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California Bank of Commerce

California Bank of Commerce
Overview / Commentary
3595 Mt. Diablo Blvd., 2nd Floor
Lafayette, CA 94549

California Bank of Commerce is headquartered in Lafayette and is the 100th largest bank in the state of California. It is also the 1,590th largest bank in the nation. It was established in 2007 and as of June of 2014, it had grown to 50 employees at 1 location. California Bank of Commerce has a A+ health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 California Bank of Commerce had $3.73 million in non-current loans and owned real-estate with $62.17 million in equity and loan loss allowances on hand to cover it. This gives California Bank of Commerce a Texas Ratio of 6.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for California Bank of Commerce experienced no significant changes from 3.18% as of June 30, 2013 to 6.00% as of June 30, 2014, resulting in a negative change of 88.82%. This indicates that the balance sheet and financial strength for California Bank of Commerce has had no significant changes in recent periods.

Deposit Growth


In the past year, California Bank of Commerce has increased its total deposits by $53.33 million, resulting in 18.97% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth California Bank of Commerce has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. California Bank of Commerce has $421.92 million in assets with $62.17 million in equity, resulting in a capitalization level of 14.74%, which is excellent.

Institution Statistics

FDIC Certificate #58583
Year Established2007
Primary RegulatorFDIC
Assets and Liabilities
Assets$421.92 million
Loans$296.10 million
Deposits$334.49 million
Equity Capital$56.75 million
Loan Loss Allowance$5.43 million
Unbacked Noncurrent Loans$3.73 million
Real Estate Owned$0
Historic Data - June 2013
Assets$349.23 million
Equity Capital$37.41 million
Loan Loss Allowance$4.97 million
Unbacked Noncurrent Loans$3.73 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.87%
Return on Equity7.42%
Interest Income$7.81 million

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California Bank of Commerce Locations
California Bank Of Commerce3595 Mt. Diablo Blvd., 2nd FloorLafayette, CA 94549