Total Assets
$996M
Total balance-sheet footings
FDIC Cert #25249 · Encinitas, California · Est. 1984
C3bank, National Association - FDIC Bank Health Profile
A community-scale look at C3bank, National Association's own numbers, pulled straight from its quarterly FDIC Call Report.
- $996M
- Total assets
- A
- Health grade · Excellent
- 1.19%
- Return on assets
- 15.8%
- Tier 1 capital
Data updated July 2026
The verdict
C3bank, National Association earns a PlainBankData health grade of A (92/100), with well-capitalized at 15.79% Tier 1, profitable at 1.19% ROA, efficient (53% cost ratio).
- #1,047
- largest of 4,313 FDIC banks by assets
- 76th
- percentile by asset size, nationally
- 15.79%
- Tier 1 ratio - above the 10% well-capitalized line
- 57th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How C3bank, National Association's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
C3bank, National Association's composite health score
Tier 1 Capital Ratio (15.79%) 40/40
Return on Assets (ROA) (1.19%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (53.10%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$886M
Customer-funded liabilities
Net Loans
$599M
Outstanding loan book
Net Income
$11M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where C3bank, National Association ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. C3bank, National Association's score of 92/100 falls in the highlighted band.
C3bank, National Association's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). C3bank, National Association's $996M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
15.79% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
15.79%
Texas Ratio
0.00%
Equity Capital
$92M
Profitability metrics
Return on Assets (ROA)
57th percentile nationally
1.19%
Return on Equity (ROE)
12.84%
Efficiency Ratio
53.10%
What the numbers say about C3bank, National Association
C3bank, National Association is an FDIC-insured institution (Certificate #25249) headquartered in Encinitas, California, established in 1984. It holds $996M in total assets - 1,047th of 4,313 FDIC-insured banks, $886M in customer deposits, and $599M in net loans. Capital-wise, the Tier 1 ratio sits at 15.79%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (92 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
C3bank, National Association sits 64th of 121 banks headquartered in California by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$49M
Interest Income
$1M
Non-Interest Income
$18M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. C3bank, National Association reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) C3bank, National Association (FDIC Cert #25249) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |
Frequently asked questions
What is C3bank, National Association's health grade?▼
C3bank, National Association receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is C3bank, National Association?▼
C3bank, National Association holds $996M in total assets and $886M in deposits, ranking 1,047th of 4,313 FDIC-insured banks by asset size. It is headquartered in Encinitas, California.
Is my money safe at C3bank, National Association?▼
Yes, deposits at C3bank, National Association (Certificate #25249) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is C3bank, National Association's Tier 1 Capital Ratio?▼
C3bank, National Association has a Tier 1 Capital Ratio of 15.79%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for C3bank, National Association?▼
C3bank, National Association has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is C3bank, National Association?▼
C3bank, National Association has an Efficiency Ratio of 53.10%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read C3bank, National Association's profile as a depositor or analyst.
- C3bank, National Association's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare C3bank, National Association against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.