Commercial Bank of California
BankRegReports is independent of Commercial Bank of California and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Commercial Bank of California is an FDIC-insured commercial bank headquartered in Irvine, CA, supervised by the FDIC, with $3.98B in total assets at Q2 2026, up 7.6% from Q2 2025, the 28th largest of 113 banks headquartered in California. It was established in 2003 and holds FDIC certificate 57417. Its CET1 capital ratio was 11.78% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57417
- Headquarters
- Irvine, CA
- Established
- 2003
- Total assets, Q2 2026
- $3.98B
- Assets vs Q2 2025
- +7.6%
- CET1 ratio, Q2 2026
- 11.78%
- Domestic offices
- 10 · Commercial Bank of California branches FDIC institution directory, current count
- Routing number
- 122243596
- Safety and soundness
- Is Commercial Bank of California safe?
- Latest call report
- Q2 2026, FFIEC 051 · Commercial Bank of California call report
- Holding company
- CBC BANCORP
- Asset rank in state
- 28th of 113 in California
Commercial Bank of California, based in Irvine, California, reported $4.0 billion in assets at June 30, 2026, up 7.6% from a year earlier. It holds about two-thirds of its deposits (62%) above the FDIC insurance limit, about double the median of 30.9% for the 880 banks with $1 billion to $10 billion in assets. It also holds commercial real estate loans worth 4.7 times its capital, about double the median of 2.2 times for banks its size.
Earnings jumped: net income for the quarter was $13 million, 35% above the same quarter a year earlier. Over the same year, loans grew 6.2% and deposits grew 13.2%. Where it has less room is capital: it funds 9.27% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.49%).
As of June 30, 2026, Commercial Bank of California reported a CET1 capital ratio of 11.78%, a return on assets of 1.34%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 1.74%. The figures come from its call report filed with the FFIEC.
Commercial Bank of California ranks as the 28th largest of the 113 banks based in California, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.1% to $3.98B, loans rose 0.8% and deposits rose 1.9%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 46.3% of total loans, followed by multifamily loans at 17.8%. Its 9 offices in the FDIC Summary of Deposits are in 9 cities in CA; its Irvine office books 45% of its branch deposits. Judged on its Q2 2026 call report, Commercial Bank of California meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 19752 Macarthur Blvd, Irvine, CA 92612
- County
- Orange
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- May 15, 2003
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 311
- Domestic deposits
- $3.46B
- Allowance for credit losses
- $32.8M
- Net charge-offs (YTD)
- $825K
- Average total assets
- $4.00B
- Average total loans
- $2.78B
- Average interest-bearing deposits
- $2.16B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 15, 2003
- FDIC Cert
- 57417
- Fed RSSD
- 3189063
- SEC CIK
- 1838199 → filed by CBC BANCORP
- Website
- http://www.cbcal.com →
- Parent Holding Company
- CBC BANCORP (RSSD 2925406)
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
From Q3 2023 to Q2 2026, Commercial Bank of California's total assets ranged from $2.25B (Q3 2023) to $3.98B (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
$3.98B total assets against $3.70B; $3.62B total liabilities against $3.38B.
$2.75B net loans and leases against $2.59B; $3.46B total deposits against $3.05B.
$841.1M securities against $469.0M; $239.3M cash and balances due against $495.7M.
$55.2M total interest income against $51.8M; $18.4M total interest expense against $19.1M.
$36.8M net interest income against $32.6M.
$7.1M total noninterest income against $6.9M; $24.3M total noninterest expense against $24.5M.
$714K provision for credit losses against $1.1M.
$13.4M net income against $9.9M.
1.34% return on assets against 1.06%; 3.79% net interest margin against 3.60%.
11.78% CET1 capital ratio against 11.00%; 9.27% tier 1 leverage ratio against 8.72%.
Inside the full Commercial Bank of California 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).
Commercial Bank of California rankings
Its closest position to the top of a national ranking is 31 of 980, for uninsured deposits; its furthest is 1,784 of 2,134, for CET1 ratio.
Metric pages for Commercial Bank of California: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.03% (Q4 2024) to 1.36% (Q4 2025) and its net interest margin ran from 3.08% (Q3 2024) to 3.89% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.78% | 1.34% | 0.37% | 1.74% | 3.79% |
| Q1 2026 | 11.50% | 1.33% | 0.64% | 3.60% | 3.89% |
| Q4 2025 | 11.41% | 1.36% | 0.41% | 1.84% | 3.78% |
| Q3 2025 | 11.20% | 1.16% | 0.39% | 2.10% | 3.77% |
| Q2 2025 | 11.00% | 1.06% | 0.59% | 2.35% | 3.60% |
| Q1 2025 | 10.78% | 0.99% | 0.54% | 2.52% | 3.48% |
| Q4 2024 | 10.57% | 0.03% | 0.31% | 2.27% | 3.53% |
| Q3 2024 | 10.44% | 0.81% | 0.12% | 1.06% | 3.08% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| Commercial Bank of California (main office) | Irvine , CA | 92612 | $1.54B |
| Anaheim Branch | Anaheim , CA | 92806 | $396.8M |
| Orange County Branch | Costa Mesa , CA | 92626 | $329.1M |
| Community Bank of the Bay Branch | Oakland , CA | 94612 | $293.7M |
| Danville Branch | Danville , CA | 94526 | $236.1M |
| Fairfax Branch | Los Angeles , CA | 90036 | $209.9M |
| Santa Monica Branch Office | Santa Monica , CA | 90401 | $195.7M |
| San Mateo Branch | San Mateo , CA | 94402 | $147.9M |
| San Jose Branch | San Jose , CA | 95126 | $105.2M |
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 |
|---|---|---|---|
| November 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2024 | Structure Change | Acquired Community Bank of the Bay Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2016 | Structure Change | Acquired National Bank of California Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in CA, rank 43 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 8 applications, 8 loans originated, $21.3M originated, across 3 states
- Period: Calendar year 2023. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 29 loans, $42.3M approved, $1.5M 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
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Commercial Bank of California’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Commercial Bank of California
What are Commercial Bank of California's total assets?
As of the Q2 2026 filing, Commercial Bank of California reported total assets of $3.98 billion in its FFIEC call report.
Where is Commercial Bank of California headquartered?
It is headquartered in Irvine, CA, United States.
When was Commercial Bank of California founded?
It was established in 2003, per the FDIC institution directory.
Is Commercial Bank of California FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57417). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commercial Bank of California?
Commercial Bank of California's primary federal regulator is the FDIC.
What is Commercial Bank of California's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.78% in its Q2 2026 call report, above regulatory requirements.
How many branches does Commercial Bank of California operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commercial Bank of California's Texas Ratio?
Its Texas Ratio is 1.74% 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.
Go deeper on Commercial Bank of California.
Get an email when Commercial Bank of California files its next call report, and benchmark it against any peer you choose.
Unlock Commercial Bank of California, freeFree account