Chino Commercial Bank, 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.
Deposits to assets dropped 6.44 percentage points in Q2 2026, from 83.32% to 76.88%. It was the largest change from Q1 2026 among the key lines here. Within California, Chino Commercial Bank, N.A. is 21st of 114 on return on assets, 1.66% as of Q2 2026, above the middle of the field. Chino Commercial Bank, N.A. reported 1.66% on return on assets for Q2 2026, 0.41 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.51% |
| Equity capital to assets | 11.04% |
| Tangible equity to tangible assets | 11.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.49% |
| Non-performing assets ratio | 0.23% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 1.90% |
| Allowance for credit losses to loans | 2.15% |
| Reserve coverage of non-performing loans | 436.78% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.66% |
| Return on equity | 13.88% |
| Net interest margin | 4.01% |
| Efficiency ratio | 49.64% |
| Yield on earning assets | 5.28% |
| Cost of funds | 1.05% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.23% |
| Core deposits to total deposits | 96.57% |
| Brokered deposits to total deposits | 1.26% |
| Deposits to assets | 76.88% |
| Securities to assets | 37.38% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.60% | 1.23% | 3.12% | 1.17% | 0.00% |
| Q4 2023 | 9.95% | 1.21% | 3.12% | 1.16% | -0.03% |
| Q1 2024 | 9.47% | 1.14% | 2.97% | 1.20% | 0.04% |
| Q2 2024 | 10.47% | 1.22% | 3.07% | 0.24% | -0.03% |
| Q3 2024 | 10.53% | 1.23% | 3.22% | 1.09% | -0.03% |
| Q4 2024 | 11.01% | 1.36% | 3.58% | 0.60% | -0.32% |
| Q1 2025 | 11.64% | 1.36% | 3.57% | 0.54% | 0.01% |
| Q2 2025 | 12.08% | 1.54% | 3.77% | 0.41% | -0.02% |
| Q3 2025 | 12.16% | 1.52% | 3.91% | 0.40% | 0.01% |
| Q4 2025 | 12.26% | 1.36% | 3.91% | 0.32% | -0.01% |
| Q1 2026 | 12.36% | 1.58% | 4.16% | 0.51% | -0.01% |
| Q2 2026 | 12.51% | 1.66% | 4.01% | 0.49% | -0.01% |
Chino Commercial Bank, N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Chino Commercial Bank, 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 Chino Commercial Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35366) · FFIEC NIC profile (RSSD 2925620)