# CALIFORNIA BUSINESS BANK
IRVINE, CA · FDIC certificate 58037 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $130.5M | |
| Deposits | $108.4M | |
| Loans and leases | $94.4M | |
| Total equity | $17.5M | |
| Loans / deposits | 85.66% (p72 of band) | 73.59% |
| Liquid assets / assets | 27.92% (p38 of band) | |
| Uninsured deposits / deposits | 31.66% (p85 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.30% (p61 of band) | |
| FHLB advances / assets | 2.30% | |
| Tier 1 leverage | 14.46% (p74 of band) | 11.76% |
| Unrealized securities loss / equity | -1.91% (p71 of band) | -6.57% |
| AOCI / equity | -1.37% (p20 of band) | |
| ROA (annualized) | 0.72% (p26 of band) | 1.17% |
| Net interest margin | 4.22% (p65 of band) | 3.93% |
| Efficiency ratio | 86.88% (p87 of band) | |
| Noncurrent loans | 0.55% (p57 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 286.60% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 28.39% (p63 of band) | |
| Auto loans | $424,000 (0.45% of loans; DQ 1.42%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 15.0% | |
| Employees | 18 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 5 | noncurrent p90, charge-offs p90 |  |
| 2011-09 | 7 | leverage <7%, capital falling |  |
| 2011-12 | 7 |  |  |
| 2012-03 | 10 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 10 | leverage <5% | reserve under noncurrent, noncurrent p90 |
| 2012-09 | 10 |  |  |
| 2012-12 | 10 |  |  |
| 2013-03 | 9 |  | charge-offs p90 |
| 2013-06 | 10 | noncurrent p90 |  |
| 2013-09 | 6 | charge-offs p90 | leverage <7%, capital falling, leverage <5%, noncurrent p90 |
| 2013-12 | 6 |  |  |
| 2014-03 | 4 | loans exceed deposits | assets shrinking, uninsured deposits leaving, charge-offs p90 |
| 2014-06 | 3 |  | deposits shrinking |
| 2014-09 | 5 | capital falling, uninsured deposits leaving |  |
| 2014-12 | 4 |  | uninsured deposits leaving |
| 2015-03 | 6 | noncurrent p90, reserve under noncurrent |  |
| 2015-06 | 8 | deposits shrinking, assets shrinking |  |
| 2015-09 | 4 |  | loans exceed deposits, noncurrent p90, reserve under noncurrent, deposits shrinking |
| 2015-12 | 3 |  | assets shrinking |
| 2016-03 | 4 | charge-offs p90 |  |
| 2016-06 | 5 | NIM <2.5% |  |
| 2016-09 | 3 |  | capital falling, charge-offs p90 |
| 2016-12 | 3 | loans exceed deposits | NIM <2.5% |
| 2017-03 | 5 | wholesale funding >15%, deposits shrinking |  |
| 2017-06 | 6 | assets shrinking |  |
| 2017-09 | 4 |  | deposits shrinking, assets shrinking |
| 2017-12 | 5 | capital falling |  |
| 2018-03 | 5 |  |  |
| 2018-06 | 4 |  | capital falling |
| 2018-09 | 5 | deposits shrinking |  |
| 2018-12 | 6 | assets shrinking |  |
| 2019-03 | 6 |  |  |
| 2019-06 | 6 |  |  |
| 2019-09 | 5 |  | deposits shrinking |
| 2019-12 | 5 |  |  |
| 2020-03 | 4 | capital falling | loans exceed deposits, assets shrinking |
| 2020-06 | 5 | uninsured deposits leaving |  |
| 2020-09 | 5 |  |  |
| 2020-12 | 4 |  | capital falling |
| 2021-03 | 4 | loans-to-lenders >50% equity | uninsured deposits leaving |
| 2021-06 | 2 |  | losing money, wholesale funding >15% |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | expense ratio p90 |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | loans-to-lenders >50% equity |
