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California Pacific Bank

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2025-Q4QoQ +4

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

Quarterly Headline

2025-Q4

Bank #50461 2025-Q4 Vital Signs Score: 78/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. risk
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 131.0% (threshold 100%).
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 18.33% (govt-guarantees stripped).
  3. info
    ALLL / NPL below 50%
    Reserves — Coverage 44.4% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2025:
↑ +4 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↑ +16
  • Reserves
    ↑ +1

The five pillars

Liquidity

Strong
80
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 131.0%, cash 13.9% of assets.

Cash / Assets
13.90%
Loans / Deposits
131.01%
Brokered %
0.00%

Watch Items

  • riskLoans / Deposits above 100% — Loans/Deposits 131.0% (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 43.20%, CET1 43.20%, leverage 41.17%.

Tier 1 RBC
43.20%
CET1
43.20%
Leverage
41.17%
No watch items at this period.

Asset Quality

StableQoQ +16
63
Sub-score

Asset quality is stable: Adjusted NPL 18.33%, Texas Ratio 28.6%, NCO YTD 0.00%.

Adjusted NPL
18.33%
Govt-guarantees stripped
Texas Ratio
28.6%
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

  • riskAdjusted NPL above 2% — Adjusted NPL 18.33% (govt-guarantees stripped).

Reserves

WatchQoQ +1
40
Sub-score

Reserves are deteriorating: ALLL 7.52% of loans, coverage 44.4%, true coverage 44.4%.

ALLL / Loans
7.52%
Coverage
44.4%
True Loss Coverage
44.4%

Watch Items

  • infoALLL / NPL below 50% — Coverage 44.4% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 44.4% (Adjusted NPL + Performing Mods denominator).

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