C3bank, National Association

Encinitas, California, San Diego County

$949M in total assets, the 1,114th largest of 4,309 US banks and 65th of 120 headquartered in California.

At a glance

Compared with 53 banks headquartered in California with $100 million to $1 billion in assets, as of June 30, 2026.

Measure	This bank	Percentile	Peer median
Total assets	$949M	96%	$394M
Loans	$602M	87%	$287M
Deposits	$836M	96%	$310M
Return on assets	1.20%	74%	0.84%
Net interest margin	3.69%	36%	3.91%
Efficiency ratio	54.2%	21%	69.1%
Equity to assets	9.87%	13%	12.72%
Loans to deposits	72%	17%	95%

Total assets grew 7.1% a year over the last 5 years and 15.2% a year over 10 years, without acquisitions.

Closed	Acquired bank	Assets at acquisition
Nov 2007	First National Bank of North County San Marcos, CA	$110M

4 branches in 3 counties.

County	Deposits	Market share	Rank
San Diego County, CA	$708M	0.5%	20 of 42
Davidson County, TN	$74M	0.1%	26 of 35
Riverside County, CA	$54M	0.1%	22 of 26

Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.

Net gain of 1 branch since 2016 (3 to 4, +33.3%). 2 opened, 0 acquired, 1 closed or sold.

Period	What happened	Opened or acquired	Closed or sold	Net change	Branches at end
Start of 2016	Starting point				3
2019	Opened Riverside	1	0	+1	4
2020	Closed Carlsbad	0	1	−1	3
2023	Opened Nashville	1	0	+1	4

Type	This bank	Peers
Commercial real estate	48%	50%
1-4 family residential	30%	14%
Multifamily	14%	14%
Construction and land	6%	5%
Business (C&I)	2%	10%
Consumer	0%	5%
Farmland	0%	1%
Other	0%	2%

Type	This bank	Peers
Noninterest-bearing	45%	20%
Other interest-bearing	43%	36%
Time deposits	12%	43%

Brokered deposits are 21.8% of deposits (peers 8.7%).

Trailing four quarters, with the peer median.

Noncurrent loans exclude government-guaranteed portions.

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/c3bank