BlastPoint's Banking Scorecard
Community Commerce Bank
Designations: ✓ CDFI-certified ✓ Minority Depository Institution
Claremont, CA
4 branches across CA
Community Commerce Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 20.2% in tier
- - Liquidity Strain: Bottom 45.9% in tier
- - Non-Interest-Bearing Deposit Share 21.85% below tier average
- - ROA 0.51% below tier average
- - Net Interest Margin 0.72% below tier average
- - Efficiency Ratio 1.33% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$413.5M
+4.6% YoY
+0.5% QoQ
|
+$27.4M |
$386.1M
+0.5% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
63% |
| Total Loans ? |
$305.6M
+5.7% YoY
+2.0% QoQ
|
+$49.8M |
$255.7M
+1.1% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
68% |
| Total Deposits ? |
$312.0M
+3.2% YoY
+0.5% QoQ
|
-$16.0M |
$328.0M
+0.1% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
57% |
| Return on Assets ? |
0.76%
+38.5% YoY
+9.8% QoQ
|
-0.51% |
1.27%
+12.9% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
24% |
| Net Interest Margin ? |
3.21%
+6.1% YoY
+2.1% QoQ
|
-0.72% |
3.93%
+6.0% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
18% |
| Efficiency Ratio ? |
66.62%
-11.5% YoY
-5.3% QoQ
|
+1.33% |
65.29%
-4.5% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
40% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.89% |
0.89%
+18.8% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
97.94%
+2.4% YoY
+1.5% QoQ
|
+21.30% |
76.64%
+0.8% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 11.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.17%
-59.9% YoY
-62.6% QoQ
|
-21.85% |
22.02%
-1.0% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 0.7% in tier |
| Nonperforming Asset Ratio ? |
0.65%
-4.6% YoY
-1.9% QoQ
|
+0.01% |
0.64%
+19.7% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
31% |
| Tier 1 Capital Ratio ? |
18.46%
-4.2% YoY
-1.2% QoQ
|
+2.63% |
15.83%
+1.5% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.08%
+66.4% YoY
-71.9% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
36% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.