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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 1.34%, up 31 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.37% of loans (-22 bps YoY), with net charge-offs at 0.06%.
  • 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 (YTD, annualized)

1.34%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+24 bps YoY

Efficiency Ratio (YTD, annualized)

53.53%-631 bps YoY

Tier 1 Leverage Ratio

9.27%+55 bps YoY

NIM

5.28%Q2 ’245.40%Q2 ’255.37%Q2 ’26+11%+7%

Non-interest income vs. expense

2.43%Q2 ’242.49%Q2 ’252.34%Q2 ’26+3%-8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.59%0.99%1.04%1.08%1.16%1.31%1.34%+31 bps
Return on Equity11.53%7.80%11.84%12.35%12.79%13.41%14.38%14.75%+240 bps
Net Interest Margin2.97%2.70%3.40%3.38%3.43%3.54%3.80%3.62%+24 bps
Efficiency Ratio65.33%68.36%60.41%59.84%58.81%56.70%53.42%53.53%-631 bps
Non-Interest Burden1.73%1.70%1.96%1.88%1.88%1.85%1.85%1.73%-15 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 / Loans0.17%0.12%0.13%0.08%0.12%0.09%0.08%0.06%-2 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