C3BANK, N.A.
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Data as of · sourced from FFIEC call reports. How we update
C3BANK, N.A. is an FDIC-insured commercial bank headquartered in Encinitas, CA, established in 1984 (FDIC certificate 25249), and it is supervised by the OCC. At Q2 2026 it reported total assets of $949.3M, down 0.3% from Q2 2025, the 62nd largest of 113 banks headquartered in California. Its CET1 capital ratio was 16.57% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 25249
- Headquarters
- Encinitas, CA
- Established
- 1984
- Total assets, Q2 2026
- $949.3M
- Assets vs Q2 2025
- -0.3%
- CET1 ratio, Q2 2026
- 16.57%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 122240751
- Latest call report
- Q2 2026, FFIEC 051 · C3BANK, N.A. call report
- Holding company
- C3 BANCORP
- Asset rank in state
- 62nd of 113 in California
C3BANK, N.A. leans heavily on commercial real estate. It reported $949 million in assets at June 30, 2026. It holds commercial real estate loans worth 3.6 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Loans and deposits moved in opposite directions: over the year loans rose 4.8% and deposits fell 1.5%.
As of June 30, 2026, C3BANK, N.A. reported a CET1 capital ratio of 16.57%, a return on assets of 1.16%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, C3BANK, N.A. is the 62nd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 7.5% to $949.3M, loans fell 0.6% and deposits rose 8.5%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 40.7% of total loans, ahead of 1-4 family residential loans at 29.9%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities across 2 states; its Encinitas office books 59% of its branch deposits. On its Q2 2026 call report, C3BANK, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 850 S Coast Highway 101, Encinitas, CA 92024
- County
- San Diego
- Metro Area
- San Diego-Chula Vista-Carlsbad, CA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 1, 1984
- Former names
- First National Bank of Southern California (2007-2018)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 63
- Domestic deposits
- $836.4M
- Allowance for credit losses
- $8.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $885.3M
- Average total loans
- $603.3M
- Average interest-bearing deposits
- $447.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 1, 1984
- FDIC Cert
- 25249
- Fed RSSD
- 754068
- Website
- www.C3bank.com →
- Parent Holding Company
- C3 BANCORP (RSSD 4970268)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
C3BANK, N.A.'s total assets moved between a low of $772.8M (Q2 2024) and a high of $996.2M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$949.3M total assets against $952.1M; $855.6M total liabilities against $865.7M.
$593.7M net loans and leases against $566.7M; $836.4M total deposits against $848.9M.
$34.0M securities against $28.7M; $297.3M cash and balances due against $332.3M.
$11.5M total interest income against $12.1M; $3.1M total interest expense against $4.0M.
$8.3M net interest income against $8.1M.
$261K total noninterest income against $229K; $4.9M total noninterest expense against $4.5M.
$0 provision for credit losses against $0.
$2.6M net income against $2.7M.
1.16% return on assets against 1.21%; 3.83% net interest margin against 3.65%.
16.57% CET1 capital ratio against 15.64%; 10.59% tier 1 leverage ratio against 9.53%.
Inside the full C3BANK, N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
C3BANK, N.A. rankings
Its closest position to the top of a national ranking is 1,082 of 4,196, for total assets; its furthest is 3,373 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.07% (Q1 2025) to 1.29% (Q3 2025) and its net interest margin ran from 3.40% (Q1 2025) to 3.97% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.57% | 1.16% | 0.00% | 0.00% | 3.83% |
| Q1 2026 | 15.80% | 1.27% | 0.00% | 0.00% | 3.88% |
| Q4 2025 | 15.79% | 1.28% | 0.00% | 0.00% | 3.79% |
| Q3 2025 | 16.11% | 1.29% | 0.00% | 0.00% | 3.70% |
| Q2 2025 | 15.64% | 1.21% | 0.00% | 0.00% | 3.65% |
| Q1 2025 | 16.74% | 1.07% | 0.00% | 0.00% | 3.40% |
| Q4 2024 | 15.92% | 1.17% | 0.00% | 0.00% | 3.61% |
| Q3 2024 | 14.88% | 1.25% | 0.00% | 0.00% | 3.97% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| C3BANK, N.A. (main office) | Encinitas , CA | 92024 | $492.8M |
| San Marcos | San Marcos , CA | 92078 | $215.6M |
| Nashville Banking Center Branch | Nashville , TN | 37203 | $73.8M |
| Riverside Branch | Riverside , CA | 92506 | $54.1M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 11, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 11, 2007 | Structure Change | Acquired First National Bank of North County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- February 23, 2010, OCC: Formal Agreement: First National Bank of Southern California
- Period: Most recent institution action February 23, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CA, rank 91 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $416K approved, $416K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about C3BANK, N.A.
What are C3BANK, N.A.'s total assets?
As of the Q2 2026 filing, C3BANK, N.A. reported total assets of $949.3 million in its FFIEC call report.
Where is C3BANK, N.A. headquartered?
It is headquartered in Encinitas, CA, United States.
When was C3BANK, N.A. founded?
It was established in 1984, per the FDIC institution directory.
Is C3BANK, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #25249). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates C3BANK, N.A.?
C3BANK, N.A.'s primary federal regulator is the OCC.
What is C3BANK, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.57% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does C3BANK, N.A. operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is C3BANK, N.A.'s Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was C3BANK, N.A. previously called?
The charter now named C3BANK, N.A. has also operated as First National Bank of Southern California (2007-2018), per FDIC structure-change records.
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