BanksCOMMERCIAL BANK OF CALIFORNIA

COMMERCIAL BANK OF CALIFORNIA

IRVINE, CALargeEst. May 15, 2003, midnightFDIC #57417RSSD #3189063FDIC
Latest · 2025-12-31

COMMERCIAL BANK OF CALIFORNIA is an FDIC-insured commercial bank headquartered in IRVINE, CA, established in May 15, 2003, midnight. As of 2025-12-31, the bank reported total assets of $3.7B and total deposits of $3.1B. Profitability stands at 1.35% ROA and 15.10% ROE, with a net interest margin of 3.97%. CET1 capital ratio: 11.41%, well above regulatory minimums. NPL ratio: 0.40% · Texas Ratio: 3.88%. Operates 9 domestic branches.

Assets
$3.7B
Deposits
$3.1B
Loans
$2.8B
Equity
$344M

Profitability

Return on Assets (ROA)1.35%
Return on Equity (ROE)15.10%
Net Interest Margin3.97%
Yield on Assets6.03%
Cost of Funds2.10%

Asset Quality

NPL Ratio0.40%
Net Charge-Off Ratio0.09%
Texas Ratio3.88%
NPA Ratio0.39%
ACL / Loans1.17%

Capital & Liquidity

CET1 Ratio11.41%
Tier 1 Capital11.41%
Total Capital Ratio12.50%
Leverage Ratio9.29%
Loan-to-Deposit89.93%

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