C3BANK, NATIONAL ASSOCIATION

ENCINITAS, CA | Medium | Est. June 1, 1984, midnight | FDIC #25249 | RSSD #754068 | OCC
Latest Report: 2025-12-31

C3BANK, NATIONAL ASSOCIATION is amn medium FDIC-insured commercial bank headquartered in ENCINITAS, CA, established in June 1, 1984, midnight. As of 2025-12-31, the bank reported total assets of $996M and total deposits of $886M. Profitability stands at 1.22% ROA and 12.99% ROE, with a net interest margin of 3.87%. The bank's CET1 capital ratio is 15.79%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #25249.

Assets

$996M

Deposits

$886M

Loans

$608M

Equity

$92M

Profitability

Return on Assets (ROA) 1.22%
Return on Equity (ROE) 12.99%
Net Interest Margin (NIM) 3.87%
Yield on Assets 5.37%
Cost of Funds 1.55%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.34%

Capital & Liquidity

CET1 Ratio 15.79%
Tier 1 Capital 15.79%
Total Capital Ratio 17.04%
Leverage Ratio 9.97%
Loan-to-Deposit 68.58%

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