California Bank of Commerce, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Asset quality shifted last quarter, NPLs fell to 1.12% from 1.84% in the prior period. This quarter marks the 25-year anniversary of California Bank of Commerce's 2001 charter. Headquartered in San Diego, California Bank of Commerce, N.A. serves the California market as a community-focused commercial bank, in the San Diego metropolitan region. California Bank of Commerce's Q2 2026 balance sheet shows $4.0B in assets funded primarily by $3.4B in customer deposits. The bank posts a strong 1.49% ROA and 9.75% ROE. Capital cushions are healthy: 13.93% CET1, 12.80% Tier 1 leverage. Asset quality is solid, 1.12% nonperforming loans and a 8.27% Texas Ratio. Its footprint covers 14 branches concentrated in California.
As of June 30, 2026, California Bank of Commerce, N.A. reported a CET1 capital ratio of 13.93%, a return on assets of 1.49%, a nonperforming-loan ratio of 1.12%, a Texas ratio of 8.27%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 12265 El Camino Real, San Diego, CA 92130
- County
- San Diego
- Metro Area
- San Diego-Chula Vista-Carlsbad, CA
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- 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
- December 18, 2001
- Former names
- Bank of Southern California, National Association (2023-2024); First Business Bank, National Association (2006-2010); Ramona National Bank (2001-2006)
- Offices
- 14 domestic
- Employees (FTE)
- 300
- Domestic deposits
- $3.36B
- Allowance for credit losses
- $34.9M
- Net charge-offs (YTD)
- $157K
- Average total assets
- $4.00B
- Average total loans
- $3.04B
- Average interest-bearing deposits
- $2.11B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- December 18, 2001
- FDIC Cert
- 57044
- Fed RSSD
- 3076453
- SEC CIK
- 1795815 → filed by CALIFORNIA BANCORP
- Parent Holding Company
- CALIFORNIA BANCORP (RSSD 5443938) · BCAL
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Rainer David I | CEO | Chairman and CEO |
| Dolan Thomas G. | CFO | EVP / Bancorp CFO/ CSO |
| Wirfel Michelle | COO | EVP, Chief Operating Officer |
| Hernandez Richard | PRES | President |
| Liska Martin | CRO | EVP / Chief Risk Officer |
| Nutz Peter | CCO | EVP/ Chief Credit Officer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full California Bank of Commerce, N.A. terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock California Bank of Commerce, N.A., 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.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios. BankRegReports early-warning band.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
California Bank of Commerce, N.A. rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for California Bank of Commerce, N.A.: Uninsured deposits.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.93% | 1.49% | 1.12% | 8.27% | 4.79% |
| Q1 2026 | 13.76% | 1.40% | 1.84% | 12.53% | 4.50% |
| Q4 2025 | 13.26% | 1.63% | 1.75% | 10.75% | 4.54% |
| Q3 2025 | 12.94% | 1.64% | 1.44% | 8.90% | 4.66% |
| Q2 2025 | 13.22% | 1.55% | 1.15% | 6.94% | 4.74% |
| Q1 2025 | 13.29% | 1.79% | 1.27% | 8.44% | 4.72% |
| Q4 2024 | 12.40% | 1.70% | 1.60% | 11.09% | 4.79% |
| Q3 2024 | 11.37% | -1.72% | 0.79% | 6.20% | 4.53% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 14 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| California Bank of Commerce Branch | Walnut Creek , CA | 94597 | $1.28B |
| California Bank of Commerce, N.A. (main office) | San Diego , CA | 92130 | $325.9M |
| West L.A. Branch | Los Angeles , CA | 90025 | $302.2M |
| Santa Clarita Branch | Santa Clarita , CA | 91355 | $282.9M |
| Glendale Branch | Glendale , CA | 91203 | $172.9M |
| Encino Branch | Encino , CA | 91436 | $168.1M |
| Irvine Branch | Irvine , CA | 92618 | $133.9M |
| Carlsbad Branch | Carlsbad , CA | 92010 | $127.5M |
| Rancho Santa Margarita Branch | Rancho Santa Margarita , CA | 92688 | $123.7M |
| Downtown San Diego Branch | San Diego , CA | 92101 | $122.5M |
| Westlake Village Branch | Westlake Village , CA | 91361 | $112.1M |
| Rancho Mirage Branch | Rancho Mirage , CA | 92270 | $98.5M |
| La Quinta Branch | La Quinta , CA | 92253 | $56.6M |
| Ramona Branch | Ramona , CA | 92065 | $55.2M |
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 |
|---|---|---|---|
| August 1, 2024 | Structure Change | Acquired California Bank of Commerce Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 2, 2021 | Structure Change | Acquired Bank of Santa Clarita Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 2020 | Structure Change | Acquired Calwest Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2018 | Structure Change | Acquired Americas United Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 8, 2014 | Structure Change | Acquired Frontier Bank, FSB dba El Paseo Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 7, 2014 | Merger | Participated in FDIC Assisted Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
What the public regulatory sources show for California Bank of Commerce, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- December 14, 2005, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Ramona National Bank
- Period: Most recent institution action December 14, 2005. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in CA, rank 45 of 171 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about California Bank of Commerce, N.A.
What are California Bank of Commerce, N.A.'s total assets?
As of the Q2 2026 filing, California Bank of Commerce, N.A. reported total assets of $4.02 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is California Bank of Commerce, N.A. headquartered?
California Bank of Commerce, N.A. is headquartered in San Diego, CA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was California Bank of Commerce, N.A. founded?
California Bank of Commerce, N.A. was established in 2001, per the FDIC institution directory.
Is California Bank of Commerce, N.A. FDIC-insured?
Yes. California Bank of Commerce, N.A. is an FDIC-insured commercial bank (FDIC Certificate #57044). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates California Bank of Commerce, N.A.?
California Bank of Commerce, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is California Bank of Commerce, N.A.'s CET1 capital ratio?
California Bank of Commerce, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 13.93% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does California Bank of Commerce, N.A. operate?
California Bank of Commerce, N.A. operates 14 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is California Bank of Commerce, N.A.'s Texas Ratio?
California Bank of Commerce, N.A.'s Texas Ratio is 8.27% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was California Bank of Commerce, N.A. previously called?
The charter now named California Bank of Commerce, N.A. has also operated as Bank of Southern California, National Association (2023-2024), First Business Bank, National Association (2006-2010), Ramona National Bank (2001-2006), per FDIC structure-change records.
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