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Commonwealth Business Bank

$1B-$10B Specialty: Commercial CA FDIC cert 57873

Designations: ✓ Community bank ✓ Minority Depository Institution

Los Angeles, CA

13 branches across CA · HI · TX · NJ · NY

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 +9.1% year over year ($1.7B on the books).
  • Delinquency rate 1.91%.
  • Return on assets 1.09%.
  • Efficiency ratio 56.65% vs a 59.73% peer average.
  • Loan-to-deposit ratio 90.52% 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) →

Commonwealth Business Bank has 1 strength but faces 6 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

  • + Efficiency Ratio 3.08% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 12.5% in tier
  • - Credit Risk Growth: Bottom 19.4% in tier
  • - Liquidity Overhang: Bottom 32.6% in tier
  • - Nonperforming Asset Ratio 0.85% above tier average
  • - ROA 0.30% below tier average
  • - Net Interest Margin 0.73% below tier average
Get updates when Commonwealth Business 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 ? $2.0B
+8.3% YoY -1.2% QoQ
-$827.0M $2.8B
-0.6% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
49%
Total Loans ? $1.5B
+4.1% YoY +3.9% QoQ
-$456.5M $2.0B
-0.3% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
53%
Total Deposits ? $1.7B
+9.1% YoY -1.3% QoQ
-$654.4M $2.3B
-0.5% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
50%
Return on Assets ? 1.09%
+7.9% YoY -6.1% QoQ
-0.30% 1.39%
+17.0% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
36%
Net Interest Margin ? 3.14%
-8.0% YoY +2.2% QoQ
-0.73% 3.87%
+6.2% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
20%
Efficiency Ratio ? 56.65%
-3.8% YoY +5.3% QoQ
-3.08% 59.73%
-12.6% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
59%
Delinquency Rate ? 1.91%
+8.6% YoY +12.2% QoQ
+1.04% 0.87%
+11.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
Bottom 10.0% in tier
Loan-to-Deposit Ratio ? 90.52%
-4.5% YoY +5.3% QoQ
+5.48% 85.04%
-0.1% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
39%
Non-Interest-Bearing Deposit Share ? 18.19%
-10.7% YoY -1.1% QoQ
-3.08% 21.27%
-1.5% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
41%
Nonperforming Asset Ratio ? 1.52%
-2.8% YoY +0.0% QoQ
+0.85% 0.67%
+11.7% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
Bottom 9.9% in tier
Tier 1 Capital Ratio ? 18.65%
-1.5% YoY -3.0% QoQ
+3.81% 14.84%
-0.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
Top 9.9% in tier
Non-Interest Income / Assets ? 0.34%
+47.9% YoY +87.0% QoQ
-0.18% 0.53%
+2.5% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
60%

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 18.2%
-2.2pp YoY
-0.2pp QoQ
 -3.2pp 21.4% 25.5% 22.2% 41%
Brokered Deposits 1.8%
-4.2pp YoY
-1.5pp QoQ
 -7.7pp 9.5% 11.0% 8.5% 25%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 7.1%
+0.3pp YoY
-0.6pp QoQ
 -6.9pp 14.0% 11.8% 12.5% 28%
CRE 87.3%
-0.9pp YoY
+0.7pp QoQ
 +37.3pp 50.0% 67.5% 41.4% 98%
1-4 Family 6.5%
+0.7pp YoY
-0.2pp QoQ
 -19.9pp 26.4% 16.5% 31.3% 9%
Consumer 0.2%
0.0pp YoY
0.0pp QoQ
 -4.5pp 4.7% 5.3% 5.0% 21%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 18.6%
-0.3pp YoY
-0.6pp QoQ
 +3.1pp 15.6% 23.7% 19.7% 88%
Leverage Ratio 13.9%
-0.5pp YoY
+0.2pp QoQ
 +2.6pp 11.3% 14.5% 12.6% 90%
Total Capital Ratio 19.9%
-0.2pp YoY
-0.6pp QoQ
 +3.2pp 16.7% 25.1% 20.8% 89%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 178
+15 (+9.2%) YoY
+6 (+3.5%) QoQ
 -136 313 337 482 33%
Assets per Employee ($) $11.0M
-0.8% YoY
-4.6% QoQ
 +$565K $10.5M $11.3M $8.8M 73%
Branch Count 13
+1 (+8.3%) YoY
+1 (+8.3%) QoQ
 -7 20 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 0.2% 0.3% 0.4% n/a
Nonaccrual 1.9%
+0.2pp YoY
+0.2pp QoQ
 +1.1pp 0.8% 1.4% 1.0% 92%
Allowance Coverage 0.60x
-0.7% YoY
-11.7% QoQ
 -18.11x 18.71x 17.11x 20.23x 10%
Net Charge-off Rate (YTD) -0.0%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.2% 13%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 8.0%
+0.9pp YoY
-0.6pp QoQ
 -4.6pp 12.6% 8.2% 11.6% 19%
Cost of Funds (YTD) 2.7%
-0.1pp YoY
0.0pp QoQ
 +0.8pp 1.9% 1.9% 1.7% 90%
Net Income ($, YTD) $10.9M
+18.2% YoY
— QoQ
 -$8.4M $19.2M $28.5M $40.4M 43%

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 (3)

Liquidity Strain

risk
#46 of 361 • Bottom 12.5% 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: 90.52%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ

Credit Risk Growth

risk
#79 of 402 • Bottom 19.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Liquidity Overhang

risk
#57 of 172 • Bottom 32.6% 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: 18.65%
(Tier: 14.84%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 90.52%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
172 of 172 Mid-Market banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

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 (1 metrics)

89
Tier 1 Capital Ratio
capital
Value: 18.65%
Peer Median: 14.84%
#89 of 885 Top 9.9% in $1B-$10B

Top Weaknesses (3 metrics)

798
Nonperforming Asset Ratio
credit_quality
Value: 1.52%
Peer Median: 0.67%
#798 of 885 Bottom 9.9% in $1B-$10B
795
Delinquency Rate
credit_quality
Value: 1.91%
Peer Median: 0.87%
#795 of 882 Bottom 10.0% in $1B-$10B
707
Net Interest Margin
profitability
Value: 3.14%
Peer Median: 3.87%
#707 of 885 Bottom 20.2% in $1B-$10B
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