The five pillars

Liquidity

Strong
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 131.6%, cash 14.1% of assets.

Cash / Assets
14.14%
Loans / Deposits
131.61%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 131.6% (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 48.89%, CET1 48.89%, leverage 43.82%.

Tier 1 RBC
48.89%
CET1
48.89%
Leverage
43.82%
No watch items at this period.

Asset Quality

WatchQoQ +12
44
Sub-score

Asset quality is deteriorating: Adjusted NPL 14.27%, Texas Ratio 19.6%, NCO YTD 0.00%.

Adjusted NPL
14.27%
Govt-guarantees stripped
Texas Ratio
19.6%
NCO YTD
0.00%
30-89 PD
0.91%
Band 0.3% / 3.0%
90+ PD
9.76%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 14.27% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 9.76%.

Reserves

WatchQoQ -13
52
Sub-score

Reserves are deteriorating: ALLL 8.24% of loans, coverage 62.9%, true coverage 62.9%.

ALLL / Loans
8.24%
Coverage
62.9%
True Loss Coverage
62.9%
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