Commercial Bank of California

Irvine, CA · Cert 57417 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19) · CBC Bcorp

State charter, non-member · FDIC · 9 branches

Q2 2026

$4.0BAssets

$2.8BLoans

$3.5BDeposits

$360.1MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 76% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 5 of 17).
Widest gap: equity / assets trails 95% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 18 of 19).
Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.30%

Rank 8 of 19

Net Interest Margin

3.62%

Rank 5 of 19

Efficiency Ratio

55.45%

Rank 12 of 19

Equity / Assets

9.05%

Rank 18 of 19

Unfavorable gap of $69.2M · efficiency ratio beats 42% of banks $1B-$10B 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	1.30%	1.10%	1.26%	1.57%	Beats 58%	8 / 19
Return on Equity	14.39%	8.62%	11.28%	14.70%	Beats 68%	6 / 19
Net Interest Margin	3.62%	3.07%	3.30%	3.62%	Beats 74%	5 / 19
Efficiency Ratio	55.45%	33.01%	51.12%	56.65%	Beats 42%	12 / 19
Asset Quality
Nonperforming Loans / Loans	0.37%	0.37%	0.80%	1.55%	Beats 76%	5 / 17
Net Charge-Offs / Loans	0.04%	0.00%	0.01%	0.05%	Beats 41%	11 / 17
Capital
Tier 1 Capital Ratio	11.78%	12.10%	14.67%	23.92%	Beats 16%	16 / 19
Total Risk-Based Capital Ratio	12.85%	13.35%	14.67%	24.05%	Beats 11%	17 / 19
Equity / Assets	9.05%	9.84%	11.18%	14.01%	Beats 5%	18 / 19
Liquidity & Funding
Loans / Deposits	80.45%	79.34%	95.16%	100.04%	26th pctl	14 / 19
Loans / Assets	69.86%	69.86%	77.55%	83.04%	21st pctl	15 / 19
Brokered Deposits / Deposits	n/a	Not reported for this institution