Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
3534 Wilshire Boulevard Suit
Los Angeles, CA 90010

Commonwealth Business Bank is headquartered in Los Angeles and is the 75th largest bank in the state of California. It is also the 1,165th largest bank in the nation. It was established in 2005 and as of March of 2014, it had grown to 92 employees at 3 locations. Commonwealth Business Bank has a A+ health rating.

No reviews have been left for this bank yet. Be the first to review.


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 Commonwealth Business Bank had $2.38 million in non-current loans and owned real-estate with $76.01 million in equity and loan loss allowances on hand to cover it. This gives Commonwealth Business Bank a Texas Ratio of 3.13% 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 Commonwealth Business Bank decreased slightly from 4.23% as of March 31, 2013 to 3.13% as of March 31, 2014, resulting in a positive change of 26.13%.This indicates that the balance sheet and financial strength for Commonwealth Business Bank has improved slightly in recent periods.

Deposit Growth


In the past year, Commonwealth Business Bank has increased its total deposits by $63.36 million, resulting in 14.47% 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 Commonwealth Business Bank 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. Commonwealth Business Bank has $572.11 million in assets with $76.01 million in equity, resulting in a capitalization level of 13.29%, which is excellent.

Institution Statistics

FDIC Certificate #57873
Year Established2005
Primary RegulatorFED
Assets and Liabilities
Assets$572.11 million
Loans$463.84 million
Deposits$501.34 million
Equity Capital$67.27 million
Loan Loss Allowance$8.74 million
Unbacked Noncurrent Loans$2.38 million
Real Estate Owned$0
Historic Data - March 2013
Assets$500.99 million
Equity Capital$59.19 million
Loan Loss Allowance$10.16 million
Unbacked Noncurrent Loans$2.38 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.89%
Return on Assets2.4%
Return on Equity20.98%
Interest Income$6.31 million

Sorry, we do not have rate data for Commonwealth Business Bank


Commonwealth Business Bank Locations
Downtown Center1001 Towne Ave Ste 201Los Angeles, CA 90021
Commonwealth Business Bank3534 Wilshire Boulevard. Suite 700Los Angeles, CA 90010
Irvine Center Branch9120 Irvine Center Drive, #100Irvine, CA 92618