Community Commerce Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
The largest change between Q1 2026 and Q2 2026 was in Risk-weighted assets, which rose 2.9% to $350.0M. Community Commerce Bank ranks 24th of 74 California banks on CET1 ratio, in the upper half at 18.10% (Q2 2026). Community Commerce Bank reported 18.10% on CET1 ratio for Q2 2026, 3.01 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 18.10% |
| Tier 1 risk-based capital ratio | 18.10% |
| Total risk-based capital ratio | 19.13% |
| Tier 1 leverage ratio | 15.25% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $63.3M |
| Tier 1 capital | $63.3M |
| Total risk-based capital | $66.9M |
| Total equity capital | $63.3M |
| Risk-weighted assets | $350.0M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.99% |
| Tangible equity to tangible assets | 14.99% |
| Equity capital to average assets | 15.25% |
| Internal capital growth rate | 3.33% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.4M |
| Common stock surplus | $7.8M |
| Retained earnings | $54.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 19.92% | 19.92% | 21.07% | 16.05% | $296.3M |
| Q4 2023 | 19.44% | 19.44% | 20.56% | 15.78% | $304.7M |
| Q1 2024 | 18.92% | 18.92% | 20.00% | 15.70% | $314.9M |
| Q2 2024 | 18.91% | 18.91% | 19.98% | 15.32% | $316.8M |
| Q3 2024 | 18.97% | 18.97% | 20.04% | 15.40% | $318.9M |
| Q4 2024 | 18.90% | 18.90% | 19.96% | 15.44% | $321.5M |
| Q1 2025 | 19.27% | 19.27% | 20.34% | 15.36% | $316.7M |
| Q2 2025 | 19.10% | 19.10% | 20.16% | 15.69% | $321.6M |
| Q3 2025 | 19.32% | 19.32% | 20.38% | 15.63% | $320.8M |
| Q4 2025 | 18.68% | 18.68% | 19.70% | 15.64% | $333.8M |
| Q1 2026 | 18.46% | 18.46% | 19.46% | 15.28% | $340.3M |
| Q2 2026 | 18.10% | 18.10% | 19.13% | 15.25% | $350.0M |
Community Commerce Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Commerce Bank, freeSource: Call Report Schedule RC-R, 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 Community Commerce Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26363) · FFIEC NIC profile (RSSD 299868)