Total Assets
$493M
Total balance-sheet footings
FDIC Cert #35366 · Chino, California · Est. 2000
Chino Commercial Bank, N.A. - FDIC Bank Health Profile
A community-scale look at Chino Commercial Bank, N.A.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $493M
- Total assets
- A
- Health grade · Excellent
- 1.34%
- Return on assets
- 12.3%
- Tier 1 capital
Data updated July 2026
The verdict
Chino Commercial Bank, N.A. earns a PlainBankData health grade of A (87/100), with well-capitalized at 12.26% Tier 1, profitable at 1.34% ROA, efficient (53% cost ratio).
- #1,802
- largest of 4,313 FDIC banks by assets
- 58th
- percentile by asset size, nationally
- 12.26%
- Tier 1 ratio - above the 10% well-capitalized line
- 66th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Chino Commercial Bank, N.A.'s 87/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Chino Commercial Bank, N.A.'s composite health score
Tier 1 Capital Ratio (12.26%) 35/40
Return on Assets (ROA) (1.34%) 20/25
Texas Ratio (1.19%) 20/20
Efficiency Ratio (53.43%) 12/15
87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$377M
Customer-funded liabilities
Net Loans
$214M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Chino Commercial Bank, N.A. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Chino Commercial Bank, N.A.'s score of 87/100 falls in the highlighted band.
Chino Commercial Bank, N.A.'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). Chino Commercial Bank, N.A.'s $493M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.26% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.26%
Texas Ratio
1.19%
Equity Capital
$54M
Profitability metrics
Return on Assets (ROA)
66th percentile nationally
1.34%
Return on Equity (ROE)
12.58%
Efficiency Ratio
53.43%
What the numbers say about Chino Commercial Bank, N.A.
Chino Commercial Bank, N.A. is an FDIC-insured institution (Certificate #35366) headquartered in Chino, California, established in 2000. It holds $493M in total assets - 1,802nd of 4,313 FDIC-insured banks, $377M in customer deposits, and $214M in net loans. Looking at capital strength, Tier 1 stands at 12.26%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 1.19%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (87/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within California, Chino Commercial Bank, N.A. ranks 85th of 121 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$22M
Interest Income
$4M
Non-Interest Income
$11M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Chino Commercial Bank, N.A. reports a Texas Ratio of 1.19% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.19% - 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) Chino Commercial Bank, N.A. (FDIC Cert #35366) - 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 Chino Commercial Bank, N.A.'s health grade?▼
Chino Commercial Bank, N.A. receives a health grade of A (87/100) 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 Chino Commercial Bank, N.A.?▼
Chino Commercial Bank, N.A. holds $493M in total assets and $377M in deposits, ranking 1,802nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Chino, California.
Is my money safe at Chino Commercial Bank, N.A.?▼
Yes, deposits at Chino Commercial Bank, N.A. (Certificate #35366) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Chino Commercial Bank, N.A.'s Tier 1 Capital Ratio?▼
Chino Commercial Bank, N.A. has a Tier 1 Capital Ratio of 12.26%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Chino Commercial Bank, N.A.?▼
Chino Commercial Bank, N.A. has a Texas Ratio of 1.19%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Chino Commercial Bank, N.A.?▼
Chino Commercial Bank, N.A. has an Efficiency Ratio of 53.43%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Chino Commercial Bank, N.A.'s profile as a depositor or analyst.
- Chino Commercial Bank, N.A.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Chino Commercial Bank, N.A. 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.