California Bank of Commerce, N.A.
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Data as of · sourced from FFIEC call reports. How we update
California Bank of Commerce, N.A. is an FDIC-insured commercial bank headquartered in San Diego, CA, supervised by the OCC, with $4.02B in total assets at Q2 2026, up 1.8% from Q2 2025, the 27th largest of 113 banks headquartered in California. It was established in 2001 and holds FDIC certificate 57044. Its CET1 capital ratio was 13.93% 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
- 57044
- Headquarters
- San Diego, CA
- Established
- 2001
- Total assets, Q2 2026
- $4.02B
- Assets vs Q2 2025
- +1.8%
- CET1 ratio, Q2 2026
- 13.93%
- Domestic offices
- 14 · California Bank of Commerce, N.A. branches FDIC institution directory, current count
- Routing number
- 122243402
- Safety and soundness
- Is California Bank of Commerce, N.A. safe?
- Latest call report
- Q2 2026, FFIEC 051 · California Bank of Commerce, N.A. call report
- Holding company
- CALIFORNIA BANCORP
- Asset rank in state
- 27th of 113 in California
California Bank of Commerce, N.A. earns an unusually wide margin on its lending. The San Diego, California bank had $4.0 billion in assets at June 30, 2026, up 1.8% from a year earlier. It keeps 4.79 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 3.71 cents). On the other hand, it holds about half of its deposits (50%) above the FDIC insurance limit, higher than about 9 in 10 banks its size (median 30.9%).
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.27% of loans from 0.61%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.2 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, California Bank of Commerce, N.A. reported a CET1 capital ratio of 13.93%, a return on assets of 1.49%, a nonperforming-loan ratio of 0.29% and a Texas ratio of 3.26%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, California Bank of Commerce, N.A. is the 27th largest of the 113 banks headquartered in California. Between Q1 2026 and Q2 2026, its total assets fell 0.6% to $4.02B, loans rose 3.8% and deposits fell 1.2%. Non-owner-occupied commercial real estate loans made up 39.9% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 21.3%. The FDIC Summary of Deposits lists 14 offices for it, in 13 cities in CA; its Walnut Creek office books 38% of its branch deposits. Judged on its Q2 2026 call report, California Bank of Commerce, N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 12265 El Camino Real, San Diego, CA 92130
- 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
- December 18, 2001
- Former names
- Bank of Southern California, National Association (2023-2024); First Business Bank, National Association (2006-2010); Ramona National Bank (2001-2006)
- Domestic offices
- 14 FDIC institution directory, current count
- Employees (FTE)
- 300
- Domestic deposits
- $3.36B
- Allowance for credit losses
- $34.9M
- Net charge-offs (YTD)
- $157K
- Average total assets
- $4.00B
- Average total loans
- $3.04B
- Average interest-bearing deposits
- $2.11B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- December 18, 2001
- FDIC Cert
- 57044
- Fed RSSD
- 3076453
- SEC CIK
- 1795815 → filed by CALIFORNIA BANCORP
- Parent Holding Company
- CALIFORNIA BANCORP (RSSD 5443938) · BCAL
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| David I Rainer | CEO | Chairman and CEO |
| Richard Hernandez | PRES | President |
| Thomas G. Dolan | CFO | EVP / Bancorp CFO/ CSO |
| Michelle Wirfel | COO | EVP, Chief Operating Officer |
| Martin Liska | CRO | EVP / Chief Risk Officer |
| Peter Nutz | CCO | EVP/ Chief Credit Officer |
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
California Bank of Commerce, N.A.'s total assets moved between a low of $2.29B (Q1 2024) and a high of $4.36B (Q3 2024) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$4.02B total assets against $3.95B; $3.40B total liabilities against $3.37B.
$3.08B net loans and leases against $2.96B; $3.36B total deposits against $3.33B.
$361.6M securities against $241.3M; $264.0M cash and balances due against $430.1M.
$54.9M total interest income against $55.8M; $10.9M total interest expense against $12.9M.
$44.0M net interest income against $42.8M.
$1.6M total noninterest income against $2.9M; $24.2M total noninterest expense against $24.7M.
$714K provision for credit losses against -$634K.
$14.9M net income against $15.2M.
1.49% return on assets against 1.55%; 4.79% net interest margin against 4.74%.
