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Commercial Bank of California
Irvine, CA·FDIC Cert #57417·Charter: STATE·Est. 20030515.0·HC: CBC BCORP
Total Assets
$3.7B
Q4 2025
Return on Assets
1.16%
+0.08%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.70%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
58
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.16%+0.08
ROE
13.41%+0.62
Efficiency
56.70%-2.10
Equity/Assets
0.00%+0.00
NPL Ratio
0.41%+0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
88.87%+7.22
Charge-offs
0.10%-0.02
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 | 0.8 | 0.8 | 0.8 | 0.6 | 1.0 | 1.0 | 1.1 | 1.2 |
| ROE | 12.0 | 11.6 | 11.5 | 7.8 | 11.8 | 12.3 | 12.8 | 13.4 |
| Efficiency | 65.9 | 66.1 | 65.3 | 68.4 | 60.4 | 59.8 | 58.8 | 56.7 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.1 | 0.1 | 0.3 | 0.5 | 0.6 | 0.4 | 0.4 |
| Charge-offs | 0.2 | 0.2 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 86.4 | 82.7 | 85.4 | 86.9 | 84.8 | 84.8 | 81.7 | 88.9 |
Balance Sheet
Total Assets$3.7B
Total Deposits$3.1B
Total Loans$2.7B
Total Equity$343.8M
Profitability
ROA1.16%
ROE13.41%
Efficiency Ratio56.70%
Net Income$42.5M
Risk & Asset Quality
NPL Ratio0.41%
Charge-off Rate0.10%
Loan/Deposit88.87%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans