California Bank of Commerce, National Association
San Diego, California, San Diego County
$4.0B in total assets, the 342nd largest of 4,309 US banks and 29th of 120 headquartered in California.
- FDIC certificate
- 57044
- Established
- 2001
- Owned by
- California Bcorp
- Primary regulator
- OCC
At a glance
Compared with 51 banks headquartered in California with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $4.0B | 65% | $2.7B | |
| Loans | $3.1B | 72% | $1.8B | |
| Deposits | $3.4B | 63% | $2.3B | |
| Return on assets | 1.56% | 74% | 1.21% | |
| Net interest margin | 4.75% | 88% | 3.80% | |
| Efficiency ratio | 53.0% | 47% | 54.4% | |
| Equity to assets | 15.38% | 88% | 11.31% | |
| Loans to deposits | 92% | 62% | 89% |
Growth
Total assets grew 17.7% a year over the last 5 years and 26.3% a year over 10 years, including 4 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2024 | California Bank of Commerce Walnut Creek, CA | $1.9B |
| Oct 2021 | Bank of Santa Clarita Santa Clarita, CA | $424M |
| May 2020 | Calwest Bank Rancho Santa Margarita, CA | $226M |
| Jul 2018 | Americas United Bank Glendale, CA | $231M |
| Nov 2014 | Frontier Bank, FSB Palm Desert, CA | $81M |
Where they operate
14 branches in 6 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Contra Costa County, CA | $1.3B | 2.5% | 8 of 31 |
| Los Angeles County, CA | $926M | 0.2% | 34 of 91 |
| San Diego County, CA | $631M | 0.5% | 22 of 42 |
| Orange County, CA | $258M | 0.2% | 41 of 73 |
| Riverside County, CA | $155M | 0.4% | 17 of 26 |
| Ventura County, CA | $112M | 0.5% | 16 of 21 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 7 branches since 2016 (7 to 14, +100.0%). 5 opened, 9 acquired, 7 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 7 | |||
| 2018 | Acquired Americas United BankClosed Palm Desert | 4 | 1 | +3 | 10 |
| 2019 | Opened Orange | 1 | 0 | +1 | 11 |
| 2020 | Acquired Calwest BankOpened Redlands, closed 3 in California | 4 | 3 | +1 | 12 |
| 2021 | Acquired Bank of Santa ClaritaOpened 3 in California, closed Santa Fe Springs | 4 | 1 | +3 | 15 |
| 2022 | Sold 2 branches to First Pacific Bank | 0 | 2 | −2 | 13 |
| 2024 | Acquired California Bank of Commerce | 1 | 0 | +1 | 14 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 61% | 47% | |
| Business (C&I) | 18% | 15% | |
| Multifamily | 9% | 13% | |
| 1-4 family residential | 4% | 15% | |
| Construction and land | 4% | 3% | |
| Consumer | 1% | 2% | |
| Farmland | 0% | 2% | |
| Other | 2% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 60% | 48% | |
| Noninterest-bearing | 37% | 28% | |
| Time deposits | 3% | 23% |
Brokered deposits are 0.7% of deposits (peers 4.6%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.27% | 0.48% |
| Net charge-offs, annualized | 0.01% | 0.06% |
| Reserves to loans | 1.12% | 1.28% |
| Leverage ratio | 12.80% | 11.65% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in California
Largest competitors in Contra Costa County, CA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/california-commerce