California Bank of Commerce

Overview

What stands out about California Bank of Commerce?

Its largest one-quarter change in total assets since Q1 2016 was +90.4% between Q2 2024 and Q3 2024, when it absorbed California Bank of Commerce. By noncurrent loans to total loans it moved from 376th to 100th among 500 banks between Q1 2026 and Q2 2026 (1 = lowest).

How large is California Bank of Commerce?

At Q2 2026 the bank held $4.0 bn of assets. Deposits were $3.4 bn and net loans and leases $3.1 bn, a loan-to-deposit ratio of 91.45%. Securities of $361.6 mn made up 9.0% of assets.

Total assets rose 995.8% between Q1 2016 and Q2 2026, from $367.1 mn.

How much of its funding is uninsured?

An estimated 50.40% of domestic deposits were above the FDIC insurance limit at Q2 2026, +0.31 pp from the previous quarter and +2.52 pp from a year earlier. That share ranks 79th among 500 banks reporting this metric (1 = highest).

Key facts, Q2 2026

US rank: rank among the banks in our coverage reporting each metric, 1 = highest unless marked 1 = lowest.

The common equity tier 1 (CET1) ratio was 13.93% at Q2 2026, +0.71 pp from a year earlier. Since Q1 2016 it has ranged from 10.94% (Q3 2022) to 19.20% (Q4 2020). At Q2 2026 the tier 1 leverage ratio was 12.80% and the total risk-based capital ratio 14.94%. The median CET1 ratio of the size peers listed below was 14.07% at Q2 2026.

Held-to-maturity securities had an unrealized loss of $3.7 mn at Q2 2026, measured as fair value minus amortized cost, equal to 0.6% of bank equity capital. The loss narrowed by $1.9 mn from a year earlier. The largest unrealized loss on these securities was $9.2 mn at Q3 2022. Available-for-sale securities showed an unrealized loss of $7.5 mn at Q2 2026; the loss widened by $2.2 mn from a year earlier.

Return on equity was 9.68% for the year to Q2 2026, annualized, with a return on assets of 1.45% and a net interest margin of 4.75%. The margin was -0.07 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 53.03%. Net income for the year to Q2 2026 was $29.3 mn, down 11.6% on the same period a year earlier. The median return on equity of its size peers was 11.63% for the same period.

Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.29% of total loans at Q2 2026. Net charge-offs for the year to date were 0.01% of average loans, annualized.

1. 31 July 2018. Absorbed Americas United Bank (FDIC certificate 58360).
2. 31 May 2020. Absorbed Calwest Bank (FDIC certificate 35069).
3. 1 October 2021. Absorbed Bank of Santa Clarita (FDIC certificate 57816).
4. 31 July 2024. Absorbed California Bank of Commerce (FDIC certificate 58583).

Large one-quarter moves

• Total assets 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 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 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 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.

Source: FDIC BankFind API, institution history. Moves of more than 25% in one quarter are checked against that history in our review.