Bank Comparison
Banc of California vs Commerce Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
6 · 18
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Banc of California | Commerce Bank |
|---|---|---|
| CET1 Ratio | 13.50% | 15.39% |
| Tier 1 Capital Ratio | 13.50% | 15.39% |
| Total Capital Ratio | 15.97% | 16.21% |
| Tier 1 Leverage Ratio | 10.73% | 11.31% |
| Equity / Assets | 11.29% | 10.78% |
Profitability
| Metric | Banc of California | Commerce Bank |
|---|---|---|
| Return on Assets (ROA) | 0.95% | 1.49% |
| Return on Equity (ROE) | 8.31% | 14.97% |
| Net Interest Margin (NIM) | 3.32% | 3.53% |
| Yield on Earning Assets | 5.13% | 4.68% |
| Cost of Funds | 1.89% | 1.29% |
Asset quality
| Metric | Banc of California | Commerce Bank |
|---|---|---|
| Texas Ratio | 15.71% | 3.81% |
| Non-Performing Loan Ratio | 2.34% | 0.56% |
| Non-Performing Asset Ratio | 1.74% | 0.33% |
| Net Charge-Off Ratio | 0.23% | 0.31% |
| ACL / Loans | 0.96% | 0.97% |
Balance sheet
| Metric | Banc of California | Commerce Bank |
|---|---|---|
| Total Assets | $34,642M | $35,540M |
| Total Deposits | $27,440M | $28,638M |
| Total Loans | $25,039M | $20,463M |
| Total Equity | $3,909M | $3,831M |
| Net Income (quarter) | $80,722K | $133,109K |
Liquidity & funding
| Metric | Banc of California | Commerce Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 91.25% | 71.45% |
| Core Deposit Ratio | 96.55% | 97.67% |
| Uninsured Deposit Ratio | 29.85% | 39.04% |
Identity
| Metric | Banc of California | Commerce Bank |
|---|---|---|
| Headquarters City | LOS ANGELES | KANSAS CITY |
| Headquarters State | CA | MO |
| Asset Tier | Regional | Regional |
| Charter Class | 0 | 15985 |
| Regulator | FED | OCC |
| Domestic Branches | 88 | 142 |
| Employees (FTE) | 1,941 | 4,797 |
| Established | Aug. 26, 1982, midnight | Jan. 1, 1865, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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