Commercial Capital Bank
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Data as of · sourced from FFIEC call reports. How we update
Commercial Capital Bank is an FDIC-insured commercial bank headquartered in Delhi, LA, established in 1999 (FDIC certificate 34784), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $611.4M, up 24.5% from Q2 2025, the 35th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.45% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34784
- Headquarters
- Delhi, LA
- Established
- 1999
- Total assets, Q2 2026
- $611.4M
- Assets vs Q2 2025
- +24.5%
- Tier 1 leverage ratio, Q2 2026
- 11.45%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 111105302
- Latest call report
- Q2 2026, FFIEC 051 · Commercial Capital Bank call report
- Holding company
- CAPITAL BANCORP, INC.
- Asset rank in state
- 35th of 102 in Louisiana
Problem loans are rising at Commercial Capital Bank. It reported $611 million in assets at June 30, 2026, up 24.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 5.66% of loans from 2.75% a year earlier. It pays an average of 3.44% on its deposits and borrowings, about double the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 41.6% of the capital and reserves that would absorb them, 15.7 times the median of 2.6% for banks its size.
Loans are outrunning deposits: over the year loans rose 29.8% and deposits rose 13.3%.
As of June 30, 2026, Commercial Capital Bank reported a return on assets of 1.99%, a nonperforming-loan ratio of 5.66% and a Texas ratio of 41.58%. The figures come from its call report filed with the FFIEC.
Commercial Capital Bank ranks as the 35th largest of the 102 banks based in Louisiana, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 7.3% to $611.4M, loans rose 10.7% and deposits rose 1.2%. Owner-occupied commercial real estate loans made up 19.4% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 15.4%. The FDIC Summary of Deposits lists 9 offices for it, in 8 cities across 2 states; its Delhi office books 54% of its branch deposits. On its Q2 2026 call report, Commercial Capital Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 311 Broadway St, Delhi, LA 71232
- County
- Richland
- Metro Area
- Monroe, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 22, 1999
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 62
- Domestic deposits
- $453.3M
- Allowance for credit losses
- $5.0M
- Net charge-offs (YTD)
- $646K
- Average total assets
- $548.1M
- Average total loans
- $493.3M
- Average interest-bearing deposits
- $334.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 22, 1999
- FDIC Cert
- 34784
- Fed RSSD
- 2756730
- Website
- www.comcapbank.com →
- Parent Holding Company
- CAPITAL BANCORP, INC. (RSSD 2757111)
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, Commercial Capital Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Commercial Capital Bank's total assets moved between a low of $283.6M (Q4 2023) and a high of $611.4M (Q2 2026) from Q3 2023 to 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
$611.4M total assets against $491.2M; $546.3M total liabilities against $436.2M.
$485.7M net loans and leases against $374.7M; $453.3M total deposits against $400.0M.
$32.5M securities against $28.5M; $68.8M cash and balances due against $69.6M.
$9.4M total interest income against $8.8M; $3.6M total interest expense against $3.3M.
$5.8M net interest income against $5.5M.
$594K total noninterest income against $518K; $3.1M total noninterest expense against $2.7M.
$517K provision for credit losses against $503K.
$2.7M net income against $2.8M.
1.99% return on assets against 2.43%; 4.18% net interest margin against 4.76%.
11.45% tier 1 leverage ratio against 11.64%.
Inside the full Commercial Capital Bank 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial Capital Bank rankings
Its closest position to the top of a national ranking is 25 of 3,640, for Texas Ratio; its furthest is 1,531 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.18% (Q3 2025) to 2.75% (Q3 2024) and its net interest margin ran from 3.98% (Q3 2025) to 5.24% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.45% | 1.99% | 5.66% | 41.58% | 4.18% |
| Q1 2026 | 11.56% | 2.06% | 3.98% | 26.68% | 4.43% |
| Q4 2025 | 12.18% | 1.99% | 2.47% | 23.09% | 4.43% |
| Q3 2025 | 10.63% | 1.18% | 2.50% | 22.80% | 3.98% |
| Q2 2025 | 11.64% | 2.43% | 2.75% | 18.34% | 4.76% |
| Q1 2025 | 10.44% | 2.48% | 1.40% | 10.52% | 4.54% |
| Q4 2024 | 11.24% | 2.15% | 2.76% | 18.90% | 4.75% |
| Q3 2024 | 11.09% | 2.75% | 2.62% | 18.68% | 5.24% |
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 Capital Bank (main office) | Delhi , LA | 71232 | $245.2M |
| Crossett Branch | Crossett , AR | 71635 | $68.0M |
| Oak Grove Branch | Oak Grove , LA | 71263 | $46.2M |
| 18th Street Branch | Monroe , LA | 71201 | $44.3M |
| Hamburg Branch | Hamburg , AR | 71646 | $20.0M |
| The Eudora Bank Main Office Branch | Eudora , AR | 71640 | $14.5M |
| Bastrop Branch | Bastrop , LA | 71220 | $8.0M |
| Columbia Branch | Columbia , LA | 71418 | $7.1M |
| North Crossette Drive Through Branch | Crossett , AR | 71635 | $0 |
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 |
|---|---|---|---|
| April 1, 2020 | M&A | Acquired First State Bank merger for the acquired bank | SEC |
| April 1, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2020 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in LA, rank 58 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $221K approved, $221K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Commercial Capital Bank
What are Commercial Capital Bank's total assets?
As of the Q2 2026 filing, Commercial Capital Bank reported total assets of $611.4 million in its FFIEC call report.
Where is Commercial Capital Bank headquartered?
It is headquartered in Delhi, LA, United States.
When was Commercial Capital Bank founded?
It was established in 1999, per the FDIC institution directory.
Is Commercial Capital Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34784). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commercial Capital Bank?
Commercial Capital Bank's primary federal regulator is the FDIC.
How many branches does Commercial Capital Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commercial Capital Bank's Texas Ratio?
Its Texas Ratio is 41.58% 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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