Commercial Bank of California: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Commercial Bank of California is the primary bank subsidiary of its parent holding company, headquartered in Irvine, CA. The Q2 2026 balance sheet stands at $4.0B in assets, including $2.8B in loans. Capital cushions are healthy: 11.78% CET1, 9.27% Tier 1 leverage. The bank posts a strong 1.34% ROA and 15.14% ROE. Credit metrics are in line with industry norms, 1.12% NPL ratio. It operates 10 branches, primarily in California.
As of June 30, 2026, Commercial Bank of California reported a CET1 capital ratio of 11.78%, a return on assets of 1.34%, a nonperforming-loan ratio of 1.12%, a Texas ratio of 9.17%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 19752 Macarthur Blvd, Irvine, CA 92612
- County
- Orange
- 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
- May 15, 2003
- Offices
- 10 domestic
- Employees (FTE)
- 311
- Domestic deposits
- $3.46B
- Allowance for credit losses
- $32.8M
- Net charge-offs (YTD)
- $825K
- Average total assets
- $4.00B
- Average total loans
- $2.78B
- Average interest-bearing deposits
- $2.16B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 15, 2003
- FDIC Cert
- 57417
- Fed RSSD
- 3189063
- SEC CIK
- 1838199 → filed by CBC BANCORP
- Website
- http://www.cbcal.com →
- Parent Holding Company
- CBC BANCORP (RSSD 2925406)
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 Commercial Bank of California terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Commercial Bank of California, 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).
Commercial Bank of California 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 Commercial Bank of California: 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 | 11.78% | 1.34% | 1.12% | 9.17% | 3.79% |
| Q1 2026 | 11.50% | 1.33% | 1.11% | 11.17% | 3.89% |
| Q4 2025 | 11.41% | 1.36% | 1.10% | 9.40% | 3.78% |
| Q3 2025 | 11.20% | 1.16% | 0.77% | 7.22% | 3.77% |
| Q2 2025 | 11.00% | 1.06% | 0.86% | 7.08% | 3.60% |
| Q1 2025 | 10.78% | 0.99% | 0.77% | 6.93% | 3.48% |
| Q4 2024 | 10.57% | 0.03% | 0.73% | 6.54% | 3.53% |
| Q3 2024 | 10.44% | 0.81% | 0.25% | 2.23% | 3.08% |
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 9 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Commercial Bank of California (main office) | Irvine , CA | 92612 | $1.54B |
| Anaheim Branch | Anaheim , CA | 92806 | $396.8M |
| Orange County Branch | Costa Mesa , CA | 92626 | $329.1M |
| Community Bank of the Bay Branch | Oakland , CA | 94612 | $293.7M |
| Danville Branch | Danville , CA | 94526 | $236.1M |
| Fairfax Branch | Los Angeles , CA | 90036 | $209.9M |
| Santa Monica Branch Office | Santa Monica , CA | 90401 | $195.7M |
| San Mateo Branch | San Mateo , CA | 94402 | $147.9M |
| San Jose Branch | San Jose , CA | 95126 | $105.2M |
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 |
|---|---|---|---|
| November 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2024 | Structure Change | Acquired Community Bank of the Bay Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 1, 2016 | Structure Change | Acquired National Bank of California Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 30, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for Commercial Bank of California, 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
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in CA, rank 43 of 171 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 8 applications, 8 loans originated, $21.3M originated, across 3 states
- Period: Calendar year 2023. 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.
Add this badge to your website
Free to use. The badge always shows Commercial Bank of California’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Commercial Bank of California with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Commercial Bank of California
What are Commercial Bank of California's total assets?
As of the Q2 2026 filing, Commercial Bank of California reported total assets of $3.98 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Commercial Bank of California headquartered?
Commercial Bank of California is headquartered in Irvine, CA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Commercial Bank of California founded?
Commercial Bank of California was established in 2003, per the FDIC institution directory.
Is Commercial Bank of California FDIC-insured?
Yes. Commercial Bank of California is an FDIC-insured commercial bank (FDIC Certificate #57417). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commercial Bank of California?
Commercial Bank of California's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Commercial Bank of California's CET1 capital ratio?
Commercial Bank of California reported a Common Equity Tier 1 (CET1) capital ratio of 11.78% in its Q2 2026 call report, above regulatory requirements.
How many branches does Commercial Bank of California operate?
Commercial Bank of California operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commercial Bank of California's Texas Ratio?
Commercial Bank of California's Texas Ratio is 9.17% 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.
Go deeper on Commercial Bank of California.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Commercial Bank of California, freeFree account