Commercial Bank of California

Overview

What stands out about Commercial Bank of California?

Its largest one-quarter change in total assets since Q1 2016 was +122.4% between Q1 2016 and Q2 2016, when it absorbed National Bank of California. Against its six size peers, its uninsured share of domestic deposits stands out most: 61.85% at Q2 2026, above the peer median of 39.01%. By noncurrent loans to total loans it moved from 250th to 137th among 500 banks between Q1 2026 and Q2 2026 (1 = lowest). Its uninsured share of domestic deposits of 61.85% at Q2 2026 is in the highest 5% of the 500 banks reporting it (rank 25 of 500, 1 = highest).

How large is Commercial Bank of California?

At Q2 2026 the bank held $4.0 bn of assets. Deposits were $3.5 bn and net loans and leases $2.7 bn, a loan-to-deposit ratio of 79.50%. Securities of $841.1 mn made up 21.1% of assets.

Total assets rose 1,037.6% between Q1 2016 and Q2 2026, from $349.8 mn.

How much of its funding is uninsured?

An estimated 61.85% of domestic deposits were above the FDIC insurance limit at Q2 2026, +2.41 pp from the previous quarter and +2.38 pp from a year earlier. That share ranks 25th 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 11.78% at Q2 2026, +0.78 pp from a year earlier. Since Q1 2016 it has ranged from 9.84% (Q4 2023) to 13.50% (Q2 2017). At Q2 2026 the tier 1 leverage ratio was 9.27% and the total risk-based capital ratio 12.85%. The median CET1 ratio of the size peers listed below was 15.04% at Q2 2026.

Held-to-maturity securities had an unrealized loss of $526,000 at Q2 2026, measured as fair value minus amortized cost, equal to 0.1% of bank equity capital. The loss narrowed by $1.0 mn from a year earlier. The largest unrealized loss on these securities was $3.0 mn at Q3 2023. Available-for-sale securities showed an unrealized loss of $31.1 mn at Q2 2026; the loss narrowed by $3.3 mn from a year earlier.

Return on equity was 14.75% for the year to Q2 2026, annualized, with a return on assets of 1.34% and a net interest margin of 3.92%. The margin was +0.27 pp from a year earlier. The efficiency ratio, noninterest expense as a share of revenue as the FDIC defines it, was 53.53%. Net income for the year to Q2 2026 was $25.9 mn, up 38.2% on the same period a year earlier. The median return on equity of its size peers was 13.18% for the same period.

Noncurrent loans, those 90 days or more past due or no longer accruing interest, were 0.37% of total loans at Q2 2026. Net charge-offs for the year to date were 0.06% of average loans, annualized.

1. 30 April 2016. Absorbed National Bank of California (FDIC certificate 24108).
2. 1 November 2024. Absorbed Community Bank of the Bay (FDIC certificate 34210).

Large one-quarter moves

• Total assets changed by +122.4% in the quarter to 2016-06-30: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from National Bank of California.
• Total assets changed by +36.1% in the quarter to 2020-06-30, with no FDIC structure event in that quarter.
• Total assets changed by +39.7% in the quarter to 2024-12-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Community Bank of the Bay.

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