Total Assets
$556M
Total balance-sheet footings
FDIC Cert #34784 · Delhi, Louisiana · Est. 1999
Commercial Capital Bank - FDIC Bank Health Profile
A community-scale look at Commercial Capital Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $556M
- Total assets
- A
- Health grade · Excellent
- 1.90%
- Return on assets
- 12.2%
- Tier 1 capital
Data updated July 2026
The verdict
Commercial Capital Bank earns a PlainBankData health grade of A (82/100), with well-capitalized at 12.16% Tier 1, profitable at 1.90% ROA, efficient (51% cost ratio).
- #1,659
- largest of 4,313 FDIC banks by assets
- 62nd
- percentile by asset size, nationally
- 12.16%
- Tier 1 ratio - above the 10% well-capitalized line
- 88th
- 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 Capital Bank's 82/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Commercial Capital Bank's composite health score
Tier 1 Capital Ratio (12.16%) 35/40
Return on Assets (ROA) (1.90%) 25/25
Texas Ratio (15.74%) 10/20
Efficiency Ratio (50.93%) 12/15
82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$433M
Customer-funded liabilities
Net Loans
$414M
Outstanding loan book
Net Income
$9M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Commercial Capital Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Commercial Capital Bank's score of 82/100 falls in the highlighted band.
Commercial Capital Bank'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 Capital Bank's $556M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.16% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.16%
Texas Ratio
15.74%
Equity Capital
$61M
Profitability metrics
Return on Assets (ROA)
88th percentile nationally
1.90%
Return on Equity (ROE)
17.85%
Efficiency Ratio
50.93%
What the numbers say about Commercial Capital Bank
Commercial Capital Bank is an FDIC-insured institution (Certificate #34784) headquartered in Delhi, Louisiana, established in 1999. It holds $556M in total assets - 1,659th of 4,313 FDIC-insured banks, $433M in customer deposits, and $414M in net loans. Its capital position: a Tier 1 ratio of 12.16%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 15.74% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (82 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Commercial Capital Bank sits 36th of 106 banks headquartered in Louisiana by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$34M
Interest Income
$2M
Non-Interest Income
$12M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Commercial Capital Bank reports a Texas Ratio of 15.74% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
15.74% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Louisiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Commercial Capital Bank (FDIC Cert #34784) - 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 Louisiana
All Louisiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Origin BankChoudrant | $9.6B | B | 0.76% |
| b1BANKBaton Rouge | $8.2B | A | 1.23% |
| First Guaranty BankHammond | $4.1B | C | -1.33% |
| Gulf Coast Bank and Trust CompanyNew Orleans | $3.6B | B | 1.15% |
| Home Bank, National AssociationLafayette | $3.5B | A | 1.41% |
| Red River BankAlexandria | $3.3B | A | 1.36% |
| Investar Bank, National AssociationBaton Rouge | $2.8B | B | 0.89% |
| Bonvenu Bank, National AssociationBossier City | $1.6B | B | 0.54% |
Frequently asked questions
What is Commercial Capital Bank's health grade?▼
Commercial Capital Bank receives a health grade of A (82/100) 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 Capital Bank?▼
Commercial Capital Bank holds $556M in total assets and $433M in deposits, ranking 1,659th of 4,313 FDIC-insured banks by asset size. It is headquartered in Delhi, Louisiana.
Is my money safe at Commercial Capital Bank?▼
Yes, deposits at Commercial Capital Bank (Certificate #34784) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Commercial Capital Bank's Tier 1 Capital Ratio?▼
Commercial Capital Bank has a Tier 1 Capital Ratio of 12.16%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Commercial Capital Bank?▼
Commercial Capital Bank has a Texas Ratio of 15.74%. 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 Capital Bank?▼
Commercial Capital Bank has an Efficiency Ratio of 50.93%. 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 Capital Bank's profile as a depositor or analyst.
- Commercial Capital Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Commercial Capital Bank against other Louisiana banks before moving funds. Louisiana 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.