Total Assets
$3.7B
Total balance-sheet footings
FDIC Cert #57417 · Irvine, California · Est. 2003
Commercial Bank of California - FDIC Bank Health Profile
A community-scale look at Commercial Bank of California's own numbers, pulled straight from its quarterly FDIC Call Report.
- $3.7B
- Total assets
- A
- Health grade · Excellent
- 1.16%
- Return on assets
- 11.4%
- Tier 1 capital
Data updated July 2026
The verdict
Commercial Bank of California earns a PlainBankData health grade of A (80/100), with well-capitalized at 11.41% Tier 1, profitable at 1.16% ROA, efficient (57% cost ratio).
- #357
- largest of 4,313 FDIC banks by assets
- 92nd
- percentile by asset size, nationally
- 11.41%
- Tier 1 ratio - above the 10% well-capitalized line
- 54th
- 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 Commercial Bank of California's 80/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Commercial Bank of California's composite health score
Tier 1 Capital Ratio (11.41%) 28/40
Return on Assets (ROA) (1.16%) 20/25
Texas Ratio (2.98%) 20/20
Efficiency Ratio (56.70%) 12/15
80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$3.1B
Customer-funded liabilities
Net Loans
$2.7B
Outstanding loan book
Net Income
$43M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Commercial Bank of California ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Commercial Bank of California's score of 80/100 falls in the highlighted band.
Commercial Bank of California'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). Commercial Bank of California's $3.7B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.41% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.41%
Texas Ratio
2.98%
Equity Capital
$344M
Profitability metrics
Return on Assets (ROA)
54th percentile nationally
1.16%
Return on Equity (ROE)
13.41%
Efficiency Ratio
56.70%
What the numbers say about Commercial Bank of California
Commercial Bank of California is an FDIC-insured institution (Certificate #57417) headquartered in Irvine, California, established in 2003. It holds $3.7B in total assets - 357th of 4,313 FDIC-insured banks, $3.1B in customer deposits, and $2.7B in net loans. Its capital position: a Tier 1 ratio of 11.41%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 2.98% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (80 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Commercial Bank of California sits in the top decile of all FDIC-insured institutions by asset size (357th of 4,313), and within California it ranks 32nd of 121 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Community West Bank, at $3.7B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$207M
Interest Income
$22M
Non-Interest Income
$92M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Commercial Bank of California reports a Texas Ratio of 2.98% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
2.98% - 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) Commercial Bank of California (FDIC Cert #57417) - 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 Commercial Bank of California's health grade?▼
Commercial Bank of California receives a health grade of A (80/100) 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 Commercial Bank of California?▼
Commercial Bank of California holds $3.7B in total assets and $3.1B in deposits, ranking 357th of 4,313 FDIC-insured banks by asset size. It is headquartered in Irvine, California.
Is my money safe at Commercial Bank of California?▼
Yes, deposits at Commercial Bank of California (Certificate #57417) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Commercial Bank of California's Tier 1 Capital Ratio?▼
Commercial Bank of California has a Tier 1 Capital Ratio of 11.41%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Commercial Bank of California?▼
Commercial Bank of California has a Texas Ratio of 2.98%. 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 Commercial Bank of California?▼
Commercial Bank of California has an Efficiency Ratio of 56.70%. 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 Commercial Bank of California's profile as a depositor or analyst.
- Commercial Bank of California's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Commercial Bank of California 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.