Community Bank (CA)

Community Bank (CA) Locations
790 East Colorado Boulevard
Pasadena, CA 91101
800-788-9999
www.cbank.com

Community Bank (CA) is headquartered in Pasadena and is the 23rd largest bank in the state of California. It is also the 269th largest bank in the nation. It was established in 1983 and as of September of 2011, it had grown to 363 employees at 17 locations. Community Bank (CA) has a 4-star health rating.

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Top 5-Year CD and IRA CD Rate at Community Bank in Southern California - Local Only - 8/5/2010

Community Bank is offering a 3.05% APY 5-year CD. Minimum deposit is $50,000. The rate is only 2.33% APY for a $2,500 minimum deposit. The 3.05% APY is also available in an IRA with only a $500 minimu ...



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See Rates for: Checking | Savings | Money Market | CD | IRA

Community Bank (CA) Checking Account Rates

ApyMinMaxProduct
0.18%$1m-Business Premier Checking
0.18%$1m-Legal Services Trust Fund
0.05%$1,500-Personal Interest Checking Account
0.05%--Business Interest Checking Account

Community Bank (CA) Savings Account Rates

ApyMinMaxProduct
0.10%--Personal Savings Account
0.10%--Business Savings Account

Community Bank (CA) Money Market Rates

ApyMinMaxProduct
0.35%$100k-Personal Premier Money Market Account
0.25%$2,500-Business Premier Money Market Account

Community Bank (CA) CD Rates

ApyMinMaxProduct
1.45%$2,500-5 Year - 2189 Day CD
1.45%$2,500-Business 5 Year - 2189 Day CD
1.20%$2,500-4 Year - 1824 Day CD
1.20%$2,500-Business 4 Year - 1824 Day CD
0.85%$50k-3 Year - 1459 Day CD
0.85%$50k-Business 3 Year - 1459 Day CD
0.65%$50k-2 Year - 1094 Day CD
0.65%$50k-Business 2 Year - 1094 Day CD
0.55%$50k-546 - 729 Day CD
0.55%$50k-Business 546 - 729 Day CD
0.50%$50k-365 - 545 Day CD
0.50%$50k-Business 365 - 545 Day CD
0.30%$50k-180 - 364 Day CD
0.30%$50k-Business 180 - 364 Day CD
0.18%$100k-Treasury CD
0.18%$250k-Business Treasury CD
0.15%$2,500-7 - 29 Day CD
0.15%$2,500-30 - 89 Day CD
0.15%$2,500-90 - 179 Day CD
0.15%$2,500-Business 7 - 29 Day CD
0.15%$2,500-Business 30 - 89 Day CD
0.15%$2,500-Business 90 - 179 Day CD

Community Bank (CA) IRA Rates

ApyMinMaxProduct
1.46%$500-60 Month Fixed IRA
1.46%$500-60 Month Fixed Roth IRA
1.46%$500-60 Month Fixed Keogh IRA
1.46%$500-60 Month Fixed Education IRA
0.65%$500-30 - 59 Month Fixed IRA
0.65%$500-30 - 59 Month Fixed Roth IRA
0.65%$500-30 - 59 Month Fixed Keogh IRA
0.65%$500-30 - 59 Month Fixed Education IRA
0.55%$500-19 - 29 Month Fixed IRA
0.55%$500-19 - 29 Month Fixed Roth IRA
0.55%$500-19 - 29 Month Fixed Keogh IRA
0.55%$100-18 Month Fixed Education IRA
0.55%$500-19 - 29 Month Fixed Education IRA
0.55%$100-18 Month Variable Keogh IRA
0.50%$500-12 - 18 Month Fixed IRA
0.50%$500-12 - 18 Month Fixed Roth IRA
0.50%$500-12 - 18 Month Fixed Keogh IRA
0.50%$500-12 - 18 Month Fixed Education IRA
0.30%$500-6 - 11 Month Fixed IRA
0.30%$500-6 - 11 Month Fixed Roth IRA
0.30%$500-6 - 11 Month Fixed Keogh IRA
0.30%$500-6 - 11 Month Fixed Education IRA
0.18%$500-18 Month Variable IRA
0.18%$500-18 Month Variable Roth IRA
0.18%$500-18 Month Variable Education IRA
0.15%$500-3 - 5 Month Fixed IRA
0.15%$500-3 - 5 Month Fixed Roth IRA
0.15%$500-3 - 5 Month Fixed Keogh IRA
0.15%$500-3 - 5 Month Fixed Education IRA

Rates updated: 2/10/2012

Data for Q3 2011


Institution Statistics


Community Bank
FDIC Certificate #24315
BankRate ReportView
Year Established1983
Employees363
Primary RegulatorFDIC

Assets and Liabilities

Assets$2.61 billion
Loans$1.73 billion
Deposits$1.99 billion
Equity Capital$259.34 million
Loan Loss Allowance$36.39 million
Unbacked Noncurrent Loans$52.08 million
Real Estate Owned$6.37 million

Historic Data - September 2010

Assets$2.55 billion
Equity Capital$233.35 million
Loan Loss Allowance$37.31 million
Unbacked Noncurrent Loans$65.02 million
Real Estate Owned$2.93 million

Profit Margin - Quarterly

Net Interest Margin3.83%
Return on Assets0.96%
Return on Equity10.05%
Interest Income$87.03 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio3
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Community Bank (CA) had $58.46 million in non-current loans and owned real-estate with $295.73 million in equity and loan loss allowances on hand to cover it. This gives Community Bank (CA) a Texas Ratio of 19.77% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Community Bank (CA) decreased slightly from 24.38% as of September 30, 2010 to 19.77% as of September 30, 2011, resulting in a positive change of 18.92%.This indicates that the balance sheet and financial strength for Community Bank (CA) has improved slightly in recent periods.
Deposit Growth3
In the past year, Community Bank (CA) has increased its total deposits by $19.27 million, resulting in 0.98% 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 Community Bank (CA) has shown is average.
Capitalization4
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. Community Bank (CA) has $2.61 billion in assets with $295.73 million in equity, resulting in a capitalization level of 11.34%, which is above average.
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