# CALPRIVATE BANK
LA JOLLA, CA · FDIC certificate 58291 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $2.71B | |
| Deposits | $2.38B | |
| Loans and leases | $2.13B | |
| Total equity | $299.4M | |
| Loans / deposits | 88.17% (p53 of band) | 87.10% |
| Liquid assets / assets | 20.01% (p45 of band) | |
| Uninsured deposits / deposits | 56.48% (p94 of band) | 30.76% |
| Brokered deposits | 1.82% | |
| Wholesale funding | 2.12% (p30 of band) | |
| FHLB advances / assets | 0.30% | |
| Tier 1 leverage | 11.52% (p70 of band) | 10.50% |
| Unrealized securities loss / equity | -2.97% (p75 of band) | -7.75% |
| AOCI / equity | -0.45% (p38 of band) | |
| ROA (annualized) | 2.02% (p89 of band) | 1.26% |
| Net interest margin | 5.22% (p96 of band) | 3.70% |
| Efficiency ratio | 44.38% (p12 of band) | |
| Noncurrent loans | 1.26% (p79 of band) | 0.51% |
| Net charge-offs (annualized) | 0.06% (p66 of band) | |
| Reserve coverage of noncurrent | 113.26% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 16.70% (p14 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $26.5M (9% of equity) (p86 of band) | |
| Deposits YoY | 10.1% | |
| Employees | 247 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | loans exceed deposits |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | loans exceed deposits |
| 2012-03 | 2 | reserve under noncurrent |  |
| 2012-06 | 0 |  | capital falling, reserve under noncurrent |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2015-03 | 1 |  | loans exceed deposits |
| 2015-06 | 3 | loans exceed deposits, capital falling |  |
| 2015-09 | 2 |  | capital falling |
| 2015-12 | 4 | uninsured deposits >50%, run vulnerability |  |
| 2016-03 | 2 |  | uninsured deposits >50%, run vulnerability |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 5 | uninsured deposits >50%, capital falling, run vulnerability |  |
| 2017-03 | 2 |  | wholesale funding >15%, loans exceed deposits, run vulnerability |
| 2017-06 | 4 | loans exceed deposits, wholesale funding >15%, run vulnerability | capital falling |
| 2017-09 | 1 |  | loans exceed deposits, wholesale funding >15%, run vulnerability |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | capital falling |
| 2018-09 | 2 | loans exceed deposits |  |
| 2018-12 | 3 | capital falling, run vulnerability | loans exceed deposits |
| 2019-03 | 3 |  |  |
| 2019-06 | 4 | loans exceed deposits, wholesale funding >15% | capital falling |
| 2019-09 | 6 | brokered >10%, losing money, charge-offs p90 | loans exceed deposits |
| 2019-12 | 7 | loans exceed deposits, capital falling | losing money |
| 2020-03 | 4 |  | run vulnerability, charge-offs p90, loans exceed deposits |
| 2020-06 | 3 | run vulnerability | wholesale funding >15%, brokered >10% |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 1 |  | run vulnerability |
| 2021-03 | 2 | run vulnerability |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | capital falling |  |
| 2022-12 | 4 | brokered >10% |  |
| 2023-03 | 5 | loans exceed deposits, wholesale funding >15% | brokered >10% |
| 2023-06 | 3 | uninsured deposits leaving | capital falling, loans exceed deposits, wholesale funding >15% |
| 2023-09 | 3 | brokered >10%, wholesale funding >15% | uninsured deposits >50%, run vulnerability |
| 2023-12 | 2 |  | uninsured deposits leaving |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | wholesale funding >15% |
| 2024-09 | 0 |  | brokered >10% |
| 2024-12 | 0 |  |  |
