CalPrivate Bank
La Jolla, California, San Diego County
$2.7B in total assets, the 487th largest of 4,309 US banks and 38th of 120 headquartered in California.
- FDIC certificate
- 58291
- Established
- 2006
- Owned by
- Private Bcorp Of America Inc
- Primary regulator
- FDIC
- Website
- www.calprivate.bank
At a glance
Compared with 51 banks headquartered in California with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.7B | 47% | $2.9B | |
| Loans | $2.1B | 55% | $1.8B | |
| Deposits | $2.4B | 53% | $2.3B | |
| Return on assets | 1.83% | 88% | 1.21% | |
| Net interest margin | 5.22% | 98% | 3.80% | |
| Efficiency ratio | 44.4% | 24% | 54.4% | |
| Equity to assets | 11.06% | 39% | 11.37% | |
| Loans to deposits | 89% | 50% | 89% |
Growth
Total assets grew 14.4% a year over the last 5 years and 18.8% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Dec 2014 | First Security Business Bank Orange, CA | $62M |
| Apr 2013 | San Diego Private Bank La Jolla, CA | $132M |
| Nov 2011 | Coronado First Bank Coronado, CA | $80M |
Where they operate
7 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| San Diego County, CA | $1.2B | 0.9% | 13 of 42 |
| Los Angeles County, CA | $626M | 0.1% | 44 of 91 |
| Orange County, CA | $551M | 0.3% | 31 of 73 |
| Santa Barbara County, CA | $9M | 0.1% | 20 of 20 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 3 branches since 2016 (4 to 7, +75.0%). 4 opened, 0 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 4 | |||
| 2017 | Opened Beverly Hills and Newport BeachClosed Irvine | 2 | 1 | +1 | 5 |
| 2019 | Opened El Segundo | 1 | 0 | +1 | 6 |
| 2025 | Opened Montecito | 1 | 0 | +1 | 7 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 56% | 47% | |
| Business (C&I) | 21% | 15% | |
| 1-4 family residential | 10% | 14% | |
| Multifamily | 9% | 13% | |
| Construction and land | 2% | 3% | |
| Consumer | 0% | 2% | |
| Farmland | 0% | 2% | |
| Other | 2% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 61% | 48% | |
| Noninterest-bearing | 28% | 29% | |
| Time deposits | 11% | 23% |
Brokered deposits are 2.1% of deposits (peers 4.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.26% | 0.43% |
| Net charge-offs, annualized | 0.08% | 0.05% |
| Reserves to loans | 1.43% | 1.25% |
| Leverage ratio | 11.52% | 11.65% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in California
Largest competitors in San Diego County, CA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/calprivate