Chino Commercial Bank, N.A.
Also written as CCB
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Data as of · sourced from FFIEC call reports. How we update
Chino Commercial Bank, N.A. is an FDIC-insured commercial bank headquartered in Chino, CA, supervised by the OCC, with $516.7M in total assets at Q2 2026, up 7.3% from Q2 2025, the 77th largest of 113 banks headquartered in California. It was established in 2000 and holds FDIC certificate 35366. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.51% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 35366
- Headquarters
- Chino, CA
- Established
- 2000
- Total assets, Q2 2026
- $516.7M
- Assets vs Q2 2025
- +7.3%
- Tier 1 leverage ratio, Q2 2026
- 12.51%
- Domestic offices
- 5 · Chino Commercial Bank, N.A. branches FDIC institution directory, current count
- Routing number
- 122243062
- Safety and soundness
- Is Chino Commercial Bank, N.A. safe?
- Latest call report
- Q2 2026, FFIEC 051 · Chino Commercial Bank, N.A. Q3 2026 call report, filed October 23, 2026 (preliminary)
- Holding company
- CHINO COMMERCIAL BANCORP
- Asset rank in state
- 77th of 113 in California
Chino Commercial Bank, N.A., based in Chino, California, reported $517 million in assets at June 30, 2026, up 7.3% from a year earlier. It pays an average of 1.05% on its deposits and borrowings, lower than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 1.80%). It also grew its loan book 16.3% over the year, about triple the median of 5.5% for banks its size.
Net income for the quarter rose 15% from a year earlier, to $2.0 million. Over the same year, loans grew 16.3% and deposits grew 4.9%.
As of June 30, 2026, Chino Commercial Bank, N.A. reported a return on assets of 1.66%, a nonperforming-loan ratio of 0.49% and a Texas ratio of 1.90%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, Chino Commercial Bank, N.A. is the 77th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 10.9% to $516.7M, loans rose 3.1% and deposits rose 2.4%. Non-owner-occupied commercial real estate loans made up 40.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 36.8%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in CA; its Chino office books 47% of its branch deposits. By the capital ratios in its Q2 2026 call report, Chino Commercial Bank, N.A. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 14245 Pipeline Ave, Chino, CA 91710
- County
- San Bernardino
- Metro Area
- Riverside-San Bernardino-Ontario, 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
- September 1, 2000
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 66
- Domestic deposits
- $397.2M
- Allowance for credit losses
- $5.2M
- Net charge-offs (YTD)
- -$11K
- Average total assets
- $468.8M
- Average total loans
- $237.4M
- Average interest-bearing deposits
- $317.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 1, 2000
- FDIC Cert
- 35366
- Fed RSSD
- 2925620
- SEC CIK
- 1365794 → filed by CHINO COMMERCIAL BANCORP
- Website
- www.chinocommercialbank.com →
- Parent Holding Company
- CHINO COMMERCIAL BANCORP (RSSD 3441275)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Chino Commercial Bank, N.A. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Chino Commercial Bank, N.A.'s total assets ran between $446.8M (Q4 2023) and $516.7M (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
$516.7M total assets against $481.6M; $459.6M total liabilities against $430.6M.
$234.1M net loans and leases against $201.1M; $397.2M total deposits against $378.8M.
$193.2M securities against $199.3M; $63.8M cash and balances due against $56.9M.
$5.9M total interest income against $5.3M; $1.4M total interest expense against $1.4M.
$4.5M net interest income against $4.0M.
$885K total noninterest income against $915K; $2.7M total noninterest expense against $2.6M.
$0 provision for credit losses against $0.
$2.0M net income against $1.7M.
1.66% return on assets against 1.54%; 4.01% net interest margin against 3.77%.
12.51% tier 1 leverage ratio against 12.08%.
Inside the full Chino Commercial Bank, 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Chino Commercial Bank, N.A. rankings
Its closest position to the top of a national ranking is 753 of 3,606, for efficiency ratio; its furthest is 2,299 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.23% (Q3 2024) to 1.66% (Q2 2026) and its net interest margin ran from 3.22% (Q3 2024) to 4.16% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.51% | 1.66% | 0.49% | 1.90% | 4.01% |
| Q1 2026 | 12.36% | 1.58% | 0.51% | 1.97% | 4.16% |
| Q4 2025 | 12.26% | 1.36% | 0.32% | 1.19% | 3.91% |
| Q3 2025 | 12.16% | 1.52% | 0.40% | 1.44% | 3.91% |
| Q2 2025 | 12.08% | 1.54% | 0.41% | 1.50% | 3.77% |
| Q1 2025 | 11.64% | 1.36% | 0.54% | 2.05% | 3.57% |
| Q4 2024 | 11.01% | 1.36% | 0.60% | 2.31% | 3.58% |
| Q3 2024 | 10.53% | 1.23% | 0.23% | 0.87% | 3.22% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 |
|---|---|---|---|
| Chino Commercial Bank, N.A. | Chino , CA | 91710 | $188.4M |
| Ontario Branch Office | Ontario , CA | 91761 | $80.9M |
| Rancho Cucamonga Branch | Rancho Cucamonga , CA | 91730 | $59.8M |
| Upland Branch | Upland , CA | 91786 | $45.4M |
| Corona Branch | Corona , CA | 92879 | $22.6M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC); 9 against individuals associated with it
- April 12, 2011, OCC: Formal Agreement: Chino Commercial Bank, National Association
- Period: Most recent institution action April 12, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CA, rank 115 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, 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 Chino Commercial Bank, N.A.
What are Chino Commercial Bank, N.A.'s total assets?
As of the Q2 2026 filing, Chino Commercial Bank, N.A. reported total assets of $516.7 million in its FFIEC call report.
Where is Chino Commercial Bank, N.A. headquartered?
It is headquartered in Chino, CA, United States.
When was Chino Commercial Bank, N.A. founded?
It was established in 2000, per the FDIC institution directory.
Is Chino Commercial Bank, N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35366). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Chino Commercial Bank, N.A.?
Chino Commercial Bank, N.A.'s primary federal regulator is the OCC.
How many branches does Chino Commercial Bank, 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 Chino Commercial Bank, N.A.'s Texas Ratio?
Its Texas Ratio is 1.90% 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.
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