Commercial Bank of California is a state-chartered bank headquartered in Irvine, California, in business for about 23 years. At the end of Q2 2026 it reported $4.0B in total assets and $3.5B in deposits, with 10 offices.
Based on its Q2 2026 filing, Commercial Bank of California scores 64/100, which we describe as moderate. That is higher than only 33% of 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 80th. Its strongest component is problem-loan coverage (93/100; 3.5%), and its lowest is funding & liquidity (31/100; 80% loans-to-deposits, 62% 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 8 points (56 → 64), mostly because the earnings component improved by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 57 |
| Q4 2024 | 58 |
| Q1 2025 | 57 |
| Q2 2025 | 56 |
| Q3 2025 | 59 |
| Q4 2025 | 60 |
| Q1 2026 | 61 |
| Q2 2026 | 64 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.96% |
| Q3 2024 | 7.92% |
| Q4 2024 | 9.50% |
| Q1 2025 | 8.85% |
| Q2 2025 | 8.72% |
| Q3 2025 | 8.81% |
| Q4 2025 | 9.29% |
| Q1 2026 | 9.60% |
| Q2 2026 | 9.27% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.14% |
| Q3 2024 | 0.12% |
| Q4 2024 | 0.31% |
| Q1 2025 | 0.54% |
| Q2 2025 | 0.59% |
| Q3 2025 | 0.39% |
| Q4 2025 | 0.41% |
| Q1 2026 | 0.64% |
| Q2 2026 | 0.37% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.83% |
| Q3 2024 | 0.84% |
| Q4 2024 | 0.59% |
| Q1 2025 | 0.99% |
| Q2 2025 | 1.04% |
| Q3 2025 | 1.08% |
| Q4 2025 | 1.16% |
| Q1 2026 | 1.31% |
| Q2 2026 | 1.34% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $4.0B | 9.27% | 0.37% | 1.34% | 79.5% |
| Q1 2026 | 61 | $3.9B | 9.60% | 0.64% | 1.31% | 80.4% |
| Q4 2025 | 60 | $3.7B | 9.29% | 0.41% | 1.16% | 88.9% |
| Q3 2025 | 59 | $3.8B | 8.81% | 0.39% | 1.08% | 81.7% |
| Q2 2025 | 56 | $3.7B | 8.72% | 0.59% | 1.04% | 84.8% |
| Q1 2025 | 57 | $3.6B | 8.85% | 0.54% | 0.99% | 84.8% |
| Q4 2024 | 58 | $3.5B | 9.50% | 0.31% | 0.59% | 86.9% |
| Q3 2024 | 57 | $2.5B | 7.92% | 0.12% | 0.84% | 85.4% |
| Q2 2024 | 57 | $2.5B | 7.96% | 0.14% | 0.83% | 82.7% |
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 |
|---|---|---|---|---|---|
| California Bank of Commerce, National AssociationBank San Diego, CA | 75 out of 100, Strong | $4.0B | 12.8% | 0.29% | vs |
| Bank of MarinBank Novato, CA | 67 out of 100, Moderate | $3.9B | 9.2% | 0.40% | vs |
| Bank of the SierraBank Porterville, CA | 77 out of 100, Strong | $3.7B | 12.2% | 0.43% | vs |
| Royal Business BankBank Los Angeles, CA | 68 out of 100, Moderate | $4.3B | 12.5% | 0.72% | 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 Commercial Bank of California?
Yes. Commercial Bank of California is an FDIC-insured institution (FDIC certificate #57417). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 61.9% of deposits ($2.1B) 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 9.27%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.85% (benchmark: 10%).
10 locations
Branches
Commercial Bank of California lists 9 offices in 9 cities. Most locations:
- Anaheim, CA (1)
- Costa Mesa, CA (1)
- Danville, CA (1)
- Irvine, CA (1)
- Los Angeles, CA (1)
- Oakland, CA (1)
- San Jose, CA (1)
- San Mateo, CA (1)
- Santa Monica, CA (1)
Identity & history
Profile
- Legal name
- Commercial Bank of California
- Type
- State-chartered bank
- FDIC certificate #
- 57417
- RSSD ID
- 3189063
- Primary regulator
- FDIC
- Holding company
- Cbc Bcorp
- Established
- May 15, 2003
- Headquarters
- 19752 Macarthur Blvd, Irvine, CA 92612
- Website
- www.cbcal.com
- Employees
- 311
Quick answers
Commercial Bank of California: common questions
Is Commercial Bank of California FDIC insured?
Yes. Commercial Bank of California is an FDIC-insured institution (FDIC certificate #57417). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Commercial Bank of California's TellerScore?
64 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Commercial Bank of California ever failed?
There is no failure record for FDIC certificate #57417 in the FDIC failed bank list.
How many branches does Commercial Bank of California have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Irvine
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Capital Bank and Trust CompanyBank Irvine, CA | 94 out of 100, Very strong | $266.1M | 79.3% | 0.00% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Long Beach Firemen S Credit UnionCredit union Long Beach, CA | 91 out of 100, Very strong | $201.5M | 29.4% | 0.02% | vs |
| Santa Ana Federal Credit UnionCredit union Santa Ana, CA | 90 out of 100, Very strong | $111.6M | 13.5% | 0.06% | vs |
| California International Bank, N.A.Bank Westminster, CA | 89 out of 100, Very strong | $120.9M | 13.5% | 0.00% | vs |
| Certified Federal Credit UnionCredit union El Monte, CA | 88 out of 100, Very strong | $925.3M | 20.7% | 0.37% | vs |