CHINO COMMERCIAL BANK, NATIONAL ASSOCIATION

CHINO, CA | Small | Est. Sept. 1, 2000, midnight | FDIC #35366 | RSSD #2925620 | OCC
Latest Report: 2025-12-31

CHINO COMMERCIAL BANK, NATIONAL ASSOCIATION is asn small FDIC-insured commercial bank headquartered in CHINO, CA, established in Sept. 1, 2000, midnight. As of 2025-12-31, the bank reported total assets of $493M and total deposits of $377M. Profitability stands at 1.26% ROA and 11.56% ROE, with a net interest margin of 3.77%. The bank's CET1 capital ratio is 11.00%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.32% and a Texas Ratio of 1.19%. FDIC Certificate #35366.

Assets

$493M

Deposits

$377M

Loans

$219M

Equity

$54M

Profitability

Return on Assets (ROA) 1.26%
Return on Equity (ROE) 11.56%
Net Interest Margin (NIM) 3.77%
Yield on Assets 4.96%
Cost of Funds 1.23%

Asset Quality

NPL Ratio 0.32%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.19%
NPA Ratio 0.14%
ACL / Loans 2.23%

Capital & Liquidity

CET1 Ratio 11.00%
Tier 1 Capital 11.00%
Total Capital Ratio 11.55%
Leverage Ratio 12.26%
Loan-to-Deposit 58.19%

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