Chino Commercial Bank, National Association
Chino, CA · Cert 35366 · Peer group: banks under $1B in assets (n=581-629) · Chino Commercial Bcorp
National charter · OCC · 5 branches
Q2 2026
$516.7MAssets
$239.3MLoans
$397.2MDeposits
$57.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
- Widest gap: total risk-based capital ratio trails 67% of banks under $1B in assets (rank 419 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $7.1M · efficiency ratio beats 90% of banks under $1B in assets | 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 |