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695 Town Center Drive, Suite 100
Costa Mesa, CA 92626

Commercial Bank of California is headquartered in Costa Mesa and is the 139th largest bank in the state of California. It is also the 3,004th largest bank in the nation. It was established in 2003 and as of March of 2014, it had grown to 33 employees at 2 locations. Commercial Bank of California has a A health rating.

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Data for Q1 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 March 31, 2014 Commercial Bank of California had $5 million in non-current loans and owned real-estate with $36.98 million in equity and loan loss allowances on hand to cover it. This gives Commercial Bank of California a Texas Ratio of 13.53% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Commercial Bank of California decreased dramatically from 36.38% as of March 31, 2013 to 13.53% as of March 31, 2014, resulting in a positive change of 62.80%.This indicates that the balance sheet and financial strength for Commercial Bank of California has improved dramatically in recent periods.

Deposit Growth


In the past year, Commercial Bank of California has increased its total deposits by $2.76 million, resulting in 1.65% 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 Commercial Bank of California has shown is above average.



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. Commercial Bank of California has $205.12 million in assets with $36.98 million in equity, resulting in a capitalization level of 18.03%, which is excellent.

Institution Statistics

FDIC Certificate #57417
Year Established2003
Primary RegulatorFDIC
Assets and Liabilities
Assets$205.12 million
Loans$130.18 million
Deposits$170.47 million
Equity Capital$33.46 million
Loan Loss Allowance$3.52 million
Unbacked Noncurrent Loans$3.37 million
Real Estate Owned$1.64 million
Historic Data - March 2013
Assets$202.31 million
Equity Capital$33.63 million
Loan Loss Allowance$3.17 million
Unbacked Noncurrent Loans$3.37 million
Real Estate Owned$8.96 million
Profit Margin - Quarterly
Net Interest Margin3.54%
Return on Assets0.03%
Return on Equity0.19%
Interest Income$1.97 million

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Commercial Bank of California Locations
Commercial Bank Of California695 Town Center Drive, Suite 100Costa Mesa, CA 92626
Brea BranchOne Pointe Drive, Suite 100Brea, CA 92821