Commercial Capital Bank: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 9.25 percentage points higher than in Q1 2026, at 108.25%. Among 103 Louisiana banks, Commercial Capital Bank sits 10th from the top on return on assets, 1.99% as of Q2 2026. Commercial Capital Bank's return on assets of 1.99% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.74 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.45% |
| Equity capital to assets | 10.64% |
| Tangible equity to tangible assets | 10.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.59% |
| Non-performing assets ratio | 2.91% |
| Net charge-off ratio | 0.13% |
| Texas ratio | 41.58% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 28.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.99% |
| Return on equity | 16.96% |
| Net interest margin | 4.18% |
| Efficiency ratio | 49.01% |
| Yield on earning assets | 6.78% |
| Cost of funds | 3.44% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 108.25% |
| Core deposits to total deposits | 77.70% |
| Brokered deposits to total deposits | 4.41% |
| Deposits to assets | 74.15% |
| Securities to assets | 5.32% |
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 | 12.13% | 7.90% | 5.48% | 0.29% | 0.09% |
| Q4 2023 | 11.02% | 2.39% | 5.28% | 0.31% | 0.08% |
| Q1 2024 | 11.40% | 2.32% | 5.16% | 0.40% | 0.01% |
| Q2 2024 | 11.25% | 2.60% | 5.30% | 1.78% | 0.10% |
| Q3 2024 | 11.09% | 2.75% | 5.24% | 1.64% | 0.09% |
| Q4 2024 | 11.24% | 2.15% | 4.75% | 2.43% | -0.07% |
| Q1 2025 | 10.44% | 2.48% | 4.54% | 1.17% | -0.02% |
| Q2 2025 | 11.64% | 2.43% | 4.76% | 1.93% | 0.02% |
| Q3 2025 | 10.63% | 1.18% | 3.98% | 2.27% | -0.00% |
| Q4 2025 | 12.18% | 1.99% | 4.43% | 2.29% | 0.05% |
| Q1 2026 | 11.56% | 2.06% | 4.43% | 3.13% | 0.44% |
| Q2 2026 | 11.45% | 1.99% | 4.18% | 3.59% | 0.13% |
Commercial Capital Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercial Capital Bank, 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 Commercial Capital Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34784) · FFIEC NIC profile (RSSD 2756730)