Commercial Bank of California
Irvine, California, Orange County
$4.0B in total assets, the 348th largest of 4,309 US banks and 30th of 120 headquartered in California.
- FDIC certificate
- 57417
- Established
- 2003
- Owned by
- Cbc Bcorp
- Primary regulator
- FDIC
- Website
- http://www.cbcal.com
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 | 63% | $2.7B | |
| Loans | $2.8B | 69% | $1.8B | |
| Deposits | $3.5B | 67% | $2.3B | |
| Return on assets | 1.30% | 59% | 1.21% | |
| Net interest margin | 3.92% | 59% | 3.80% | |
| Efficiency ratio | 53.5% | 49% | 54.4% | |
| Equity to assets | 9.05% | 6% | 11.37% | |
| Loans to deposits | 80% | 34% | 90% |
Growth
Total assets grew 18.7% a year over the last 5 years and 17.7% a year over 10 years, including 1 acquisition in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Nov 2024 | Community Bank of the Bay Oakland, CA | $1.0B |
| Apr 2016 | National Bank of California Los Angeles, CA, an affiliate under the same holding company | $425M |
Where they operate
10 branches in 6 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Orange County, CA | $2.3B | 1.4% | 13 of 73 |
| Los Angeles County, CA | $406M | 0.1% | 54 of 91 |
| Alameda County, CA | $294M | 0.4% | 21 of 37 |
| Contra Costa County, CA | $236M | 0.5% | 15 of 31 |
| San Mateo County, CA | $148M | 0.4% | 20 of 30 |
| Santa Clara County, CA | $105M | 0.1% | 33 of 42 |
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 8 branches since 2016 (2 to 10, +400.0%). 3 opened, 8 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 2 | |||
| 2016 | Acquired National Bank of CaliforniaOpened Santa Monica, closed Los Angeles | 5 | 1 | +4 | 6 |
| 2018 | Opened AnaheimClosed Brea | 1 | 1 | 0 | 6 |
| 2019 | Opened Los Angeles | 1 | 0 | +1 | 7 |
| 2020 | Closed Sherman Oaks | 0 | 1 | −1 | 6 |
| 2024 | Acquired Community Bank of the Bay | 4 | 0 | +4 | 10 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 64% | 47% | |
| Multifamily | 18% | 13% | |
| Business (C&I) | 9% | 15% | |
| Construction and land | 4% | 3% | |
| 1-4 family residential | 4% | 15% | |
| Consumer | 2% | 2% | |
| Farmland | 0% | 2% | |
| Other | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 52% | 48% | |
| Noninterest-bearing | 38% | 28% | |
| Time deposits | 10% | 23% |
Brokered deposits are 5.1% of deposits (peers 4.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.11% | 0.48% |
| Net charge-offs, annualized | 0.06% | 0.05% |
| Reserves to loans | 1.18% | 1.28% |
| Leverage ratio | 9.27% | 11.65% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in California
Largest competitors in Orange 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/commercial-california