California Bank of Commerce, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Accumulated other comprehensive income: 40.1% lower than in Q1 2026, at -$5.3M. California Bank of Commerce, N.A. ranks 45th of 74 California banks on CET1 ratio, in the lower half at 13.93% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. California Bank of Commerce, N.A. sits 0.45 points higher, at 13.93% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.93% |
| Tier 1 risk-based capital ratio | 13.93% |
| Total risk-based capital ratio | 14.94% |
| Tier 1 leverage ratio | 12.80% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $495.8M |
| Tier 1 capital | $495.8M |
| Total risk-based capital | $531.8M |
| Total equity capital | $618.6M |
| Risk-weighted assets | $3.56B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 15.38% |
| Tangible equity to tangible assets | 12.60% |
| Equity capital to average assets | 15.46% |
| Internal capital growth rate | 9.87% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $47.1M |
| Common stock surplus | $475.3M |
| Retained earnings | $101.5M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$5.3M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.36% | 12.36% | 13.28% | 11.69% | $2.16B |
| Q4 2023 | 12.61% | 12.61% | 13.51% | 11.65% | $2.14B |
| Q1 2024 | 13.14% | 13.14% | 14.12% | 12.03% | $2.09B |
| Q2 2024 | 13.29% | 13.29% | 14.34% | 12.16% | $2.07B |
| Q3 2024 | 11.37% | 11.37% | 12.53% | 12.41% | $3.78B |
| Q4 2024 | 12.40% | 12.40% | 13.55% | 11.15% | $3.63B |
| Q1 2025 | 13.29% | 13.29% | 14.42% | 12.15% | $3.54B |
| Q2 2025 | 13.22% | 13.22% | 14.30% | 12.13% | $3.47B |
| Q3 2025 | 12.94% | 12.94% | 14.06% | 11.42% | $3.46B |
| Q4 2025 | 13.26% | 13.26% | 14.24% | 11.57% | $3.50B |
| Q1 2026 | 13.76% | 13.76% | 14.78% | 12.02% | $3.48B |
| Q2 2026 | 13.93% | 13.93% | 14.94% | 12.80% | $3.56B |
California Bank of Commerce, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock California Bank of Commerce, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full California Bank of Commerce, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57044) · FFIEC NIC profile (RSSD 3076453)