California Bank of Commerce
California Bank of Commerce reported total assets of $4.0 bn at Q2 2026, up 1.8% on a year earlier, the 329th largest of 497 banks in our US coverage. The CET1 capital ratio at California Bank of Commerce was 13.93%, and the uninsured share of California Bank of Commerce was 50.40%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, California Bank of Commerce climbed from 286th to 100th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , California Bank of Commerce has taken over 4 institutions; the latest was California Bank of Commerce on (FDIC Call Reports).
- California Bank of Commerce has one of the highest net interest margin readings among banks of $1 bn to $10 bn: 4.75% at , against a median of 3.66% across 339 banks (FDIC Call Reports).
What sets California Bank of Commerce apart
How large is California Bank of Commerce?
The balance sheet of California Bank of Commerce at : assets $4.0 bn, deposits $3.4 bn, net loans $3.1 bn (loans equal to 91.45% of deposits). Securities make up 9.0% of total assets at California Bank of Commerce. Since , when California Bank of Commerce held $367.1 mn, its assets grew 995.8%. In the year to , deposits at California Bank of Commerce rose 1.1% while its total assets rose 1.8%. At , California Bank of Commerce employed 300 full-time equivalent staff across 14 offices, about $13.4 mn of assets per employee and $240.2 mn of deposits per office.
How much funding at California Bank of Commerce is uninsured?
At California Bank of Commerce, uninsured deposits (above the FDIC limit) made up 50.40% of domestic deposits at (+2.52 pp on a year earlier); California Bank of Commerce ranks 79th of 500 on this measure. In dollars, California Bank of Commerce estimated $1.7 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.4 bn | +1.1% | 330th of 499 |
| Net loans and leases | $3.1 bn | +4.0% | 307th of 500 |
| Loan-to-deposit ratio | 91.45% | +2.60 pp | 167th of 500 |
| Tier 1 leverage ratio | 12.80% | +0.67 pp | 61st of 500 |
| Total risk-based capital ratio | 14.94% | +0.63 pp | 175th of 448 |
| Net interest margin | 4.75% | -0.07 pp | 49th of 500 |
| Return on assets (ROA) | 1.45% | -0.21 pp | 172nd of 500 |
| Efficiency ratio | 53.03% | +1.10 pp | 193rd of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $3.7 mn | Narrowed by $1.9 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $7.5 mn | Widened by $2.2 mn | |
| Noncurrent loans to total loans | 0.29% | -0.33 pp | 100th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.01% | -0.35 pp | 103rd of 500 (1 = lowest) |
US rank of California Bank of Commerce: 1 = highest unless marked 1 = lowest.
Balance sheet
California Bank of Commerce: assets, deposits and loans
- Total assets $4.0bn
- Deposits $3.4bn
- Net loans $3.1bn
Capital and securities
The CET1 ratio of California Bank of Commerce stood at 13.93% in , +0.71 pp year on year. Low and high at California Bank of Commerce since : 10.94% () to 19.20% (). Equity capital of California Bank of Commerce at : $618.6 mn, or 15.4% of total assets. California Bank of Commerce also reported a total capital ratio of 14.94% for , and a tier 1 leverage ratio of 12.80%.
On held-to-maturity securities, California Bank of Commerce carried an unrealized loss of $3.7 mn at , equal to 0.6% of equity capital. The loss narrowed by $1.9 mn over the year. Its deepest point: $9.2 mn in . The available-for-sale portfolio of California Bank of Commerce showed an unrealized loss of $7.5 mn at ; the loss widened by $2.2 mn over the year.
California Bank of Commerce: capital ratios
- Total capital 15%
- CET1 14%
- Tier 1 leverage 13%
California Bank of Commerce: unrealized securities gains and losses
- Available for sale -$7mn
- Held to maturity -$4mn
Profitability and loan quality
For the year to , California Bank of Commerce earned a return on equity of 9.68%; return on assets: 1.45%. Net interest margin at California Bank of Commerce: 4.75%, -0.07 pp in a year. California Bank of Commerce net income: $29.3 mn, down 11.6% year on year. The efficiency ratio of California Bank of Commerce was 53.03%: about 53 cents cost per revenue dollar, against 58 cents at the median peer.
At , noncurrent loans were 0.29% of total loans at California Bank of Commerce; net charge-offs: 0.01% of average loans. Gross loans and leases at California Bank of Commerce: $3.1 bn, up 3.8% in a year.