13.93% CET1 capital ratio against 13.22%; 12.80% tier 1 leverage ratio against 12.13%.
Inside the full California Bank of Commerce, 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
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).
California Bank of Commerce, N.A. rankings
Its closest position to the top of a national ranking is 326 of 4,196, for total assets; its furthest is 1,141 of 2,134, for CET1 ratio.
Metric pages for California Bank of Commerce, N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.72% (Q3 2024) to 1.79% (Q1 2025) and its net interest margin ran from 4.50% (Q1 2026) to 4.79% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.93% | 1.49% | 0.29% | 3.26% | 4.79% |
| Q1 2026 | 13.76% | 1.40% | 1.03% | 7.66% | 4.50% |
| Q4 2025 | 13.26% | 1.63% | 0.53% | 3.16% | 4.54% |
| Q3 2025 | 12.94% | 1.64% | 0.52% | 3.18% | 4.66% |
| Q2 2025 | 13.22% | 1.55% | 0.61% | 3.68% | 4.74% |
| Q1 2025 | 13.29% | 1.79% | 0.74% | 5.24% | 4.72% |
| Q4 2024 | 12.40% | 1.70% | 0.84% | 6.15% | 4.79% |
| Q3 2024 | 11.37% | -1.72% | 0.79% | 6.20% | 4.53% |
Swipe the table sideways to see every column.
Branch Network
View all 14 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 |
|---|---|---|---|
| California Bank of Commerce Branch | Walnut Creek , CA | 94597 | $1.28B |
| California Bank of Commerce, N.A. (main office) | San Diego , CA | 92130 | $325.9M |
| West L.A. Branch | Los Angeles , CA | 90025 | $302.2M |
| Santa Clarita Branch | Santa Clarita , CA | 91355 | $282.9M |
| Glendale Branch | Glendale , CA | 91203 | $172.9M |
| Encino Branch | Encino , CA | 91436 | $168.1M |
| Irvine Branch | Irvine , CA | 92618 | $133.9M |
| Carlsbad Branch | Carlsbad , CA | 92010 | $127.5M |
| Rancho Santa Margarita Branch | Rancho Santa Margarita , CA | 92688 | $123.7M |
| Downtown San Diego Branch | San Diego , CA | 92101 | $122.5M |
| Westlake Village Branch | Westlake Village , CA | 91361 | $112.1M |
| Rancho Mirage Branch | Rancho Mirage , CA | 92270 | $98.5M |
| La Quinta Branch | La Quinta , CA | 92253 | $56.6M |
| Ramona Branch | Ramona , CA | 92065 | $55.2M |
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 |
|---|---|---|---|
| August 1, 2024 | Structure Change | Acquired California Bank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 2, 2021 | Structure Change | Acquired Bank of Santa Clarita Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2020 | Structure Change | Acquired Calwest Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2018 | Structure Change | Acquired Americas United Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 8, 2014 | Structure Change | Acquired Frontier Bank, FSB dba El Paseo Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 7, 2014 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- December 14, 2005, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Ramona National Bank
- Period: Most recent institution action December 14, 2005. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in CA, rank 45 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 15 loans, $12.5M approved, $833K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 California Bank of Commerce, N.A.
What are California Bank of Commerce, N.A.'s total assets?
As of the Q2 2026 filing, California Bank of Commerce, N.A. reported total assets of $4.02 billion in its FFIEC call report.
Where is California Bank of Commerce, N.A. headquartered?
It is headquartered in San Diego, CA, United States.
When was California Bank of Commerce, N.A. founded?
It was established in 2001, per the FDIC institution directory.
Is California Bank of Commerce, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57044). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates California Bank of Commerce, N.A.?
California Bank of Commerce, N.A.'s primary federal regulator is the OCC.
What is California Bank of Commerce, N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.93% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does California Bank of Commerce, N.A. operate?
It operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is California Bank of Commerce, N.A.'s Texas Ratio?
Its Texas Ratio is 3.26% 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 California Bank of Commerce, N.A. previously called?
The charter now named California Bank of Commerce, N.A. has also operated as Bank of Southern California, National Association (2023-2024), First Business Bank, National Association (2006-2010), Ramona National Bank (2001-2006), per FDIC structure-change records.
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