California Bank of Commerce, National Association is a national bank headquartered in San Diego, California, in business for about 25 years. At the end of Q2 2026 it reported $4.0B in total assets and $3.4B in deposits, with 14 offices.
Based on its Q2 2026 filing, California Bank of Commerce, National Association scores 75/100, which we describe as strong. That is higher than 77% of 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 33rd. Its strongest component is problem-loan coverage (95/100; 2.7%), and its lowest is funding & liquidity (29/100; 91% loans-to-deposits, 50% uninsured).
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 2 points (73 → 75), mostly because the loan quality component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 56 |
| Q4 2024 | 57 |
| Q1 2025 | 73 |
| Q2 2025 | 73 |
| Q3 2025 | 72 |
| Q4 2025 | 72 |
| Q1 2026 | 67 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.16% |
| Q3 2024 | 12.41% |
| Q4 2024 | 11.15% |
| Q1 2025 | 12.15% |
| Q2 2025 | 12.13% |
| Q3 2025 | 11.42% |
| Q4 2025 | 11.57% |
| Q1 2026 | 12.02% |
| Q2 2026 | 12.80% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.25% |
| Q3 2024 | 0.79% |
| Q4 2024 | 0.84% |
| Q1 2025 | 0.74% |
| Q2 2025 | 0.61% |
| Q3 2025 | 0.52% |
| Q4 2025 | 0.53% |
| Q1 2026 | 1.03% |
| Q2 2026 | 0.29% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.49% |
| Q3 2024 | -0.46% |
| Q4 2024 | 0.26% |
| Q1 2025 | 1.79% |
| Q2 2025 | 1.66% |
| Q3 2025 | 1.65% |
| Q4 2025 | 1.66% |
| Q1 2026 | 1.42% |
| Q2 2026 | 1.45% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $4.0B | 12.80% | 0.29% | 1.45% | 91.5% |
| Q1 2026 | 67 | $4.0B | 12.02% | 1.03% | 1.42% | 87.1% |
| Q4 2025 | 72 | $4.0B | 11.57% | 0.53% | 1.66% | 89.2% |
| Q3 2025 | 72 | $4.1B | 11.42% | 0.52% | 1.65% | 84.9% |
| Q2 2025 | 73 | $4.0B | 12.13% | 0.61% | 1.66% | 88.9% |
| Q1 2025 | 73 | $4.0B | 12.15% | 0.74% | 1.79% | 90.5% |
| Q4 2024 | 57 | $4.0B | 11.15% | 0.84% | 0.26% | 91.3% |
| Q3 2024 | 56 | $4.4B | 12.41% | 0.79% | -0.46% | 84.9% |
| Q2 2024 | 67 | $2.3B | 12.16% | 0.25% | 0.49% | 96.0% |
897 peers · $1 billion – $10 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 |
|---|---|---|---|---|---|
| Commercial Bank of CaliforniaBank Irvine, CA | 64 out of 100, Moderate | $4.0B | 9.3% | 0.37% | vs |
| Bank of MarinBank Novato, CA | 67 out of 100, Moderate | $3.9B | 9.2% | 0.40% | vs |
| Royal Business BankBank Los Angeles, CA | 68 out of 100, Moderate | $4.3B | 12.5% | 0.72% | vs |
| Bank of the SierraBank Porterville, CA | 77 out of 100, Strong | $3.7B | 12.2% | 0.43% | vs |
| American Business BankBank Los Angeles, CA | 69 out of 100, Moderate | $4.4B | 11.0% | 0.44% | vs |
| PCB BankBank Los Angeles, CA | 70 out of 100, Strong | $3.5B | 11.5% | 0.30% | vs |
Deposit insurance
Is my money safe at California Bank of Commerce, National Association?
Yes. California Bank of Commerce, National Association is an FDIC-insured institution (FDIC certificate #57044). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 50.4% of deposits ($1.7B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.80%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.94% (benchmark: 10%).
14 locations
Branches
California Bank of Commerce, National Association lists 14 offices in 13 cities. Most locations:
- San Diego, CA (2)
- Carlsbad, CA (1)
- Encino, CA (1)
- Glendale, CA (1)
- Irvine, CA (1)
- La Quinta, CA (1)
- Los Angeles, CA (1)
- Ramona, CA (1)
- Rancho Mirage, CA (1)
- Rancho Santa Margarita, CA (1)
- Santa Clarita, CA (1)
- Walnut Creek, CA (1)
Identity & history
Profile
- Legal name
- California Bank of Commerce, National Association
- Former names
- Ramona National Bank; First Business Bank, National Association; Bank of Southern California, N.A.; Bank of Southern California, National Association
- Type
- National bank
- FDIC certificate #
- 57044
- RSSD ID
- 3076453
- Primary regulator
- OCC
- Holding company
- California Bcorp
- Established
- December 18, 2001
- Headquarters
- 12265 El Camino Real, San Diego, CA 92130
- Employees
- 300
Quick answers
California Bank of Commerce, National Association: common questions
Is California Bank of Commerce, National Association FDIC insured?
Yes. California Bank of Commerce, National Association is an FDIC-insured institution (FDIC certificate #57044). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is California Bank of Commerce, 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 California Bank of Commerce, National Association ever failed?
There is no failure record for FDIC certificate #57044 in the FDIC failed bank list.
How many branches does California Bank of Commerce, National Association have?
14 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near San Diego
| 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 |