California Bank of Commerce, National Association
San Diego, CA · Cert 57044 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · California Bcorp
National charter · OCC · 14 branches
Q2 2026
$4.0BAssets
$3.1BLoans
$3.4BDeposits
$618.6MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 94% of banks $1B-$10B in assets operating in a single state (rank 16 of 258).
- Widest gap: return on equity trails 73% of banks $1B-$10B in assets operating in a single state (rank 188 of 258).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.46%
Rank 75 of 258
Net Interest Margin
4.48%
Rank 21 of 258
Efficiency Ratio
54.79%
Rank 88 of 257
Equity / Assets
15.38%
Rank 16 of 258
Non-interest income vs. expense
Unfavorable gap of $91.8M · efficiency ratio beats 66% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.46% | 0.93% | 1.23% | 1.54% | Beats 71% | 75 / 258 | |
| Return on Equity | 9.46% | 9.26% | 11.84% | 14.74% | Beats 27% | 188 / 258 | |
| Net Interest Margin | 4.48% | 3.16% | 3.49% | 3.88% | Beats 92% | 21 / 258 | |
| Efficiency Ratio | 54.79% | 51.71% | 60.30% | 69.65% | Beats 66% | 88 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.19% | 0.46% | 0.90% | Beats 63% | 97 / 258 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 76% | 63 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 13.93% | 11.41% | 12.98% | 15.12% | Beats 63% | 95 / 258 | |
| Total Risk-Based Capital Ratio | 14.94% | 12.10% | 13.91% | 16.08% | Beats 63% | 96 / 258 | |
| Equity / Assets | 15.38% | 9.09% | 10.24% | 11.72% | Beats 94% | 16 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 92.49% | 73.24% | 86.34% | 95.95% | 68th pctl | 83 / 258 | |
| Loans / Assets | 77.32% | 63.01% | 72.27% | 78.40% | 69th pctl | 81 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |