BlastPoint's Banking Scorecard

Community Commerce Bank

$100M-$1B Specialty: Commercial CA FDIC cert 26363

Designations: ✓ CDFI-certified ✓ Minority Depository Institution

Claremont, CA

4 branches across CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
Deposits +6.4% year over year ($317.5M on the books).
Delinquency rate 0.00%.
Return on assets 0.78%.
Efficiency ratio 63.10% vs a 64.48% peer average.
Loan-to-deposit ratio 98.94% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 53 in CA

View $100M-$1B leaderboard (CA) →

Community Commerce Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.92% below tier average
+ Efficiency Ratio 1.38% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 22.1% in tier
- Non-Interest-Bearing Deposit Share 21.57% below tier average
- ROA 0.55% below tier average
- Net Interest Margin 0.77% below tier average

Get updates when Community Commerce Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$422.7M +6.4% YoY +2.2% QoQ	+$36.2M	$386.6M +1.2% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	64%
Total Loans ?	$314.1M +8.1% YoY +2.8% QoQ	+$55.8M	$258.3M +1.7% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	69%
Total Deposits ?	$317.5M +6.4% YoY +1.8% QoQ	-$9.2M	$326.7M +0.7% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	58%
Return on Assets ?	0.78% +21.0% YoY +1.6% QoQ	-0.55%	1.32% +10.8% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	22%
Net Interest Margin ?	3.22% +4.3% YoY +0.0% QoQ	-0.77%	3.99% +5.0% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	17%
Efficiency Ratio ?	63.10% -13.8% YoY -5.3% QoQ	-1.38%	64.48% -3.2% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	48%
Delinquency Rate ?	0.00% -100.0% YoY	-0.92%	0.92% +15.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	98.94% +1.7% YoY +1.0% QoQ	+20.99%	77.95% +1.0% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	Bottom 11.5% in tier
Non-Interest-Bearing Deposit Share ?	0.46% -33.6% YoY +164.5% QoQ	-21.57%	22.03% -0.6% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Bottom 1.1% in tier
Nonperforming Asset Ratio ?	0.64% -6.3% YoY -2.2% QoQ	-0.03%	0.67% +16.4% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	33%
Tier 1 Capital Ratio ?	18.10% -5.3% YoY -2.0% QoQ	+2.19%	15.91% +1.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.13% -0.3% YoY +66.8% QoQ	-0.44%	0.57% +7.6% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	27%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Noninterest-Bearing	0.5% -0.2pp YoY +0.3pp QoQ	-21.7pp	22.1%	25.5%	22.2%	0%
Brokered Deposits	8.3% -5.1pp YoY -0.8pp QoQ	+0.5pp	7.9%	11.0%	8.5%	70%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	n/a	n/a	11.6%	11.8%	12.5%	n/a
CRE	n/a	n/a	39.5%	67.5%	41.4%	n/a
1-4 Family	3.5% -0.5pp YoY -0.2pp QoQ	-29.1pp	32.6%	16.5%	31.3%	3%
Consumer	37.0% +2.3pp YoY +1.3pp QoQ	+32.9pp	4.1%	5.3%	5.0%	99%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	18.1% -1.0pp YoY -0.4pp QoQ	-0.7pp	18.8%	23.7%	19.7%	70%
Leverage Ratio	15.3% -0.4pp YoY 0.0pp QoQ	+3.1pp	12.2%	14.5%	12.6%	88%
Total Capital Ratio	19.1% -1.0pp YoY -0.3pp QoQ	-0.8pp	19.9%	25.1%	20.8%	69%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	35 -9 (-20.5%) YoY -4 (-10.3%) QoQ	-24	58	337	482	35%
Assets per Employee ($)	$12.1M +33.8% YoY +13.9% QoQ	+$4.6M	$7.5M	$11.3M	$8.8M	93%
Branch Count	4 0 YoY 0 QoQ	-1	4	15	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.4%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	17.11x	20.23x	n/a
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	55%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	5.1% +1.0pp YoY +0.1pp QoQ	-7.1pp	12.2%	8.2%	11.6%	14%
Cost of Funds (YTD)	3.5% -0.2pp YoY 0.0pp QoQ	+1.8pp	1.7%	1.9%	1.7%	100%
Net Income ($, YTD)	$1.6M +26.6% YoY — QoQ	-$942K	$2.6M	$28.5M	$40.4M	44%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk

#165 of 742 • Bottom 22.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 18.10%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 98.94%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

494

Tier 1 Capital Ratio

capital

Value: 18.10%

Peer Median: 15.91%

#494 of 2643 Top 18.7% in $100M-$1B

Top Weaknesses (4 metrics)

2616

Non-Interest-Bearing Deposit Share

funding

Value: 0.46%

Peer Median: 22.03%

#2616 of 2643 Bottom 1.1% in $100M-$1B

2341

Loan-to-Deposit Ratio

liquidity

Value: 98.94%

Peer Median: 77.95%

#2341 of 2643 Bottom 11.5% in $100M-$1B

2206

Net Interest Margin

profitability

Value: 3.22%

Peer Median: 3.99%

#2206 of 2643 Bottom 16.6% in $100M-$1B

2060

Return on Assets

profitability

Value: 0.78%

Peer Median: 1.32%

#2060 of 2643 Bottom 22.1% in $100M-$1B