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Commercial Bank of California

Irvine, CA · Cert 57417 · CBC Bcorp

State charter, non-member · FDIC · 9 branches

Q2 2026

$4.0BAssets
$2.8BLoans
$3.5BDeposits
$360.1MEquity
Loan mix
90%RE $2.5B8%C&I $0.2B2%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
62%Interest-bearing $2.1B38%Noninterest $1.3BQ3 2024Q2 2026

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.4% share · #25 of 107 inst. · $2.7B of $667.8B

1.4% Orange
0.1% Los Angeles
0.4% Alameda
0.5% Contra Costa

Executive Summary

  • Earnings: ROA of 1.36%, up 28 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.37% of loans (-22 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 9.27%, up 55 bps from a year ago.
  • Funding: loans stand at 80.45% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.36%+28 bps YoY

Net Interest Margin (quarter, annualized)

3.69%+18 bps YoY

Efficiency Ratio (quarter, annualized)

53.63%-571 bps YoY

Tier 1 Leverage Ratio

9.27%+55 bps YoY

NIM

5.32%Q2 ’245.56%Q2 ’255.52%Q2 ’26+12%+5%

Non-interest income vs. expense

2.50%Q2 ’242.63%Q2 ’252.43%Q2 ’26-1%-9%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.03%0.99%1.08%1.17%1.35%1.31%1.36%+28 bps
Return on Equity11.48%0.38%11.84%12.81%13.69%15.10%14.38%15.14%+233 bps
Net Interest Margin3.01%3.45%3.40%3.52%3.69%3.69%3.80%3.69%+18 bps
Efficiency Ratio63.84%75.03%60.41%59.34%56.91%50.70%53.42%53.63%-571 bps
Non-Interest Burden1.67%2.51%1.96%1.89%1.97%1.66%1.85%1.73%-16 bps
Growth
Asset Growth (YoY)12.27%45.85%48.67%49.18%51.93%4.64%7.55%7.60%-4,158 bps
Loan Growth (YoY)9.78%45.67%47.15%54.34%49.48%9.77%7.49%6.19%-4,816 bps
Deposit Growth (YoY)13.33%51.15%49.77%50.53%56.36%7.43%13.35%13.25%-3,728 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.31%0.54%0.59%0.39%0.41%0.64%0.37%-22 bps
Net Charge-Offs / Loans0.14%0.13%0.13%0.04%0.19%0.04%0.08%0.04%0 bps
Allowance / Loans1.12%1.21%1.19%1.20%1.16%1.17%1.17%1.18%-2 bps
Allowance Coverage of NPLs9.0x3.9x2.2x2.0x3.0x2.9x1.8x3.2x+1.1x
Capital
Tier 1 Leverage Ratio7.92%9.50%8.85%8.72%8.81%9.29%9.60%9.27%+55 bps
Total Risk-Based Capital11.46%11.65%11.86%12.10%12.26%12.50%12.56%12.85%+76 bps
Equity / Assets7.68%8.25%8.42%8.49%8.62%9.29%8.97%9.05%+55 bps
Liquidity & Funding
Loans / Deposits86.41%88.01%85.80%85.80%82.61%89.93%81.37%80.45%-535 bps
Liquid Assets / Assets12.13%11.30%12.63%13.62%14.02%7.14%11.41%9.69%-394 bps
CRE / Total Capitaln/an/an/an/a681%670%666%n/an/a