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California Bank of Commerce, National Association

$1B-$10B Specialty: Commercial CA FDIC cert 57044

San Diego, CA

14 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 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
  • Deposits +1.1% year over year ($3.4B on the books).
  • Delinquency rate 0.29%.
  • Return on assets 1.45%.
  • Efficiency ratio 53.03% vs a 59.73% peer average.
  • Loan-to-deposit ratio 91.45% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 49 in CA
View $1B-$10B leaderboard (CA) →

California Bank of Commerce, National Association has 4 strengths but faces 3 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

  • + Deposit Franchise: Top 18.8% in tier
  • + ROA 0.06% above tier average
  • + Efficiency Ratio 6.70% below tier average
  • + Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 15.0% in tier
  • - Margin Compression: Bottom 31.8% in tier
  • - Non-Interest Income / Assets 0.44% below tier average
Get updates when California Bank of Commerce, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $4.0B
+1.8% YoY -0.6% QoQ
+$1.2B $2.8B
-0.6% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
81%
Total Loans ? $3.1B
+4.0% YoY +3.8% QoQ
+$1.1B $2.0B
-0.3% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
83%
Total Deposits ? $3.4B
+1.1% YoY -1.2% QoQ
+$1.0B $2.3B
-0.5% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
80%
Return on Assets ? 1.45%
-12.6% YoY +2.0% QoQ
+0.06% 1.39%
+17.0% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
67%
Net Interest Margin ? 4.75%
-1.5% YoY +1.7% QoQ
+0.87% 3.87%
+6.2% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
Top 8.4% in tier
Efficiency Ratio ? 53.03%
+2.1% YoY -3.3% QoQ
-6.70% 59.73%
-12.6% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
68%
Delinquency Rate ? 0.29%
-53.3% YoY -72.1% QoQ
-0.58% 0.87%
+11.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
70%
Loan-to-Deposit Ratio ? 91.45%
+2.9% YoY +5.0% QoQ
+6.42% 85.04%
-0.1% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
36%
Non-Interest-Bearing Deposit Share ? 37.49%
+1.2% YoY +1.5% QoQ
+16.22% 21.27%
-1.5% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Top 5.9% in tier
Nonperforming Asset Ratio ? 0.44%
-6.1% YoY -55.2% QoQ
-0.24% 0.67%
+11.7% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
48%
Tier 1 Capital Ratio ? 13.93%
+5.3% YoY +1.2% QoQ
-0.92% 14.84%
-0.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
62%
Non-Interest Income / Assets ? 0.09%
-33.1% YoY +73.6% QoQ
-0.44% 0.53%
+2.5% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
Bottom 8.6% in tier

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 37.5%
+0.4pp YoY
+0.6pp QoQ
 +16.1pp 21.4% 25.5% 22.2% 94%
Brokered Deposits 0.7%
-1.1pp YoY
-0.3pp QoQ
 -8.7pp 9.5% 11.0% 8.5% 15%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 18.5%
-2.3pp YoY
-0.3pp QoQ
 +4.5pp 14.0% 11.8% 12.5% 77%
CRE 75.6%
+0.5pp YoY
-0.7pp QoQ
 +25.6pp 50.0% 67.5% 41.4% 93%
1-4 Family 4.5%
-0.2pp YoY
+0.2pp QoQ
 -21.9pp 26.4% 16.5% 31.3% 6%
Consumer 0.6%
-0.2pp YoY
0.0pp QoQ
 -4.1pp 4.7% 5.3% 5.0% 35%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 13.9%
+0.7pp YoY
+0.2pp QoQ
 -1.7pp 15.6% 23.7% 19.7% 56%
Leverage Ratio 12.8%
+0.7pp YoY
+0.8pp QoQ
 +1.5pp 11.3% 14.5% 12.6% 83%
Total Capital Ratio 14.9%
+0.6pp YoY
+0.2pp QoQ
 -1.8pp 16.7% 25.1% 20.8% 55%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 300
+12 (+4.2%) YoY
0 QoQ
 -14 313 337 482 65%
Assets per Employee ($) $13.4M
-2.3% YoY
-0.6% QoQ
 +$2.9M $10.5M $11.3M $8.8M 85%
Branch Count 14
0 YoY
0 QoQ
 -6 20 15 18 46%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.3% 0.4% n/a
Nonaccrual 0.3%
-0.3pp YoY
-0.7pp QoQ
 -0.5pp 0.8% 1.4% 1.0% 30%
Allowance Coverage 3.91x
+74.4% YoY
+253.5% QoQ
 -14.80x 18.71x 17.11x 20.23x 72%
Net Charge-off Rate (YTD) 0.0%
-0.4pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.2% 31%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 9.7%
-1.6pp YoY
+0.1pp QoQ
 -2.9pp 12.6% 8.2% 11.6% 31%
Cost of Funds (YTD) 1.2%
-0.3pp YoY
0.0pp QoQ
 -0.7pp 1.9% 1.9% 1.7% 10%
Net Income ($, YTD) $29.3M
-11.6% YoY
— QoQ
 +$10.0M $19.2M $28.5M $40.4M 82%

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 (1)

Deposit Franchise

growth
#16 of 80 • Top 18.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 37.49%
(Tier: 21.27%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.75%
(Tier: 3.87%, National: 3.95%)
better than tier avg
80 of 80 Mid-Market banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Strain

risk
#55 of 361 • Bottom 15.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 91.45%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ

Margin Compression

decline
#28 of 85 • Bottom 31.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.45%
(Tier: 1.39%, National: 1.30%)
better than tier avg
85 of 85 Mid-Market banks match · 413 nationally
→ Stable +8 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

53
Non-Interest-Bearing Deposit Share
funding
Value: 37.49%
Peer Median: 21.27%
#53 of 885 Top 5.9% in $1B-$10B
75
Net Interest Margin
profitability
Value: 4.75%
Peer Median: 3.87%
#75 of 885 Top 8.4% in $1B-$10B
152
Total Loans
size
Value: $3.08B
Peer Median: $1.96B
#152 of 885 Top 17.1% in $1B-$10B
172
Total Assets
size
Value: $4.02B
Peer Median: $2.79B
#172 of 885 Top 19.3% in $1B-$10B
174
Total Deposits
size
Value: $3.36B
Peer Median: $2.32B
#174 of 885 Top 19.5% in $1B-$10B

Top Weaknesses (1 metrics)

810
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.53%
#810 of 885 Bottom 8.6% in $1B-$10B
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