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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

Calprivate Bank

La Jolla, California · $2.71B in assets · beside the 11 other California banks between $1B and $3B

The filing

2.02%
ROA
2nd of 12
44.4%
Efficiency
2nd of 12
+2.0%
Loans, year over year
11th of 12, largest first

Calprivate Bank is the third largest of the 12 California banks nearest its size between $1B and $3B, with $2.71B in assets at 30 June 2026. Loans are 89.4% of deposits, 6th of 12 against a median of 89.7%, and equity is 11.1% of assets, 8th of 12. Loans grew +2.0% in the year, 11th of 12, and deposits grew 10.0%; the cohort's median loan growth is +6.3%.

Noncurrent loans are 1.26% of the book, 8th of 12 against a median of 0.58%; 0.04% is 30 to 89 days past due, and the allowance covers them 1.1 times. Commercial real estate is 39.3% of loans, 3rd of 12 against a median of 41.4%, and 252% of capital, below the 300% screen, with construction at 15% against the 100% screen.

Return on assets is 2.02%, 2nd of 12 against a median of 1.15%, on an efficiency ratio of 44.4%, 2nd of 12. Five years ago it was 1.38%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsCA banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 1.15% WC West Coast Community Bank 2.04% CB Calprivate Bank 2.02% PB Plumas Bank 1.79% MB Mission Bank 1.63% A Avidbank 1.37% OB Open Bank 1.20% CB Commonwealth Business Bank 1.11% OV Oak Valley Community Bank 1.11% ED El Dorado Savings Bank FSB 0.94% MB Montecito Bank & Trust 0.58% BS Beneficial State Bank 0.14% UB United Business Bank 0.12%
Loans, year over yearCA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +6.3% PB Plumas Bank +48.5% A Avidbank +16.3% BS Beneficial State Bank +15.7% MB Mission Bank +12.9% OB Open Bank +9.0% WC West Coast Community Bank +7.7% OV Oak Valley Community Bank +5.0% CB Commonwealth Business Bank +4.2% UB United Business Bank +3.7% MB Montecito Bank & Trust +3.7% CB Calprivate Bank +2.0% ED El Dorado Savings Bank FSB -5.8%

SBA 7(a), FY2008 to FY2026

Calprivate Bank is the 26th largest 7(a) lender into California of 512, with $616M across 540 loans, 0.9% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 15 of its 51 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
San Diego, CA$152M7th of 2382.8%-0.3 pts
Los Angeles, CA$145M35th of 3080.7%+0.5 pts
Orange, CA$83M26th of 2561.1%-2.0 pts
Riverside, CA$57M16th of 2191.6%-1.8 pts
San Bernardino, CA$41M25th of 2131.1%+0.4 pts
Alameda, CA$26M24th of 1791.1%-3.6 pts
Sacramento, CA$14M37th of 1700.6%-1.0 pts
Santa Clara, CA$13M41st of 1870.5%-0.8 pts
San Francisco, CA$13M27th of 1400.9%-2.4 pts
San Mateo, CA$10M27th of 1290.9%-0.8 pts
Contra Costa, CA$9M40th of 1540.6%-1.3 pts
Kern, CA$6M39th of 1290.6%+1.0 pts
El Dorado, CA$6M17th of 1011.7%-1.4 pts
38 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services89$94M14.7%0.12%147th of 2,596
Manufacturing55$78M12.2%0.20%89th of 2,246
Wholesale trade40$69M10.9%0.27%66th of 1,651
Retail trade60$65M10.2%0.11%151st of 2,589
Health care & social assistance66$65M10.2%0.14%107th of 2,172
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Calprivate Bank
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans CB Calprivate Bank 0.9% $616M · 540 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Calprivate BankRankCohort median
Total CRE against capital, the 300% screen252%4th of 12261%
Construction against capital, the 100% screen15%7th of 1214%
Construction and land development, share of loans2.3%7th of 122.3%
Non-owner-occupied nonfarm nonresidential, share of loans28.3%6th of 1228.5%
Total CRE, the guidance definition, share of loans39.3%3rd of 1241.4%
CRE growth over 36 months, the third prong+13.9%5th of 12+29.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
West Coast Community Bank$2.94B2.0%42.1%0.50%0.38%1.5%90.0%13.5%
Open Bank$2.75B1.2%55.8%2.09%0.01%1.2%96.2%9.6%
Calprivate Bank$2.71B2.0%44.4%1.26%0.08%1.4%89.4%11.1%
Avidbank$2.65B1.4%51.6%0.65%0.42%1.0%95.7%11.6%
United Business Bank$2.56B0.1%83.3%0.47%0.28%1.1%95.5%12.7%
El Dorado Savings Bank FSB$2.44B0.9%58.7%0.28%0.01%1.2%23.6%13.8%
Plumas Bank$2.28B1.8%51.3%1.55%0.06%1.3%80.1%12.4%
Beneficial State Bank$2.03B0.1%76.1%2.53%0.73%1.8%90.9%9.3%
Montecito Bank & Trust$2.02B0.6%81.2%0.17%0.02%1.0%80.2%9.3%
Mission Bank$2.01B1.6%45.1%0.02%0.32%1.4%86.6%11.4%
Oak Valley Community Bank$2.00B1.1%64.0%0.00%0.30%1.0%66.0%10.8%
Commonwealth Business Bank$1.97B1.1%56.7%1.88%0.00%1.1%91.6%14.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Calprivate BankCohort median
20212026Change20212026Change
Loans$1.18B$2.13B+80%$1.10B$1.54B+40%
Deposits$1.21B$2.38B+97%$1.43B$1.99B+39%
NPA / loans0.13%1.26%+1.13 pts0.22%0.58%+0.35 pts
Efficiency52.8%44.4%-8.5 pts55.2%56.2%+1.0 pts
ROA1.38%2.02%+0.64 pts1.11%1.15%+0.05 pts

This read was prepared for Calprivate Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Calprivate Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $1B to $3B
Institution www.calprivate.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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