| 2022-09 | 0 |  |  |
| 2022-12 | 2 | assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 3 | deposits shrinking |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | uninsured deposits leaving |
| 2023-12 | 3 | charge-offs p90 |  |
| 2024-03 | 3 | uninsured deposits leaving | charge-offs p90 |
| 2024-06 | 0 |  | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2024-09 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2024-12 | 3 | loans exceed deposits |  |
| 2025-03 | 1 |  | noncurrent p90, loans exceed deposits |
| 2025-06 | 2 | capital falling |  |
| 2025-09 | 1 |  | reserve under noncurrent |
| 2025-12 | 1 | reserve under noncurrent | capital falling |
| 2026-03 | 0 |  | reserve under noncurrent |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-27 [OC’s Top 15 Banks Show Slight Dip in Assets - Orange County Business Journal](https://news.google.com/rss/articles/CBMifEFVX3lxTE5yb21IMVI0U0lLeVNMT2Fub0V0NDFnQU4xaG0tQU9Oc0ZhblBqb2JkZVUwdGl5MU12bGUyWmRPbDNtWUpTY0dFVG52Z0k4UlFlZWRpRU5Sa25KNm1WWXhZdkZYNzdkQUR3Y1JvcWYxcWtvb0tyMXRURF9lM0Y?oc=5) · Orange County Business Journal
- 2025-12-17 [CVB Financial Corp. and Heritage Commerce Corp Announce Agreement to Merge - GlobeNewswire](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOTVl5Vlh1NWJJT2FtckFVT21ucFhXdi1wWFRJZHhDMldONkJYM0ZsUENRR3dLUFk4bGVUV1AtdGY1Q19LLUpPNFZSUjBfQXNhSGxpejVFMUdFcGVUT0FUa25GY3FYQTJiVVRwMDQ2U3dNTFRCeGpscG5BR18wQ0NSZHFLQzhRZk9YckhmTW9wdFVqMjhKTlBQVjFTSzB1eVZJNVo5clFmbGRwTlhnOE1EeUpKY1ZxY1cta3JnR2pLbWxhNk1HQWpja2V1QmxkMl9QeHhneDZfZjFKbld2Tnc?oc=5) · GlobeNewswire
- 2019-02-18 [Fast-growing California business bank establishes toehold in Arizona - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOM0szclNibnBqQ09ITUpVSXBUOWZpZ095ckNnUzduOGlRMmlsSmZCaS1yUWZVaXFoQXZtZktYZzJmVmo5WWl3T0JMbGR4QmR2VkZHNUgtZU1tWTQ4emZxUFpPdmE1bHNmRjJiU0ZBT1YxdlhUTzBXT0p5UldDcUEycUFINHhvV2JXOU8zbEdhc0twSUhFUDIwWS1zMnJqX0RGTE9pbUY1ZDZhZw?oc=5) · The Business Journals
- 2026-09-09 [Interlink Congratulates LA Knight Riders on Historic First US MLC Championship - Yahoo! Finance Canada](https://news.google.com/rss/articles/CBMikwFBVV95cUxNdHJZMXV0cHdFeklfN3BISHVaeFBjcG5IcGVfWEQzclVOTmtHX28zUlc3d2tpNnA3czAwMjRHdlBwVVI3bTR2SlZIcVdXM2d2QXZjQ0VhTWZEQkxONlYxLVdIWkpXdWl6Ylh6dTFTcEVXelhPMEM3SEsxblUyT2c0cW1CRXRicnpyUG5QaHFtejNudjQ?oc=5) · Yahoo! Finance Canada
- 2026-08-12 [Interlink Group congratulates LA Knight Riders on MLC title - The American Bazaar](https://news.google.com/rss/articles/CBMisAFBVV95cUxPU1pveURFWWpmOC05Qi1xYkhhTEM1Z3psemFUNUdfZExXbmg4VDBqN2FmZmNhalMzSEI4QnVmdnd1R3huZC1jMUFwaXlEWXNlUzBhYU9wQU4xeWdYUU1MeFI0Rkt1emprNlZlVTRiSHYxeWZKUVk4TkI1ckNQSnBpbHA3em5zWUxKTVZtM1RlUEtfRW1PV1g3VXg0Y0VKYU9pZTd3Qk00eVZtTG1UOUtiUA?oc=5) · The American Bazaar
- 2011-07-17 [Investment Officer Buys Into Running His Own Firm - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNYXJ3VnVRRGc5cTZKSmpFX0toUFNJUF9uQ2FTY3VrNFNZUE9qbURjQ1Q1TTRWendQZ3VnNEtXSnphdVBSQ1lFSlZOUjEwLThDNmxnX2N5S2IwaF80eVE5NmRlX3hrSWRVS05aSXNIMnFhWTJNR2s2b0tQb21oM1hrd1Ytbl96aV94Ti0w?oc=5) · Los Angeles Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58037 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/53.json (key "58037", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide