Community Commerce Bank
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Data as of · sourced from FFIEC call reports. How we update
Community Commerce Bank is an FDIC-insured commercial bank headquartered in Claremont, CA, established in 1976 (FDIC certificate 26363), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $422.7M, up 6.4% from Q2 2025, the 82nd largest of 113 banks headquartered in California. Its CET1 capital ratio was 18.10% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26363
- Headquarters
- Claremont, CA
- Established
- 1976
- Total assets, Q2 2026
- $422.7M
- Assets vs Q2 2025
- +6.4%
- CET1 ratio, Q2 2026
- 18.10%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 322271407
- Latest call report
- Q2 2026, FFIEC 051 · Community Commerce Bank call report
- Holding company
- EAST LOS ANGELES COMMUNITY UNION, THE
- Asset rank in state
- 82nd of 113 in California
Community Commerce Bank pays more for its money than most banks of its size. The Claremont, California bank had $423 million in assets at June 30, 2026, up 6.4% from a year earlier. It pays an average of 3.86% 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. On the other hand, it funds 15.25% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
Net income for the quarter rose 14% from a year earlier, to $826,000. Profitability lags: it returns 5.2% a year on shareholders' equity, about a third the median of 12.5% for banks its size.
As of June 30, 2026, Community Commerce Bank reported a CET1 capital ratio of 18.10%, a return on assets of 0.80%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 4.03%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, Community Commerce Bank is the 82nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.2% to $422.7M, loans rose 2.8% and deposits rose 1.8%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 38.3% of total loans, followed by auto loans at 36.6%. The FDIC Summary of Deposits lists 4 offices for it, in Claremont, CA, Monterey Park, CA and Tarzana, CA; its Claremont 2 offices book 51% of its branch deposits. On its Q2 2026 call report, Community Commerce Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 358 W Foothill Blvd, Claremont, CA 91711
- County
- Los Angeles
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 1, 1976
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 35
- Domestic deposits
- $317.5M
- Allowance for credit losses
- $3.6M
- Net charge-offs (YTD)
- $36K
- Average total assets
- $415.3M
- Average total loans
- $312.8M
- Average interest-bearing deposits
- $314.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- September 10, 1985
- FDIC Cert
- 26363
- Fed RSSD
- 299868
- Website
- www.ccombank.com →
- Parent Holding Company
- EAST LOS ANGELES COMMUNITY UNION, THE (RSSD 4805472)
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
Over the 12 quarters to Q2 2026, Community Commerce Bank's total assets ran between $375.5M (Q3 2023) and $422.7M (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
$422.7M total assets against $397.1M; $359.4M total liabilities against $335.7M.
$314.1M net loans and leases against $290.5M; $317.5M total deposits against $298.5M.
$3.7M securities against $4.2M; $64.1M cash and balances due against $67.4M.
$6.3M total interest income against $6.1M; $3.3M total interest expense against $3.3M.
$3.0M net interest income against $2.8M.
$222K total noninterest income against $325K; $1.9M total noninterest expense against $2.3M.
$200K provision for credit losses against $11K.
$826K net income against $726K.
0.80% return on assets against 0.74%; 3.19% net interest margin against 3.12%.
18.10% CET1 capital ratio against 19.10%; 15.25% tier 1 leverage ratio against 15.69%.
Inside the full Community Commerce 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.
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 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.
Community Commerce Bank rankings
Its closest position to the top of a national ranking is 473 of 2,134, for CET1 ratio; its furthest is 2,900 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.55% (Q1 2025) to 0.93% (Q3 2024) and its net interest margin ran from 2.98% (Q4 2024) to 3.26% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.10% | 0.80% | 0.00% | 4.03% | 3.19% |
| Q1 2026 | 18.46% | 0.77% | 0.00% | 4.07% | 3.17% |
| Q4 2025 | 18.68% | 0.67% | 0.01% | 4.16% | 3.26% |
| Q3 2025 | 19.32% | 0.85% | 0.00% | 4.13% | 3.13% |
| Q2 2025 | 19.10% | 0.74% | 0.00% | 4.17% | 3.12% |
| Q1 2025 | 19.27% | 0.55% | 0.00% | 4.20% | 2.99% |
| Q4 2024 | 18.90% | 0.56% | 0.00% | 4.24% | 2.98% |
| Q3 2024 | 18.97% | 0.93% | 0.03% | 4.40% | 3.25% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Community Commerce Bank (main office) | Claremont , CA | 91711 | $101.1M |
| Monterey Park Branch | Monterey Park , CA | 91754 | $90.5M |
| Tarzana | Tarzana , CA | 91356 | $66.4M |
| Claremont Branch | Claremont , CA | 91711 | $59.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 121 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $569K approved, $569K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (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 Community Commerce Bank
What are Community Commerce Bank's total assets?
As of the Q2 2026 filing, Community Commerce Bank reported total assets of $422.7 million in its FFIEC call report.
Where is Community Commerce Bank headquartered?
It is headquartered in Claremont, CA, United States.
When was Community Commerce Bank founded?
It was established in 1976, per the FDIC institution directory.
Is Community Commerce Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26363). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community Commerce Bank?
Community Commerce Bank's primary federal regulator is the FDIC.
What is Community Commerce Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.10% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Community Commerce Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community Commerce Bank's Texas Ratio?
Its Texas Ratio is 4.03% 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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