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California Pacific Bank

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

Vital Signs Report — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q1QoQ 0

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

Quarterly Headline

2025-Q1

Bank #50461 2025-Q1 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 154.3% (threshold 100%).
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 10.03% (govt-guarantees stripped).
  3. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 5.70%.

What changed this quarter

Compared to Q4 2024:
↑ 0 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +4
  • Reserves
    ↓ -5

The five pillars

Liquidity

Strong
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 154.3%, cash 12.9% of assets.

Cash / Assets
12.93%
Loans / Deposits
154.34%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 154.3% (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 49.27%, CET1 49.27%, leverage 47.12%.

Tier 1 RBC
49.27%
CET1
49.27%
Leverage
47.12%
No watch items at this period.

Asset Quality

WatchQoQ +4
49
Sub-score

Asset quality is deteriorating: Adjusted NPL 10.03%, Texas Ratio 14.2%, NCO YTD 0.00%.

Adjusted NPL
10.03%
Govt-guarantees stripped
Texas Ratio
14.2%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
5.70%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 10.03% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 5.70%.

Reserves

StableQoQ -5
66
Sub-score

Reserves are stable: ALLL 7.74% of loans, coverage 83.6%, true coverage 83.6%.

ALLL / Loans
7.74%
Coverage
83.6%
True Loss Coverage
83.6%
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