| 2025-03 | 2 | uninsured deposits >50%, run vulnerability |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 4 | noncurrent p90, reserve under noncurrent |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 3 |  | noncurrent p90 |
| 2026-06 | 1 |  | run vulnerability, reserve under noncurrent |

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

- 2025-11-18 [CalPrivate Bank Opens Montecito Branch in Upper Village - Montecito Journal](https://news.google.com/rss/articles/CBMiogFBVV95cUxPZTlGUm5ya0tlV2tmX1ZIWkNRVkY3MVE5YTV0QVNnUzJWX0hnb3F1bGxHRUYzVjhoY2hXVFFpbVEwbEFsLWJOVG14TFAweGdYclFLa1ctVDRfZXA4Y1JpcUFvUG5QTXVaYmpJMEFXX3dLdDVGVG1nS2pnWUJHWGZTcDd0dC10Y1o2MktURnFyLTNtSmw4ZFFLNXg4T2RrLVRxNHc?oc=5) · Montecito Journal
- 2026-07-06 [Patriot Bank Opens Flagship California Location in Beverly Hills with $100MM+ in Deposits - ABF Journal](https://news.google.com/rss/articles/CBMitgFBVV95cUxOS2U1dnhnZFhFWHF5aS1zbXRQQ1VuVk9kb1IwWkxBMGkyUWxub0dZdVk5TEozZ09RZjVKTVd0VFVvVjJORFJOajJxaVczMnZWSEgyQ2JIeTdCenhWSTNNZ3lTR0tuWUpjb1lOS2FJMjRVVm9fODl3dGFZTExsSUo3OEF2VkxqaXc5Z19XQVUwSTVCSFhqZ25zbUd2MFd4aUZONE9meF95WU1GdnN3YWp1emJWNkwzQQ?oc=5) · ABF Journal
- 2025-07-11 [The 20 top-performing banks with $2B to $10B of assets - American Banker](https://news.google.com/rss/articles/CBMilwFBVV95cUxPS0NEYTZFeXRleUhoXzViMmtzQVBWX2xhVVI3aXQwT2N4c056SGF0dzBKbG9uWjlPTXRBcEFNT19XN1JDQmZFZ2ZZLWd1cjVqNEJYOXhuQkJJVzBuY1RubG9HRy10M1o1N0M5THY4REtaaW40WVBQWHJfS2dfNHJFdFVwajVROVVKSEtWQ0YxS0Rjd2tZU2JF?oc=5) · American Banker
- 2025-04-25 [Private Bancorp (PBAM) Stock Price, News & Analysis - Stock Titan](https://news.google.com/rss/articles/CBMiU0FVX3lxTE5KUjRJVVFXT3NmU2VPQUJlMVVUZ29BR3hJdTJVdHl4SUVKWVdIVFdERmROaDNWQWxCYmI0cGpBRnpwVW5HNkJCOE9OYklncXVaOUgw?oc=5) · Stock Titan
- 2026-07-07 [CalPrivate Bank Appoints Robert Tidd as General Counsel - The Globe and Mail](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQSy00cl93cDBpT1hwYUhtMk5RWC1tVThKdWpNX1FHeXJ2VVFyQU9xb3NtVHZEbTkwMHF2TWRHRVYzV2NSMVIwd3ZwSGEtblg1REc5dk1udzlPUzkwRWRCQUFmdHRKY1RydE90cWd6bE5ESDhOcHRaa0ROR2hpVkhSSTFpVk5oWFNscEFPQTBfWVppbndRUGg4MUl4U2xrdktNM29kU09nOWtxUmNvV2ZnZTc5Zzg4VUpZMTJUVmhDTHk5WjJVX1ItZDV2SDJ4YmJWRkw4RElNaGg?oc=5) · The Globe and Mail
- 2025-05-20 [Top 100 Bankers | Event Recap - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiogFBVV95cUxOMEpRRWhGbmxZUzREc1RYRk91Y3NKU1g2YUM1MzJmanJidHhKUDI2dVQwbDRJQldVX3J1dFNZUkl1U0lHdXlIb3Qydk5hbTd5RnExSHk1MUQ4allxVjU4VFUtTExvUnJaN3h4S1Roa3JGNGI0Q0hNaUxXYW0xQjUxU2gxenh4eEcxcHZaSGc5cW4zWU5VeUZod016SDRUSmZRR2c?oc=5) · Los Angeles Business Journal
- 2021-12-31 [Richard Pimentel Joins Community West Bancshares and Community West Bank as Chief Financial Officer - Yahoo Finance](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQQmpiakRXdGE4T1FBcXgtYnYtclJVSkVPN1FQZ2tvSWVGdjdaZFZWYlhtUGNtVklZYnhZdm15ZUhIOXhpRGxVaFh3Z1pCNjg3X3FZLUVqT3dvajF0U2N6N25yb0d0QWRrMmVEbWc3RVpIRGlUSlhXYlVXRC1MTUdjX1FvX0F6SGk3WGZ3?oc=5) · Yahoo Finance
- 2025-09-26 [A Taste Of Coronado VIP Experience Returns, Oct. 8 - Coronado Eagle & Journal](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQOUpiVHA5RGp4SWg3RldqVFlIRF9vbzM2OG1SV2dhXzV4Y2F0WmZ1TWtncHJ0cVI3aHNud1F0bHpmWWpTaThYbTRvRG1zOENDYWxXV3E3a1NpQTVqMGdZNFUwSXNUWnN3SlM2RHNZVjBUMmg5cmxVZW9lN0QycDJTdTRFZTc4WlBGNDUwdGdjYVVkM3c2OEgtdjBrY1QxdjVfQmNPcDFvWk1sVmNXMkE1VDFidWNKT0J5TElBR0gwOHY2SHlmQzVURWhTQVdZeWdoRmR3cVB2ZHM1SElhWTRyQzN2VkU2Q2R2MVJnOVpjbGJvTkE?oc=5) · Coronado Eagle & Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58291 (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/51.json (key "58291", 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