Branch Network
C3BANK, N.A. Locations & Branches Encinitas, California
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C3BANK, N.A. operates 4 branches from its headquarters in Encinitas, CA, .
C3BANK, N.A. branch network
Its 4 branches span 2 states and 4 cities. The most are in CALIFORNIA (3) and TENNESSEE (1). CALIFORNIA holds 91.2% of its branch deposits. Its largest office by deposits is its main office in Encinitas, CA, with $492.8M (58.9% of its branch deposits). It had the same number of branches on June 30, 2025.
C3BANK, N.A. at a glance
Its CET1 capital ratio was 16.57% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $949.3M
- CET1 ratio, Q2 2026
- 16.57%
- Deposit insurance
- FDIC
- Regulator
- OCC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1984
Full financial profile · Is C3BANK, N.A. safe? · C3BANK, N.A. call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Encinitas, CA (1 branch) | 4 of 10 | 7.0% | $492.8M |
| State: CA (3 branches) | 91 of 164 | <0.1% | $762.5M |
Ranked by total assets among banks headquartered in the state: Largest banks in California.
Share by county and metro area
C3BANK, N.A.'s share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| San Diego, CA (2 branches) | 20 of 42 | 0.5% | $708.4M | $134.97B |
| Davidson, TN (1 branch) | 26 of 35 | 0.1% | $73.8M | $66.01B |
| Riverside, CA (1 branch) | 22 of 25 | 0.1% | $54.1M | $41.32B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| San Diego-Chula Vista-Carlsbad, CA (2 branches) | 20 of 42 | 0.5% | $708.4M | $134.97B |
| Nashville-Davidson-Murfreesboro-Franklin, TN (1 branch) | 53 of 62 | <0.1% | $73.8M | $107.32B |
| Riverside-San Bernardino-Ontario, CA (1 branch) | 31 of 35 | <0.1% | $54.1M | $79.56B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 25249) · FFIEC NIC profile (RSSD 754068)