Chino, CA · Cert 35366 · Chino Commercial Bcorp
National charter · OCC · 5 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
42
Asset Quality
74
Profitability
73
Liquidity
36
Efficiency
90
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Chino, CA · Cert 35366 · Chino Commercial Bcorp
National charter · OCC · 5 branches
Q2 2026
Market Position · Riverside-San Bernardino-Ontario, CA · 2026 SOD (annual) · 0.5% share · #20 of 36 inst. · $0.4B of $79.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.25% | 1.29% | 1.35% | 1.37% | 1.34% | 1.52% | 1.54% | +18 bps | |
| Return on Equity | 12.41% | 12.56% | 12.28% | 12.85% | 12.94% | 12.58% | 13.34% | 13.60% | +75 bps | |
| Net Interest Margin | 2.99% | 3.14% | 3.40% | 3.52% | 3.54% | 3.55% | 3.97% | 3.87% | +36 bps | |
| Efficiency Ratio | 53.90% | 53.91% | 54.38% | 53.77% | 53.46% | 53.43% | 48.62% | 49.16% | -461 bps | |
| Non-Interest Burden | 1.30% | 1.38% | 1.50% | 1.52% | 1.53% | 1.53% | 1.54% | 1.52% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.29% | 4.38% | 2.14% | 2.99% | 5.08% | 5.69% | -1.11% | 7.29% | +430 bps | |
| Loan Growth (YoY) | 9.11% | 14.49% | 15.37% | 6.05% | 7.96% | 7.02% | 11.75% | 16.29% | +1,023 bps | |
| Deposit Growth (YoY) | 7.32% | 9.01% | 9.49% | 9.30% | 5.15% | 5.84% | 3.67% | 4.87% | -443 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.23% | 0.60% | 0.54% | 0.41% | 0.40% | 0.32% | 0.51% | 0.49% | +9 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.08% | 0.01% | -0.01% | 0.00% | 0.00% | -0.01% | -0.01% | 0 bps | |
| Allowance / Loans | 2.30% | 2.26% | 2.23% | 2.25% | 2.21% | 2.23% | 2.22% | 2.15% | -10 bps | |
| Allowance Coverage of NPLs | 10.0x | 3.8x | 4.2x | 5.6x | 5.6x | 6.9x | 4.3x | 4.4x | -1.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.53% | 11.01% | 11.64% | 12.08% | 12.16% | 12.26% | 12.36% | 12.51% | +43 bps | |
| Total Risk-Based Capital | 10.53% | 11.01% | 11.64% | 12.08% | 12.16% | 12.26% | 12.36% | 12.51% | +43 bps | |
| Equity / Assets | 10.20% | 10.41% | 10.56% | 10.59% | 10.82% | 11.00% | 11.89% | 11.04% | +45 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.94% | 57.55% | 55.48% | 54.32% | 53.33% | 58.19% | 59.80% | 60.23% | +592 bps | |
| Liquid Assets / Assets | 50.74% | 49.13% | 48.91% | 50.33% | 50.03% | 47.48% | 41.77% | 45.48% | -484 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 345% | 349% | 353% | n/a | n/a | |
Chino, CA · Cert 35366 · Peer group: banks under $1B in assets (n=581-629) · Chino Commercial Bcorp
National charter · OCC · 5 branches
Q2 2026
Return on Assets
1.46%
Rank 152 of 629
Net Interest Margin
3.87%
Rank 205 of 629
Efficiency Ratio
49.16%
Rank 67 of 629
Equity / Assets
11.04%
Rank 284 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.46% | 0.60% | 1.01% | 1.45% | Beats 76% | 152 / 629 | ||
| Return on Equity | 13.24% | 5.38% | 9.30% | 13.28% | Beats 75% | 160 / 629 | ||
| Net Interest Margin | 3.87% | 3.03% | 3.54% | 4.05% | Beats 67% | 205 / 629 | ||
| Efficiency Ratio | 49.16% | 58.35% | 67.79% | 79.08% | Beats 90% | 67 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.49% | 0.09% | 0.46% | 1.20% | Beats 48% | 303 / 581 | ||
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.51% | 11.24% | 13.84% | 18.77% | Beats 38% | 388 / 629 | ||
| Total Risk-Based Capital Ratio | 12.51% | 11.58% | 14.43% | 19.66% | Beats 33% | 419 / 629 | ||
| Equity / Assets | 11.04% | 9.09% | 10.65% | 13.80% | Beats 55% | 284 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 60.23% | 67.24% | 80.90% | 93.48% | 18th pctl | 488 / 594 | ||
| Loans / Assets | 46.31% | 53.31% | 67.71% | 78.15% | 17th pctl | 519 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||