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California Bank of Commerce, National Association
San Diego, CA·FDIC Cert #57044·Charter: OCC·Est. 20011218.0·HC: CALIFORNIA BCORP
Total Assets
$4.0B
Q4 2025
Return on Assets
1.66%
+0.01%Peer avg: 1.23%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
52.46%
Peer avg: 57.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.66%+0.01
ROE
11.37%+0.02
Efficiency
52.46%+1.76
Equity/Assets
0.00%+0.00
NPL Ratio
0.53%+0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
89.21%+4.31
Charge-offs
0.27%+0.03
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 0.5 | -0.5 | 0.3 | 1.8 | 1.7 | 1.6 | 1.7 |
| ROE | 6.8 | 3.7 | -3.6 | 1.9 | 12.2 | 11.3 | 11.3 | 11.4 |
| Efficiency | 66.8 | 75.3 | 84.1 | 73.0 | 51.8 | 51.9 | 50.7 | 52.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.3 | 0.8 | 0.9 | 0.8 | 0.6 | 0.5 | 0.5 |
| Charge-offs | 0.0 | 0.2 | 0.2 | 0.1 | 0.2 | 0.4 | 0.2 | 0.3 |
| Loan/Deposit | 96.3 | 96.0 | 84.9 | 91.3 | 90.5 | 88.9 | 84.9 | 89.2 |
Balance Sheet
Total Assets$4.0B
Total Deposits$3.4B
Total Loans$3.0B
Total Equity$591.8M
Profitability
ROA1.66%
ROE11.37%
Efficiency Ratio52.46%
Net Income$66.6M
Risk & Asset Quality
NPL Ratio0.53%
Charge-off Rate0.27%
Loan/Deposit89.21%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans