Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
2400 East Gonzales Road
Oxnard, CA 93036

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.

No reviews have been left for this bank yet. Be the first to review.


Data for Q1 2014

Institution Health


Texas Ratio


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.

Deposit Growth


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.

Institution Statistics

FDIC Certificate #57423
Year Established2003
Primary RegulatorFDIC
Assets and Liabilities
Assets$237.47 million
Loans$121.97 million
Deposits$210.60 million
Equity Capital$20.93 million
Loan Loss Allowance$2.59 million
Real Estate Owned$206,000
Historic Data - March 2013
Assets$204.56 million
Equity Capital$18.99 million
Loan Loss Allowance$2.96 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.08%
Return on Assets0.75%
Return on Equity8.31%
Interest Income$1.78 million

Sorry, we do not have rate data for County Commerce Bank


County Commerce Bank Locations
Camarillo Branch2357-B Pickwick DriveCamarillo, CA 93010
Gonzales Branch2400 E. Gonzales RoadOxnard, CA 93036
County Commerce Bank3260 Telegraph RoadVentura, CA 93003