California Bank of Commerce: profitability
- Return on equity 9.7%
- Net interest margin 4.7%
- Return on assets 1.5%
Peer group of California Bank of Commerce
The peer group of California Bank of Commerce is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 0 share the charter type of California Bank of Commerce (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in California. Against them, California Bank of Commerce shows CET1 ratio 13.93% against a peer median of 14.07%, return on equity 9.68% against a peer median of 11.63% and uninsured deposit share 50.40% against a peer median of 38.36%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Gate City Bank | Federal savings bank | ND | $4.0 bn | not reported | 9.30% | 10.91% | |
| Spencer Savings Bank, SLA | State-chartered stock savings and loan association | NJ | $4.0 bn | 16.80% | 5.41% | 41.60% | |
| West Bank | State nonmember bank | IA | $4.0 bn | 13.03% | 13.02% | 49.50% | |
| California Bank of Commerce | National bank | CA | $4.0 bn | 13.93% | 9.68% | 50.40% | |
| Union Savings Bank | State-chartered stock savings and loan association | OH | $4.0 bn | not reported | 19.84% | 13.45% | |
| River Bank & Trust | State nonmember bank | AL | $4.0 bn | 12.57% | 16.87% | 42.89% | |
| Central Bank & Trust Co. | State nonmember bank | KY | $4.0 bn | 15.12% | 10.25% | 35.13% | |
. FDIC Call Reports.
Last eight quarters
Two years at California Bank of Commerce, to : assets -7.8%, deposits -10.2%, equity +10.0%. Staff 326 to 300.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $4.4 bn | $4.0 bn | $4.0 bn | $4.0 bn | $4.1 bn | $4.0 bn | $4.0 bn | $4.0 bn |
| Total deposits | $3.7 bn | $3.4 bn | $3.3 bn | $3.3 bn | $3.5 bn | $3.4 bn | $3.4 bn | $3.4 bn |
| Bank equity capital | $562.6 mn | $577.1 mn | $597.6 mn | $584.9 mn | $574.3 mn | $591.8 mn | $604.1 mn | $618.6 mn |
| CET1 ratio | 11.37% | 12.40% | 13.29% | 13.22% | 12.94% | 13.26% | 13.76% | 13.93% |
| Return on equity (ROE) | -3.56% | 1.91% | 12.19% | 11.29% | 11.35% | 11.37% | 9.61% | 9.68% |
| Uninsured share of domestic deposits | 44.08% | 45.77% | 47.25% | 47.88% | 48.67% | 49.02% | 50.09% | 50.40% |
| Full-time equivalent employees | 326 | 289 | 291 | 288 | 286 | 288 | 300 | 300 |
| Number of offices | 14 | 14 | 14 | 14 | 14 | 14 | 14 | 14 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of California Bank of Commerce, oldest first; figures before and after each event are not like for like.
- . Absorbed Americas United Bank (FDIC certificate 58360).
- . Absorbed Calwest Bank (FDIC certificate 35069).
- . Absorbed Bank of Santa Clarita (FDIC certificate 57816).
- . Absorbed California Bank of Commerce (FDIC certificate 58583).
Large one-quarter moves at California Bank of Commerce
- Total assets at California Bank of Commerce changed by +40.9% in the quarter to 2018-09-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Americas United Bank.
- Total assets at California Bank of Commerce changed by +81.4% in the quarter to 2020-06-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Calwest Bank.
- Total assets at California Bank of Commerce changed by +26.7% in the quarter to 2021-12-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Bank of Santa Clarita.
- Total assets at California Bank of Commerce changed by +90.4% in the quarter to 2024-09-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from California Bank of Commerce.
Questions and identifiers
What were the total assets of California Bank of Commerce?
California Bank of Commerce reported $4.0 bn at in its Call Report. That makes California Bank of Commerce the 329th largest of 497 banks in our US coverage.
Is California Bank of Commerce the same as its holding company?
No. This page covers California Bank of Commerce, FDIC certificate 57044; CALIFORNIA BCORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is California Bank of Commerce profitable?
California Bank of Commerce reported net income of $29.3 mn for the year to ; annualized return on equity: 9.68%. So yes: California Bank of Commerce made a profit over these months.
When is data for California Bank of Commerce next updated?
Figures from California Bank of Commerce for are due after .
Where can I check the figures for California Bank of Commerce?
In the FDIC BankFind Suite record for certificate 57044, and in the Call Reports of California Bank of Commerce (RSSD ID 3076453) at the FFIEC Central Data Repository.