Commonwealth Business Bank
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Data as of · sourced from FFIEC call reports. How we update
Commonwealth Business Bank is an FDIC-insured commercial bank headquartered in Los Angeles, CA, established in 2005 (FDIC certificate 57873), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.97B, up 8.3% from Q2 2025, the 44th largest of 113 banks headquartered in California. Its CET1 capital ratio was 18.65% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 57873
- Headquarters
- Los Angeles, CA
- Established
- 2005
- Total assets, Q2 2026
- $1.97B
- Assets vs Q2 2025
- +8.3%
- CET1 ratio, Q2 2026
- 18.65%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 122043864
- Latest call report
- Q2 2026, FFIEC 051 · Commonwealth Business Bank call report
- Holding company
- CBB BANCORP, INC.
- Asset rank in state
- 44th of 113 in California
Problem loans are rising at Commonwealth Business Bank. It reported $2.0 billion in assets at June 30, 2026, up 8.3% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.34% of loans from 0.94% a year earlier. It pays an average of 3.14% on its deposits and borrowings, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 2.01%). On the other hand, it funds 13.93% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.52%).
Deposits are coming in faster than loans: over the year loans rose 4.2% and deposits rose 9.1%. Its $658 million non-owner-occupied commercial real estate book is improving, with 1.31% past due or on nonaccrual, down from 2.36% a year earlier. Profitability lags: it returns 7.4% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.6%).
As of June 30, 2026, Commonwealth Business Bank reported a CET1 capital ratio of 18.65%, a return on assets of 1.03%, a nonperforming-loan ratio of 1.88% and a Texas ratio of 7.47%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Commonwealth Business Bank is the 44th largest of the 113 banks headquartered in California. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.2% to $1.97B, loans rose 3.9% and deposits fell 1.3%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 43.2% of total loans, ahead of owner-occupied commercial real estate loans at 36.9%. Its 13 offices in the FDIC Summary of Deposits are in 10 cities across 5 states; its Los Angeles 3 offices book 44% of its branch deposits. Judged on its Q2 2026 call report, Commonwealth Business Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3435 Wilshire Blvd, Los Angeles, CA 90010
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 3, 2005
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 178
- Domestic deposits
- $1.66B
- Allowance for credit losses
- $17.4M
- Net charge-offs (YTD)
- -$12K
- Average total assets
- $1.96B
- Average total loans
- $1.50B
- Average interest-bearing deposits
- $1.35B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 3, 2005
- FDIC Cert
- 57873
- Fed RSSD
- 3337097
- Website
- www.cbb-bank.com →
- Parent Holding Company
- CBB BANCORP, INC. (RSSD 5124938)
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, Commonwealth Business Bank's total assets ranged from $1.65B (Q2 2024) to $2.01B (Q4 2025), 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
$1.97B total assets against $1.81B; $1.69B total liabilities against $1.55B.
$1.51B net loans and leases against $1.45B; $1.66B total deposits against $1.53B.
$63.5M securities against $65.5M; $347.5M cash and balances due against $247.3M.
$28.4M total interest income against $27.4M; $13.0M total interest expense against $12.3M.
$15.4M net interest income against $15.0M.
$3.1M total noninterest income against $2.1M; $11.0M total noninterest expense against $10.0M.
$500K provision for credit losses against $590K.
$5.0M net income against $4.6M.
1.03% return on assets against 1.02%; 3.21% net interest margin against 3.45%.
18.65% CET1 capital ratio against 18.94%; 13.93% tier 1 leverage ratio against 14.45%.
Inside the full Commonwealth Business 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Commonwealth Business Bank rankings
Its closest position to the top of a national ranking is 604 of 4,196, for total assets; its furthest is 2,441 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.92% (Q4 2025) to 1.35% (Q3 2024) and its net interest margin ran from 3.09% (Q1 2026) to 3.73% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.65% | 1.03% | 1.88% | 7.47% | 3.21% |
| Q1 2026 | 19.22% | 1.18% | 1.68% | 7.96% | 3.09% |
| Q4 2025 | 19.01% | 0.92% | 1.53% | 7.70% | 3.18% |
| Q3 2025 | 19.22% | 1.02% | 1.76% | 5.92% | 3.52% |
| Q2 2025 | 18.94% | 1.02% | 1.74% | 6.11% | 3.45% |
| Q1 2025 | 19.05% | 1.01% | 1.38% | 4.38% | 3.33% |
| Q4 2024 | 18.95% | 1.31% | 1.63% | 4.56% | 3.57% |
| Q3 2024 | 18.95% | 1.35% | 1.03% | 3.30% | 3.73% |
Swipe the table sideways to see every column.
Branch Network
View all 13 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 |
|---|---|---|---|
| Commonwealth Business Bank (main office) | Los Angeles , CA | 90010 | $432.4M |
| Kapiolani Branch | Honolulu , HI | 96814 | $241.8M |
| Downtown Center | Los Angeles , CA | 90021 | $177.1M |
| FullertonBuena Park Branch | Buena Park , CA | 90621 | $161.5M |
| Irvine Branch | Irvine , CA | 92604 | $132.0M |
| Commonwealth Business Bank Olympic Branch | Los Angeles , CA | 90006 | $130.8M |
| South Bay Branch | Torrance , CA | 90505 | $85.2M |
| Fort Lee Branch | Fort Lee , NJ | 07024 | $76.9M |
| Dallas Branch | Dallas , TX | 75229 | $59.5M |
| Carrollton Branch | Carrollton , TX | 75007 | $57.8M |
| Kalihi Branch | Honolulu , HI | 96817 | $43.0M |
| Pearl City Branch | Aiea , HI | 96701 | $36.1M |
| Flushing Branch | Flushing , NY | 11354 | $30.4M |
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 |
|---|---|---|---|
| July 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2021 | Structure Change | Acquired Ohana Pacific 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 76 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 104 loans, $120.6M approved, $1.2M 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, 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 Commonwealth Business Bank
What are Commonwealth Business Bank's total assets?
As of the Q2 2026 filing, Commonwealth Business Bank reported total assets of $1.97 billion in its FFIEC call report.
Where is Commonwealth Business Bank headquartered?
It is headquartered in Los Angeles, CA, United States.
When was Commonwealth Business Bank founded?
It was established in 2005, per the FDIC institution directory.
Is Commonwealth Business Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57873). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commonwealth Business Bank?
Commonwealth Business Bank's primary federal regulator is the Federal Reserve.
What is Commonwealth Business Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.65% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Commonwealth Business Bank operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commonwealth Business Bank's Texas Ratio?
Its Texas Ratio is 7.47% 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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