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Overview / Commentary
909-625-7891
358 W Foothill Blvd
Claremont, CA 91711

Community Commerce Bank is headquartered in Claremont and is the 134th largest bank in the state of California. It is also the 2,855th largest bank in the nation. It was established in 1976 and as of March of 2014, it had grown to 41 employees at 5 locations. Community Commerce Bank has a C+ health rating.

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Health

Data for Q1 2014

Institution Health

C+

Texas Ratio

GRADE:
C+

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 Commerce Bank had $15.79 million in non-current loans and owned real-estate with $54.46 million in equity and loan loss allowances on hand to cover it. This gives Community Commerce Bank a Texas Ratio of 29.00% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Community Commerce Bank decreased slightly from 34.44% as of March 31, 2013 to 29.00% as of March 31, 2014, resulting in a positive change of 15.79%.This indicates that the balance sheet and financial strength for Community Commerce Bank has improved slightly in recent periods.

Deposit Growth

GRADE:
F

In the past year, Community Commerce Bank has decreased its total deposits by -$49.74 million, resulting in -26.86% 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 Commerce Bank has shown is poor.

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 Commerce Bank has $217.93 million in assets with $54.46 million in equity, resulting in a capitalization level of 24.99%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #26363
Year Established1976
Employees41
Primary RegulatorFDIC
Assets and Liabilities
Assets$217.93 million
Loans$142.10 million
Deposits$135.43 million
Equity Capital$47.93 million
Loan Loss Allowance$6.53 million
Unbacked Noncurrent Loans$9.51 million
Real Estate Owned$6.28 million
Historic Data - March 2013
Assets$252.22 million
Equity Capital$43.54 million
Loan Loss Allowance$10.51 million
Unbacked Noncurrent Loans$9.51 million
Real Estate Owned$6.07 million
Profit Margin - Quarterly
Net Interest Margin5.4%
Return on Assets1.39%
Return on Equity6.57%
Interest Income$2.99 million
Rates
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Community Commerce Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.30%$50-Savings Account
Locations


Community Commerce Bank Locations
Woodland Hills Branch20929 Ventura Boulevard, Suite 12Woodland Hills, CA 91364
Monterey Park Branch2323 S. Atlantic BoulevardMonterey Park, CA 91754
Oceanside Branch3124 West Vista Way, Suite 101Oceanside, CA 92054
Community Commerce Bank358 W Foothill BlvdClaremont, CA 91711
Foothill Boulevard Branch390 West Foothill BoulevardClaremont, CA 91711