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Overview / Commentary
916-830-3597
1550 Harbor Boulevard, Suite 200
West Sacramento, CA 95691

Community Business Bank (CA) is headquartered in West Sacramento and is the 151st largest bank in the state of California. It is also the 3,331st largest bank in the nation. It was established in 2005 and as of December of 2013, it had grown to 29 employees at 4 locations. Community Business Bank (CA) has a A+ health rating.

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Health

Data for Q4 2013

Institution Health

A+

Texas Ratio

GRADE:
A+

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 December 31, 2013 Community Business Bank (CA) had $0 in non-current loans and owned real-estate with $24.68 million in equity and loan loss allowances on hand to cover it. This gives Community Business Bank (CA) a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth

GRADE:
A+

In the past year, Community Business Bank (CA) has increased its total deposits by $29.36 million, resulting in 24.06% 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 Business Bank (CA) has shown is excellent.

Capitalization

GRADE:
A+

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 Business Bank (CA) has $176.16 million in assets with $24.68 million in equity, resulting in a capitalization level of 14.01%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #58159
Year Established2005
Employees29
Primary RegulatorFDIC
Assets and Liabilities
Assets$176.16 million
Loans$119.28 million
Deposits$151.36 million
Equity Capital$22.71 million
Loan Loss Allowance$1.97 million
Real Estate Owned$0
Historic Data - December 2012
Assets$147.53 million
Equity Capital$22.67 million
Loan Loss Allowance$1.88 million
Unbacked Noncurrent Loans$0
Real Estate Owned$936,000
Profit Margin - Quarterly
Net Interest Margin4.47%
Return on Assets0.68%
Return on Equity4.75%
Interest Income$7.06 million
Rates

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Community Business Bank (CA) Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.35%--Roth IRA Savings
0.35%--IRA Savings
0.35%--CESA Savings
0.35%--SIMPLE IRA Savings
0.35%--SEP IRA Savings
0.25%--Statement Savings
0.15%--Health Savings Account

Community Business Bank (CA) Money Market Rates

DetailsAPYMINMAXPRODUCT
0.25%--Money Market Account
0.25%--Premium Money Market
0.05%--Public Premium Money Market

Community Business Bank (CA) Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.25%--Interest Checking - Consumer
0.05%$25k-Interest Checking - Business

Community Business Bank (CA) CD Rates

DetailsAPYMINMAXPRODUCT
0.85%$50k-60 Month Business CD
0.85%$50k-60 Month CD
0.65%$50k-48 Month CD
0.65%$50k-48 Month Business CD
0.55%$50k-36 Month CD
0.55%$50k-36 Month Business CD
0.45%$50k-24 Month CD
0.45%$50k-24 Month Business CD
0.35%$50k-18 Month CD
0.35%$50k-18 Month Business CD
0.30%$50k-12 Month CD
0.30%$50k-12 Month Business CD
0.30%$50k-36 Month Triple Choice CD
0.20%$50k-6 Month CD
0.20%$50k-6 Month Business CD
0.20%$100k-24 Month Public Funds CD
0.15%$50k-3 Month CD
0.15%$50k-3 Month Business CD
0.10%$50k-18 Month Freedom CD
0.05%$10k-6 Month Public Funds CD
0.05%$10k-12 Month Public Funds CD
0.05%$100k-3 Month Public Funds CD

Community Business Bank (CA) IRA Rates

DetailsAPYMINMAXPRODUCT
1.10%$50k-60 Month IRA (Traditional,Roth,CESA,SIMPLE,SEP)
0.90%$50k-48 Month IRA (Traditional,Roth,CESA,SIMPLE,SEP)
0.80%$50k-36 Month IRA (Traditional,Roth,CESA,SIMPLE,SEP)
0.70%$50k-24 Month IRA (Traditional,Roth,CESA,SIMPLE,SEP)
0.60%$50k-18 Month IRA (Traditional,Roth,CESA,SIMPLE,SEP)
0.55%$50k-12 Month IRA (Traditional,Roth,CESA,SIMPLE,SEP)
0.35%$50k-18 Month Freedom IRA (Traditional,Roth,CESA,SIMPLE,SEP)
Locations


Community Business Bank (CA) Locations
Lodi Branch1540 Kettleman Lane, Suite ALodi, CA 95242
Headquarters Office1550 Harbor Boulevard, Suite 200West Sacramento, CA 95691
Community Business Bank710 Riverpointe CtWest Sacramento, CA 95605