TellerScore

Headquartered in Chino, California, Chino Commercial Bank, N.A. is a national bank with $516.7M in total assets and $397.2M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 2000.

Chino Commercial Bank, N.A. has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 23rd. Problem-loan coverage contributes the most (96/100, 1.9%); funding & liquidity contributes the least (65/100, 59% loans-to-deposits, 46% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion75/100
Tier 1 leverage ratio: 12.51%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.49%
Earnings81/100
Return on assets (annualized): 1.54%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 58.9% · 46.3% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.90%

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 (77 → 79), mostly because the earnings component improved by 7 points.

TellerScore
727679Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202473
Q4 202472
Q1 202574
Q2 202577
Q3 202578
Q4 202579
Q1 202678
Q2 202679
Tier 1 leverage ratio
5.00%8.76%12.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.47%
Q3 202410.53%
Q4 202411.01%
Q1 202511.64%
Q2 202512.08%
Q3 202512.16%
Q4 202512.26%
Q1 202612.36%
Q2 202612.51%
Noncurrent loans
0.23%0.42%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.24%
Q3 20240.23%
Q4 20240.60%
Q1 20250.54%
Q2 20250.41%
Q3 20250.40%
Q4 20250.32%
Q1 20260.51%
Q2 20260.49%
Return on assets
1.22%1.38%1.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.22%
Q3 20241.23%
Q4 20241.25%
Q1 20251.29%
Q2 20251.35%
Q3 20251.37%
Q4 20251.34%
Q1 20261.52%
Q2 20261.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$516.7M12.51%0.49%1.54%58.9%
Q1 202678$465.8M12.36%0.51%1.52%58.5%
Q4 202579$492.9M12.26%0.32%1.34%56.9%
Q3 202578$487.5M12.16%0.40%1.37%52.2%
Q2 202577$481.6M12.08%0.41%1.35%53.1%
Q1 202574$471.0M11.64%0.54%1.29%54.2%
Q4 202472$466.4M11.01%0.60%1.25%56.2%
Q3 202473$463.9M10.53%0.23%1.23%50.7%
Q2 202473$467.6M10.47%0.24%1.22%54.7%

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).

Capital ratio12.51%
70th
Total risk-based capital0.00%
24th
Problem loans0.49%
46th
Net charge-offs-0.01%
88th
Return on assets1.54%
67th
Net interest margin3.95%
51st
Efficiency ratio49.2%
85th
Loans to deposits58.9%
84th
Uninsured deposits46.3%
6th
Loan-loss reserves2.15%
95th
Texas ratio1.9%
59th

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
First Credit BankBank Los Angeles, CA64 out of 100, Moderate$515.8M47.6%3.33%vs
New OMNI Bank, National AssociationBank Alhambra, CA53 out of 100, Below average$517.9M27.1%7.69%vs
First Pacific BankBank Whittier, CA56 out of 100, Moderate$514.4M9.2%0.31%vs
Mega BankBank San Gabriel, CA68 out of 100, Moderate$506.7M14.4%1.61%vs
Redwood Capital BankBank Eureka, CA76 out of 100, Strong$566.0M11.0%0.13%vs
Pacific Alliance BankBank San Gabriel, CA85 out of 100, Very strong$454.4M13.4%0.16%vs

Deposit insurance

Is my money safe at Chino Commercial Bank, N.A.?

Yes. Chino Commercial Bank, N.A. is an FDIC-insured institution (FDIC certificate #35366). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 46.3% of deposits ($184.1M) 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 12.51%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Chino Commercial Bank, N.A. lists 5 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Chino Commercial Bank, N.A.
Type
National bank
FDIC certificate #
35366
RSSD ID
2925620
Primary regulator
OCC
Holding company
Chino Commercial Bcorp
Established
September 1, 2000
Headquarters
14245 Pipeline Ave, Chino, CA 91710
Employees
66

Quick answers

Chino Commercial Bank, N.A.: common questions

Is Chino Commercial Bank, N.A. FDIC insured?

Yes. Chino Commercial Bank, N.A. is an FDIC-insured institution (FDIC certificate #35366). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Chino Commercial Bank, N.A.'s TellerScore?

79 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 Chino Commercial Bank, N.A. ever failed?

There is no failure record for FDIC certificate #35366 in the FDIC failed bank list.

How many branches does Chino Commercial Bank, N.A. have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Chino

InstitutionScoreAssetsCapitalProblem loansCompare
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Santa Ana Federal Credit UnionCredit union Santa Ana, CA90 out of 100, Very strong$111.6M13.5%0.06%vs
California International Bank, N.A.Bank Westminster, CA89 out of 100, Very strong$120.9M13.5%0.00%vs
Asian Pacific National BankBank San Gabriel, CA89 out of 100, Very strong$56.9M20.1%0.00%vs
American Plus Bank, N.A.Bank Arcadia, CA88 out of 100, Very strong$935.0M16.5%0.04%vs
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs