Commercial Bank of California
Commercial Bank of California reported total assets of $4.0 bn at Q2 2026, up 7.6% on a year earlier, the 334th largest of 497 banks in our US coverage. The CET1 capital ratio at Commercial Bank of California was 11.78%, and the uninsured share of Commercial Bank of California was 61.85%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, Commercial Bank of California climbed from 277th to 137th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- Since , Commercial Bank of California has taken over 2 institutions; the latest was Community Bank of the Bay on (FDIC Call Reports).
- Commercial Bank of California has one of the highest uninsured share of domestic deposits readings among banks of $1 bn to $10 bn: 61.85% at , against a median of 32.61% across 339 banks (FDIC Call Reports).
What sets Commercial Bank of California apart
How large is Commercial Bank of California?
The balance sheet of Commercial Bank of California at : assets $4.0 bn, deposits $3.5 bn, net loans $2.7 bn (loans equal to 79.50% of deposits). Securities make up 21.1% of total assets at Commercial Bank of California. Since , when Commercial Bank of California held $349.8 mn, its assets grew 1,037.6%. In the year to , deposits at Commercial Bank of California rose 13.2% while its total assets rose 7.6%. At , Commercial Bank of California employed 311 full-time equivalent staff across 10 offices, about $12.8 mn of assets per employee and $345.6 mn of deposits per office.
How much funding at Commercial Bank of California is uninsured?
At Commercial Bank of California, uninsured deposits (above the FDIC limit) made up 61.85% of domestic deposits at (+2.38 pp on a year earlier); Commercial Bank of California ranks 25th of 500 on this measure. In dollars, Commercial Bank of California estimated $2.1 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $3.5 bn | +13.2% | 324th of 499 |
| Net loans and leases | $2.7 bn | +6.2% | 335th of 500 |
| Loan-to-deposit ratio | 79.50% | -5.27 pp | 351st of 500 |
| Tier 1 leverage ratio | 9.27% | +0.55 pp | 398th of 500 |
| Total risk-based capital ratio | 12.85% | +0.76 pp | 371st of 448 |
| Net interest margin | 3.92% | +0.27 pp | 166th of 500 |
| Return on assets (ROA) | 1.34% | +0.31 pp | 228th of 500 |
| Efficiency ratio | 53.53% | -6.31 pp | 199th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $526,000 | Narrowed by $1.0 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $31.1 mn | Narrowed by $3.3 mn | |
| Noncurrent loans to total loans | 0.37% | -0.22 pp | 137th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.06% | -0.02 pp | 213th of 500 (1 = lowest) |
US rank of Commercial Bank of California: 1 = highest unless marked 1 = lowest.
Balance sheet
Commercial Bank of California: assets, deposits and loans
- Total assets $4.0bn
- Deposits $3.5bn
- Net loans $2.7bn
Capital and securities
The CET1 ratio of Commercial Bank of California stood at 11.78% in , +0.78 pp year on year. Low and high at Commercial Bank of California since : 9.84% () to 13.50% (). Equity capital of Commercial Bank of California at : $360.1 mn, or 9.0% of total assets. Commercial Bank of California also reported a total capital ratio of 12.85% for , and a tier 1 leverage ratio of 9.27%.
On held-to-maturity securities, Commercial Bank of California carried an unrealized loss of $526,000 at , equal to 0.1% of equity capital. The loss narrowed by $1.0 mn over the year. Its deepest point: $3.0 mn in . The available-for-sale portfolio of Commercial Bank of California showed an unrealized loss of $31.1 mn at ; the loss narrowed by $3.3 mn over the year.
Commercial Bank of California: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 9.3%
Commercial Bank of California: unrealized securities gains and losses
- Available for sale -$31mn
- Held to maturity -$526,000
Profitability and loan quality
For the year to , Commercial Bank of California earned a return on equity of 14.75%; return on assets: 1.34%. Net interest margin at Commercial Bank of California: 3.92%, +0.27 pp in a year. Commercial Bank of California net income: $25.9 mn, up 38.2% year on year. The efficiency ratio of Commercial Bank of California was 53.53%: about 54 cents cost per revenue dollar, against 61 cents at the median peer.
