Community Commerce Bank

Claremont, CA · Cert 26363 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28)

State charter, non-member · FDIC · 4 branches

Q2 2026

$422.7MAssets

$317.7MLoans

$317.5MDeposits

$63.3MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 9 of 27).
Widest gap: net interest margin trails 82% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 23 of 28).
Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.76%

Rank 16 of 28

Net Interest Margin

2.90%

Rank 23 of 28

Efficiency Ratio

63.10%

Rank 13 of 28

Equity / Assets

14.99%

Rank 15 of 28

Unfavorable gap of $7.2M · efficiency ratio beats 57% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.76%	0.39%	0.81%	1.45%	Beats 43%	16 / 28
Return on Equity	5.09%	2.58%	5.09%	9.10%	Beats 50%	14 / 28
Net Interest Margin	2.90%	3.22%	3.68%	4.12%	Beats 18%	23 / 28
Efficiency Ratio	63.10%	56.77%	70.25%	85.37%	Beats 57%	13 / 28
Asset Quality
Nonperforming Loans / Loans	0.00%	n/a	0.26%	1.61%	Beats 100%	9 / 27
Net Charge-Offs / Loans	0.01%	n/a	n/a	0.02%	Beats 30%	20 / 27
Capital
Tier 1 Capital Ratio	18.10%	13.70%	16.46%	19.75%	Beats 61%	11 / 28
Total Risk-Based Capital Ratio	19.13%	14.96%	17.60%	20.63%	Beats 64%	10 / 28
Equity / Assets	14.99%	11.97%	15.41%	17.42%	Beats 46%	15 / 28
Liquidity & Funding
Loans / Deposits	100.08%	84.00%	97.95%	102.47%	61st pctl	11 / 28
Loans / Assets	75.16%	69.18%	76.59%	81.19%	46th pctl	15 / 28
Brokered Deposits / Deposits	n/a	Not reported for this institution