California Bank of Commerce
Lafayette, CA · Cert 58583 · Peer group: banks $1B-$10B in assets operating in a single state (n=264-266)
FDIC · 1 branch
Q2 2024
$1.9BAssets
$1.5BLoans
$1.6BDeposits
$244.7MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 88% of banks $1B-$10B in assets operating in a single state (rank 32 of 266).
- Widest gap: return on equity trails 98% of banks $1B-$10B in assets operating in a single state (rank 260 of 265).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.05%
Rank 260 of 266
Net Interest Margin
3.76%
Rank 41 of 264
Efficiency Ratio
64.10%
Rank 110 of 266
Equity / Assets
12.79%
Rank 32 of 266
Non-interest income vs. expense
Unfavorable gap of $43.4M · efficiency ratio beats 59% 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 | 0.05% | 0.55% | 0.83% | 1.22% | Beats 2% | 260 / 266 | |
| Return on Equity | 0.39% | 5.94% | 9.07% | 12.35% | Beats 2% | 260 / 265 | |
| Net Interest Margin | 3.76% | 2.48% | 2.86% | 3.39% | Beats 84% | 41 / 264 | |
| Efficiency Ratio | 64.10% | 57.64% | 67.46% | 78.36% | Beats 59% | 110 / 266 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.46% | 0.13% | 0.33% | 0.72% | Beats 10% | 241 / 266 | |
| Net Charge-Offs / Loans | 0.91% | 0.00% | 0.02% | 0.06% | Beats 3% | 260 / 266 | |
| Capital |
| Tier 1 Capital Ratio | 12.72% | 11.36% | 12.84% | 14.84% | Beats 47% | 142 / 266 | |
| Total Risk-Based Capital Ratio | 13.69% | 12.04% | 13.69% | 15.92% | Beats 50% | 133 / 266 | |
| Equity / Assets | 12.79% | 8.12% | 9.35% | 11.13% | Beats 88% | 32 / 266 | |
| Liquidity & Funding |
| Loans / Deposits | 90.80% | 73.93% | 87.16% | 96.80% | 59th pctl | 109 / 266 | |
| Loans / Assets | 77.85% | 62.79% | 71.72% | 79.24% | 71st pctl | 77 / 266 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |