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Overview / Commentary
1951 Churn Creek Road
Redding, CA 96002

Redding Bank of Commerce is headquartered in Redding and is the 55th largest bank in the state of California. It is also the 704th largest bank in the nation. It was established in 1982 and as of December of 2013, it had grown to 146 employees at 5 locations. Redding Bank of Commerce has a B+ health rating.

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Redding Bank Of Commerce

I do business with this bank and have been pleased with their customer service. 


Data for Q4 2013

Institution Health


Texas Ratio


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 Redding Bank of Commerce had $30.71 million in non-current loans and owned real-estate with $127.65 million in equity and loan loss allowances on hand to cover it. This gives Redding Bank of Commerce a Texas Ratio of 24.06% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Redding Bank of Commerce decreased slightly from 31.58% as of December 31, 2012 to 24.06% as of December 31, 2013, resulting in a positive change of 23.83%.This indicates that the balance sheet and financial strength for Redding Bank of Commerce has improved slightly in recent periods.

Deposit Growth


In the past year, Redding Bank of Commerce has increased its total deposits by $44.77 million, resulting in 6.37% 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 Redding Bank of Commerce 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. Redding Bank of Commerce has $948.45 million in assets with $127.65 million in equity, resulting in a capitalization level of 13.46%, which is excellent.

Institution Statistics

FDIC Certificate #24074
Year Established1982
Primary RegulatorFDIC
Assets and Liabilities
Assets$948.45 million
Loans$584.13 million
Deposits$747.48 million
Equity Capital$113.48 million
Loan Loss Allowance$14.17 million
Unbacked Noncurrent Loans$29.80 million
Real Estate Owned$913,000
Historic Data - December 2012
Assets$975.28 million
Equity Capital$120.71 million
Loan Loss Allowance$11.10 million
Unbacked Noncurrent Loans$29.80 million
Real Estate Owned$3.06 million
Profit Margin - Quarterly
Net Interest Margin3.85%
Return on Assets0.9%
Return on Equity7.36%
Interest Income$37.49 million

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Redding Bank of Commerce Locations
Placer Street Office1177 Placer StreetRedding, CA 96001
Roseville Bank Of Commerce1504 Eureka RoadRoseville, CA 95661
Online Accounts Branch1951 Churn Creek RoadRedding, CA 96002
Redding Bank Of Commerce1951 Churn Creek RoadRedding, CA 96002
Buenaventura Branch3455 Placer StreetRedding, CA 96001