C3bank, National Association (FDIC certificate #25249) is based in Encinitas, California. Its Q2 2026 call report shows $949.3M in total assets and $836.4M in deposits and 5 offices across 2 states.
Based on its Q2 2026 filing, C3bank, National Association scores 75/100, which we describe as strong. That is higher than 61% of 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 35th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (56/100; 10.59%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 7 points (68 → 75), mostly because the funding & liquidity component improved by 23 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 69 |
| Q4 2024 | 70 |
| Q1 2025 | 67 |
| Q2 2025 | 68 |
| Q3 2025 | 68 |
| Q4 2025 | 72 |
| Q1 2026 | 72 |
| Q2 2026 | 75 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.46% |
| Q3 2024 | 10.35% |
| Q4 2024 | 9.78% |
| Q1 2025 | 8.98% |
| Q2 2025 | 9.53% |
| Q3 2025 | 9.55% |
| Q4 2025 | 9.97% |
| Q1 2026 | 10.26% |
| Q2 2026 | 10.59% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.23% |
| Q3 2024 | 1.23% |
| Q4 2024 | 1.20% |
| Q1 2025 | 1.12% |
| Q2 2025 | 1.14% |
| Q3 2025 | 1.19% |
| Q4 2025 | 1.19% |
| Q1 2026 | 1.20% |
| Q2 2026 | 1.14% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $949.3M | 10.59% | 0.00% | 1.14% | 71.0% |
| Q1 2026 | 72 | $882.7M | 10.26% | 0.00% | 1.20% | 77.5% |
| Q4 2025 | 72 | $996.2M | 9.97% | 0.00% | 1.19% | 67.7% |
| Q3 2025 | 68 | $934.0M | 9.55% | 0.00% | 1.19% | 69.8% |
| Q2 2025 | 68 | $952.1M | 9.53% | 0.00% | 1.14% | 66.8% |
| Q1 2025 | 67 | $928.8M | 8.98% | 0.00% | 1.12% | 65.7% |
| Q4 2024 | 70 | $950.5M | 9.78% | 0.00% | 1.20% | 65.4% |
| Q3 2024 | 69 | $809.2M | 10.35% | 0.00% | 1.23% | 81.8% |
| Q2 2024 | 65 | $772.8M | 9.46% | 0.00% | 1.23% | 89.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Summit State BankBank Santa Rosa, CA | 42 out of 100, Below average | $959.8M | 10.8% | 2.43% | vs |
| Pinnacle BankBank Gilroy, CA | 52 out of 100, Below average | $937.0M | 11.9% | 2.30% | vs |
| American Plus Bank, N.A.Bank Arcadia, CA | 88 out of 100, Very strong | $935.0M | 16.5% | 0.04% | vs |
| HCN BankBank Riverside, CA | 79 out of 100, Strong | $998.4M | 11.7% | 0.00% | vs |
| Bank of San FranciscoBank San Francisco, CA | 68 out of 100, Moderate | $863.6M | 10.9% | 0.09% | vs |
| First Commercial Bank (USA)Bank Alhambra, CA | 71 out of 100, Strong | $849.9M | 23.3% | 1.05% | vs |
Deposit insurance
Is my money safe at C3bank, National Association?
Yes. C3bank, National Association is an FDIC-insured institution (FDIC certificate #25249). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 35.8% of deposits ($299.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.59%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.83% (benchmark: 10%).
5 locations
Branches
C3bank, National Association lists 4 offices in 4 cities across 2 states. Most locations:
- Encinitas, CA (1)
- Nashville, TN (1)
- Riverside, CA (1)
- San Marcos, CA (1)
Identity & history
Profile
- Legal name
- C3bank, National Association
- Former names
- First National Bank of Southern California; Inland Empire National Bank
- Type
- National bank
- FDIC certificate #
- 25249
- RSSD ID
- 754068
- Primary regulator
- OCC
- Holding company
- C3 Bcorp
- Established
- June 1, 1984
- Headquarters
- 850 S Coast Highway 101, Encinitas, CA 92024
- Website
- www.c3bank.com
- Employees
- 63
Quick answers
C3bank, National Association: common questions
Is C3bank, National Association FDIC insured?
Yes. C3bank, National Association is an FDIC-insured institution (FDIC certificate #25249). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is C3bank, National Association's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has C3bank, National Association ever failed?
There is no failure record for FDIC certificate #25249 in the FDIC failed bank list.
How many branches does C3bank, National Association have?
5 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Encinitas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Certified Federal Credit UnionCredit union El Monte, CA | 88 out of 100, Very strong | $925.3M | 20.7% | 0.37% | vs |
| San Diego County Credit UnionCredit union San Diego, CA | 86 out of 100, Very strong | $9.5B | 19.8% | 0.20% | vs |
| California Coast Credit UnionCredit union San Diego, CA | 85 out of 100, Very strong | $3.5B | 13.9% | 0.26% | vs |
| Home Bank of CaliforniaBank San Diego, CA | 84 out of 100, Strong | $255.4M | 12.3% | 0.00% | vs |
| Mission Federal Credit UnionCredit union San Diego, CA | 81 out of 100, Strong | $7.3B | 12.3% | 0.15% | vs |
| Sag-Aftra Federal Credit UnionCredit union Burbank, CA | 81 out of 100, Strong | $335.6M | 13.1% | 0.63% | vs |