At , noncurrent loans were 0.37% of total loans at Commercial Bank of California; net charge-offs: 0.06% of average loans. Gross loans and leases at Commercial Bank of California: $2.8 bn, up 6.2% in a year.
Commercial Bank of California: profitability
- Return on equity 15%
- Net interest margin 3.9%
- Return on assets 1.3%
Peer group of Commercial Bank of California
The peer group of Commercial Bank of California is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 5 share the charter type of Commercial Bank of California (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in California. Against them, Commercial Bank of California shows CET1 ratio 11.78% against a peer median of 15.04%, return on equity 14.75% against a peer median of 13.18% and uninsured deposit share 61.85% against a peer median of 39.01%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| 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% | |
| RCB Bank | State member bank | OK | $4.0 bn | 16.30% | 12.68% | 21.91% | |
| Commercial Bank of California | State nonmember bank | CA | $4.0 bn | 11.78% | 14.75% | 61.85% | |
| Sumitomo Mitsui Trust Bank (U.S.A.) Limited | State nonmember bank | NJ | $3.9 bn | 45.25% | 13.68% | 92.29% | |
| First Guaranty Bank | State nonmember bank | LA | $3.9 bn | 14.95% | 5.85% | 25.29% | |
| Carrollton Bank | State nonmember bank | IL | $3.9 bn | 9.93% | 13.81% | 53.18% | |
. FDIC Call Reports.
Last eight quarters
Two years at Commercial Bank of California, to : assets +57.2%, deposits +67.6%, equity +85.1%. Staff 234 to 311; offices 6 to 10.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.5 bn | $3.5 bn | $3.6 bn | $3.7 bn | $3.8 bn | $3.7 bn | $3.9 bn | $4.0 bn |
| Total deposits | $2.1 bn | $2.9 bn | $3.0 bn | $3.1 bn | $3.2 bn | $3.1 bn | $3.4 bn | $3.5 bn |
| Bank equity capital | $194.5 mn | $291.8 mn | $305.2 mn | $314.1 mn | $331.7 mn | $343.8 mn | $349.7 mn | $360.1 mn |
| CET1 ratio | 10.44% | 10.57% | 10.78% | 11.00% | 11.20% | 11.41% | 11.50% | 11.78% |
| Return on equity (ROE) | 11.53% | 7.80% | 11.84% | 12.35% | 12.79% | 13.41% | 14.38% | 14.75% |
| Uninsured share of domestic deposits | 62.11% | 55.97% | 57.55% | 59.47% | 63.33% | 61.93% | 59.44% | 61.85% |
| Full-time equivalent employees | 234 | 297 | 297 | 292 | 292 | 303 | 304 | 311 |
| Number of offices | 6 | 10 | 10 | 10 | 10 | 10 | 10 | 10 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Commercial Bank of California, oldest first; figures before and after each event are not like for like.
- . Absorbed National Bank of California (FDIC certificate 24108).
- . Absorbed Community Bank of the Bay (FDIC certificate 34210).
Large one-quarter moves at Commercial Bank of California
- Total assets at Commercial Bank of California 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 at Commercial Bank of California changed by +36.1% in the quarter to 2020-06-30, with no FDIC structure event in that quarter.
- Total assets at Commercial Bank of California 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.
Questions and identifiers
What were the total assets of Commercial Bank of California?
Commercial Bank of California reported $4.0 bn at in its Call Report. That makes Commercial Bank of California the 334th largest of 497 banks in our US coverage.
Is Commercial Bank of California the same as its holding company?
No. This page covers Commercial Bank of California, FDIC certificate 57417; CBC BCORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Commercial Bank of California profitable?
Commercial Bank of California reported net income of $25.9 mn for the year to ; annualized return on equity: 14.75%. So yes: Commercial Bank of California made a profit over these months.
When is data for Commercial Bank of California next updated?
Figures from Commercial Bank of California for are due after .
Where can I check the figures for Commercial Bank of California?
In the FDIC BankFind Suite record for certificate 57417, and in the Call Reports of Commercial Bank of California (RSSD ID 3189063) at the FFIEC Central Data Repository.