County Commerce Bank is headquartered in Oxnard and is the 127th largest bank in the state of California. It is also the 2,672nd largest bank in the nation. It was established in 2003 and as of March of 2014, it had grown to 30 employees at 4 locations. County Commerce Bank has a A health rating.
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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 County Commerce Bank had $206,000 in non-current loans and owned real-estate with $23.52 million in equity and loan loss allowances on hand to cover it. This gives County Commerce Bank a Texas Ratio of 0.88% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
In the past year, County Commerce Bank has increased its total deposits by $30.03 million, resulting in 16.63% 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 County Commerce 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. County Commerce Bank has $237.47 million in assets with $23.52 million in equity, resulting in a capitalization level of 9.90%, which is above average.
|FDIC Certificate #||57423|
|Assets and Liabilities|
|Equity Capital||$20.93 million|
|Loan Loss Allowance||$2.59 million|
|Real Estate Owned||$206,000|
|Historic Data - March 2013|
|Equity Capital||$18.99 million|
|Loan Loss Allowance||$2.96 million|
|Real Estate Owned||$0|
|Profit Margin - Quarterly|
|Net Interest Margin||3.08%|
|Return on Assets||0.75%|
|Return on Equity||8.31%|
|Interest Income||$1.78 million|
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|County Commerce Bank Locations|
|Camarillo Branch||2357-B Pickwick Drive||Camarillo, CA 93010|
|Gonzales Branch||2400 E. Gonzales Road||Oxnard, CA 93036|
|County Commerce Bank||3260 Telegraph Road||Ventura, CA 93003|