Commercial Bank of California: 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 Retained earnings: 8.0% higher than in Q1 2026, at $151.8M. On CET1 ratio, Commercial Bank of California is 7th from the bottom among 74 California banks, 11.78% (Q2 2026). Commercial Bank of California reported 11.78% on CET1 ratio for Q2 2026, 1.70 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.78% |
| Tier 1 risk-based capital ratio | 11.78% |
| Total risk-based capital ratio | 12.85% |
| Tier 1 leverage ratio | 9.27% |
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 | $369.6M |
| Tier 1 capital | $369.6M |
| Total risk-based capital | $403.2M |
| Total equity capital | $360.1M |
| Risk-weighted assets | $3.14B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 9.05% |
| Tangible equity to tangible assets | 8.70% |
| Equity capital to average assets | 9.01% |
| Internal capital growth rate | 12.85% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $44.5M |
| Common stock surplus | $185.7M |
| Retained earnings | $151.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$21.9M |
| 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 | 10.00% | 10.00% | 11.09% | 8.20% | $1.88B |
| Q4 2023 | 9.84% | 9.84% | 10.86% | 8.18% | $1.97B |
| Q1 2024 | 10.04% | 10.04% | 11.04% | 7.73% | $1.99B |
| Q2 2024 | 10.52% | 10.52% | 11.54% | 7.96% | $1.95B |
| Q3 2024 | 10.44% | 10.44% | 11.46% | 7.92% | $2.02B |
| Q4 2024 | 10.57% | 10.57% | 11.65% | 9.50% | $2.90B |
| Q1 2025 | 10.78% | 10.78% | 11.86% | 8.85% | $2.91B |
| Q2 2025 | 11.00% | 11.00% | 12.10% | 8.72% | $2.94B |
| Q3 2025 | 11.20% | 11.20% | 12.26% | 8.81% | $3.00B |
| Q4 2025 | 11.41% | 11.41% | 12.50% | 9.29% | $3.05B |
| Q1 2026 | 11.50% | 11.50% | 12.56% | 9.60% | $3.11B |
| Q2 2026 | 11.78% | 11.78% | 12.85% | 9.27% | $3.14B |
Commercial Bank of California regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Bank of California, 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 Commercial Bank of California profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57417) · FFIEC NIC profile (RSSD 3189063)