California Bank of Commerce, N.A.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 38.23 percentage points higher than in Q1 2026, at 99.97%. Within California, California Bank of Commerce, N.A. is 26th of 114 on return on assets, 1.49% as of Q2 2026, above the middle of the field. California Bank of Commerce, N.A. reported 1.49% on return on assets for Q2 2026, 0.21 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.93% |
| Tier 1 risk-based capital ratio | 13.93% |
| Total risk-based capital ratio | 14.94% |
| Tier 1 leverage ratio | 12.80% |
| Equity capital to assets | 15.38% |
| Tangible equity to tangible assets | 12.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.12% |
| Non-performing assets ratio | 1.08% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 8.27% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 99.97% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.49% |
| Return on equity | 9.75% |
| Net interest margin | 4.79% |
| Efficiency ratio | 51.15% |
| Yield on earning assets | 5.98% |
| Cost of funds | 1.29% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.49% |
| Core deposits to total deposits | 97.69% |
| Brokered deposits to total deposits | 0.72% |
| Deposits to assets | 83.60% |
| Securities to assets | 8.99% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.36% | 12.36% | 13.28% | 11.69% | 1.17% |
| Q4 2023 | 12.61% | 12.61% | 13.51% | 11.65% | 0.79% |
| Q1 2024 | 13.14% | 13.14% | 14.12% | 12.03% | 0.90% |
| Q2 2024 | 13.29% | 13.29% | 14.34% | 12.16% | 0.08% |
| Q3 2024 | 11.37% | 11.37% | 12.53% | 12.41% | -1.72% |
| Q4 2024 | 12.40% | 12.40% | 13.55% | 11.15% | 1.70% |
| Q1 2025 | 13.29% | 13.29% | 14.42% | 12.15% | 1.79% |
| Q2 2025 | 13.22% | 13.22% | 14.30% | 12.13% | 1.55% |
| Q3 2025 | 12.94% | 12.94% | 14.06% | 11.42% | 1.64% |
| Q4 2025 | 13.26% | 13.26% | 14.24% | 11.57% | 1.63% |
| Q1 2026 | 13.76% | 13.76% | 14.78% | 12.02% | 1.40% |
| Q2 2026 | 13.93% | 13.93% | 14.94% | 12.80% | 1.49% |
California Bank of Commerce, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock California Bank of Commerce, N.A., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)