Commonwealth Business 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 Reserve coverage of non-performing loans: 8.02 percentage points lower than in Q1 2026, at 60.46%. Within California, Commonwealth Business Bank is 60th of 114 on return on assets, 1.03% as of Q2 2026, below the middle of the field. Commonwealth Business Bank reported 1.03% on return on assets for Q2 2026, 0.25 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.65% |
| Tier 1 risk-based capital ratio | 18.65% |
| Total risk-based capital ratio | 19.87% |
| Tier 1 leverage ratio | 13.93% |
| Equity capital to assets | 14.01% |
| Tangible equity to tangible assets | 13.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.88% |
| Non-performing assets ratio | 1.52% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 10.31% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 60.46% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.03% |
| Return on equity | 7.36% |
| Net interest margin | 3.21% |
| Efficiency ratio | 59.33% |
| Yield on earning assets | 5.92% |
| Cost of funds | 3.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.56% |
| Core deposits to total deposits | 67.17% |
| Brokered deposits to total deposits | 1.80% |
| Deposits to assets | 84.65% |
| Securities to assets | 3.23% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.57% | 17.57% | 18.79% | 12.50% | 1.50% |
| Q4 2023 | 18.05% | 18.05% | 19.27% | 12.96% | 1.59% |
| Q1 2024 | 18.65% | 18.65% | 19.91% | 13.84% | 1.35% |
| Q2 2024 | 18.28% | 18.28% | 19.50% | 14.45% | 1.35% |
| Q3 2024 | 18.95% | 18.95% | 20.18% | 14.58% | 1.35% |
| Q4 2024 | 18.95% | 18.95% | 20.16% | 14.07% | 1.31% |
| Q1 2025 | 19.05% | 19.05% | 20.18% | 14.00% | 1.01% |
| Q2 2025 | 18.94% | 18.94% | 20.09% | 14.45% | 1.02% |
| Q3 2025 | 19.22% | 19.22% | 20.42% | 14.32% | 1.02% |
| Q4 2025 | 19.01% | 19.01% | 20.20% | 13.23% | 0.92% |
| Q1 2026 | 19.22% | 19.22% | 20.45% | 13.76% | 1.18% |
| Q2 2026 | 18.65% | 18.65% | 19.87% | 13.93% | 1.03% |
Commonwealth Business Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Commonwealth Business 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 Commonwealth Business Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57873) · FFIEC NIC profile (RSSD 3337097)