California Bank & Trust

What California Bank & Trust does

California Bank & Trust is a regional banking franchise operating as a division of Zions Bancorporation, N.A. (NASDAQ: ZION), with roots in California dating to 1952 and a state-wide footprint anchored in San Diego, Southern California, and Northern California. The bank serves three primary segments: individual consumers, small-to-mid-size businesses, and high-net-worth individuals, through a multi-channel model that pairs physical branches with an omnichannel digital platform (online banking, mobile banking, Zelle, Apple Pay, Google Pay, and the Treasury Gateway for corporate customers). Its product portfolio spans consumer and commercial banking, including checking tiers (Anytime, Gold, OnBudget, Senior Advantage, Military Advantage), savings vehicles, a wide mortgage suite (FHA, VA, construction, jumbo, fixed/ARM, plus Affordable Home Loan and HELOC), consumer and commercial lending (auto, RV, personal secured/unsecured, business credit), and a tiered credit card lineup ranging from secured (Launch) to premium (Elite, Reserve).

Revenue is generated primarily through traditional banking mechanics: net interest income on personal, home, auto, and commercial loans; deposit-related fees and account servicing charges on checking, savings, money market, and CD products; credit card interchange, annual fees, and interest charges; and mortgage origination fees on a range of fixed- and adjustable-rate products. Commercial pricing is anchored by structured facilities such as the $40 million senior secured credit facility extended to Buyerlink in May 2026 and the $40 million financing arranged with HCAP Partners, St. Cloud Capital, and Southfield Mezzanine for Integrated Diagnostic Services' acquisition of Core Analytics Lab & Radiology in January 2026. Treasury Gateway serves the corporate segment with cash management and treasury services.

The distribution model is omnichannel: physical branches handle relationship banking and complex transactions, while digital channels handle high-volume consumer transactions and self-service. Community engagement — including sponsorships of the San Diego Football Club and Coachella Valley Firebirds, plus Money Smart financial literacy programming — functions as a top-of-funnel brand and customer acquisition channel. The institution carries FDIC insurance and Equal Housing Lender credentials, both of which function as regulatory entry barriers. A disclosed $50 million charge-off in October 2025 related to a CB&T-underwritten loan with alleged borrower misrepresentations represents the most prominent credit-quality signal, with implications for the parent franchise's risk governance narrative.

Name

California Bank & Trust

Legal name

Zions Bancorporation, N.A. (dba California Bank & Trust)

Website

https://calbanktrust.com

Company type

Public

Founded year

1952

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

California Bank & Trust is a Zions Bancorporation division providing consumer, small-business, and wealth banking across California via branches and digital channels, offering deposits, mortgages, and credit products.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industry

Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Retail banking services
• Commercial banking
• Consumer lending
• Wealth management
• Mortgage lending

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income: Traditional banking revenue from interest earned on loans including personal loans, home loans, auto loans, and commercial lending. The bank extends credit facilities to businesses and individuals.
2. Deposit-Based Fees: Fee income from checking accounts, savings accounts, money market accounts, and certificates of deposit. Includes overdraft fees, ATM fees, and account maintenance fees.
3. Credit Card Revenue: Income from credit card products including interchange fees, annual fees, and interest charges on outstanding balances.
4. Home Loan Origination: Revenue from mortgage origination including fixed rate mortgages, adjustable rate mortgages, FHA loans, VA loans, construction loans, and jumbo loans.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

California Bank & Trust is a regional bank providing deposit accounts (checking, savings, CDs, IRAs), consumer and commercial lending (auto, RV, personal, home equity, mortgage, business), credit cards, treasury management, and wealth management services to individuals and businesses across California. Banking is delivered through a combination of physical branches and a digital banking platform supporting online, mobile, bill pay, Zelle, and digital wallet services.

