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Overview / Commentary
800-788-9999
790 East Colorado Boulevard
Pasadena, CA 91101

Community Bank (CA) is headquartered in Pasadena and is the 23rd largest bank in the state of California. It is also the 232nd largest bank in the nation. It was established in 1983 and as of March of 2014, it had grown to 428 employees at 19 locations. Community Bank (CA) has a A health rating.

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

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 Community Bank (CA) had $21.72 million in non-current loans and owned real-estate with $301.5 million in equity and loan loss allowances on hand to cover it. This gives Community Bank (CA) a Texas Ratio of 7.20% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Community Bank (CA) decreased dramatically from 13.03% as of March 31, 2013 to 7.20% as of March 31, 2014, resulting in a positive change of 44.70%.This indicates that the balance sheet and financial strength for Community Bank (CA) has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Community Bank (CA) has increased its total deposits by $266.15 million, resulting in 11.54% 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 excellent.

Capitalization

GRADE:
C

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 $3.41 billion in assets with $301.5 million in equity, resulting in a capitalization level of 8.85%, which is average.

Institution Statistics

Overall
FDIC Certificate #24315
Year Established1983
Employees428
Primary RegulatorFDIC
Assets and Liabilities
Assets$3.41 billion
Loans$2.05 billion
Deposits$2.57 billion
Equity Capital$266.91 million
Loan Loss Allowance$34.59 million
Unbacked Noncurrent Loans$15.63 million
Real Estate Owned$6.09 million
Historic Data - March 2013
Assets$3.07 billion
Equity Capital$258.53 million
Loan Loss Allowance$34.81 million
Unbacked Noncurrent Loans$15.63 million
Real Estate Owned$3.38 million
Profit Margin - Quarterly
Net Interest Margin3.27%
Return on Assets0.78%
Return on Equity10.19%
Interest Income$31.29 million
Rates

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Community Bank (CA) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.05%--Personal Savings Account
0.05%--Business Savings Account

Community Bank (CA) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%$100k-Personal Premier Money Market Account
0.20%$2,500-Business Premier Money Market Account

Community Bank (CA) Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$1m-Legal Services Trust Fund
0.15%$1m-Business Interest Checking
0.05%$1,500-Personal Interest Checking

Community Bank (CA) CD Rates

DetailsAPYMINMAXPRODUCT
1.21%$50k-5 Year - 2189 Day CD
1.21%$50k-Business 5 Year - 2189 Day CD
0.95%$50k-4 Year - 1824 Day CD
0.95%$50k-Business 4 Year - 1824 Day CD
0.80%$50k-3 Year - 1459 Day CD
0.80%$50k-Business 3 Year - 1459 Day CD
0.50%$50k-2 Year - 1094 Day CD
0.50%$50k-Business 2 Year - 1094 Day CD
0.40%$50k-546 - 729 Day CD
0.40%$50k-Business 546 - 729 Day CD
0.35%$50k-365 - 545 Day CD
0.35%$50k-Business 365 - 545 Day CD
0.25%$50k-180 - 364 Day CD
0.25%$50k-Business 180 - 364 Day CD
0.20%$50k-90 - 179 Day CD
0.20%$50k-Business 90 - 179 Day CD
0.15%$2,500-7 - 29 Day CD
0.15%$2,500-30 - 89 Day CD
0.15%$2,500-Business 7 - 29 Day CD
0.15%$2,500-Business 30 - 89 Day CD
0.13%$5k-Treasury CD
0.13%$25k-Business Treasury CD

Community Bank (CA) IRA Rates

DetailsAPYMINMAXPRODUCT
1.21%$500-60 Month Fixed IRA
0.50%$500-30 - 59 Month Fixed IRA
0.40%$500-19 - 29 Month Fixed IRA
0.40%$100-18 Month Fixed Education IRA
0.35%$500-12 - 18 Month Fixed IRA
0.25%$500-6 - 11 Month Fixed IRA
0.20%$500-3 - 5 Month Fixed IRA
0.13%$500-18 Month Variable IRA
0.13%$100-18 Month Variable Keogh IRA
Locations

Community Bank (CA) has 19 locations. Click to view all Community Bank (CA) locations.