Product overview

California Bank & Trust is a regional banking division of Zions Bancorporation, N.A. offering a comprehensive suite of personal banking products and services. The portfolio includes multiple checking account options (Anytime Checking, Gold Account, OnBudget Banking, Senior Advantage Checking, Military Advantage Checking) and savings products (Personal Savings, Money Market Savings, IRA accounts, Young Savers, Certificates of Deposit with rates up to 3.55% APY). The bank provides diverse lending solutions including auto loans, personal loans (secured and unsecured), RV loans, home equity lines of credit, and residential mortgages (Fixed Rate, Adjustable Rate, FHA, VA, Construction, Jumbo, and Affordable Home Loan products). A full range of credit cards is offered across tiers from secured cards for credit-building (Launch Secured Card) through premium offerings (Elite, Reserve Credit Cards), including cash-back and rewards variants (Agility Cash Back, Clarity, Vivid Rewards, Premier). Digital banking services include online and mobile banking with Bill Pay, Zelle person-to-person payments, Digital Wire Transfers, Personal Direct Connect, and Digital Wallet functionality. The bank is FDIC insured and backs deposits with the full faith and credit of the U.S. Government.

Differentiator

Problem solved

Functional benefit

Products and services

• Anytime Checking
• Gold Checking Account
• OnBudget Banking
• Senior Advantage Checking
• Military Advantage Checking
• Personal Savings Account
• Money Market Savings
• Certificates of Deposit (CDs)
• IRA Money Market & IRA CDs
• Young Savers Account
• Auto Loans
• RV Loans
• Home Equity Line of Credit (HELOC)
• Personal Unsecured Loan
• Personal Line of Credit
• Personal Secured Loans
• Mortgage Loans
• Credit Cards
• Online & Mobile Banking
• Bill Pay
• Digital Wire Transfers & Personal Direct Connect
• Digital Wallet & Zelle
• eDocuments & Foreign Currency Services
• Business Banking Accounts
• Commercial Loans & Lines of Credit
• Commercial Real Estate Lending
• Equipment Financing & Leasing
• SBA Lending & USDA Lending
• Treasury Management & Merchant Services
• Treasury Gateway
• Wealth Management & Financial Planning

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Mechanics Bank: California-focused regional commercial bank formed through the merger of Mechanics Bank and Tri Counties Bank. Overlaps with CB&T in Northern and Southern California markets across SMB, commercial lending, and retail banking.
• CVB Financial (Citizens Business Bank): Ontario, California-based community commercial bank serving small and mid-size businesses across California. Highly comparable in product mix (business banking, commercial loans, treasury management) and customer profile to California Bank & Trust's middle-market franchise.
• East West Bank: California-headquartered commercial bank with deep Asian-American customer base and commercial lending focus. Directly competes with California Bank & Trust on small business, commercial real estate, and deposit products across the state.
• Pacific Premier Bancorp: California-headquartered regional bank focused on small-to-middle market businesses and commercial lending. Comparable deposit, lending, and treasury product set, with significant California branch overlap with California Bank & Trust.
• City National Bank (RBC): Los Angeles-headquartered commercial and private bank (now owned by Royal Bank of Canada) focused on California markets, serving entrepreneurs, entertainment, and wealth clients. Closest direct comparable to California Bank & Trust in geographic focus, client mix, and relationship-banking model.

Broad incumbents

• U.S. Bancorp: Large regional bank with a multi-state retail and commercial footprint including California. Closely mirrors California Bank & Trust's product mix (deposits, mortgages, business banking, cards) and competes in the same middle-market commercial lending space.
• Bank of America: One of the largest U.S. retail and commercial banks with deep California presence; offers the full suite of checking, lending, cards, and wealth services that California Bank & Trust provides, but at national scale and with a much larger digital and capital base.
• Wells Fargo: San Francisco-headquartered national bank with a large California retail and commercial franchise. Directly comparable product set (deposits, mortgages, commercial lending, cards, wealth) and competes head-to-head with CB&T across the state.
• JPMorgan Chase: Largest U.S. bank with significant California retail, commercial, and wealth operations. Competes with California Bank & Trust on consumer deposits, mortgages, small business lending, and credit cards, with materially larger digital investment capacity.

Regional players

• MUFG Union Bank: Japanese-owned bank with significant California branch network and commercial banking presence (sale to U.S. Bancorp recently announced). Competes with CB&T in California commercial, retail, and wealth, though now operating under ownership transition.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/calbanktrust
• YouTubeyoutube.com/c/calbanktrust
• Facebookfacebook.com/calbanktrust
• LinkedInlinkedin.com/company/calbanktrust
• Instagraminstagram.com/calbanktrust

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about California Bank & Trust