TellerScore

Community Commerce Bank is a state-chartered bank headquartered in Claremont, California, in business for about 50 years. At the end of Q2 2026 it reported $422.7M in total assets and $317.5M in deposits, with 4 offices.

Based on its Q2 2026 filing, Community Commerce Bank scores 84/100, which we describe as strong. That is higher than 86% of 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 14th. Its strongest component is capital cushion (100/100; 15.25%), and its lowest is earnings (51/100; 0.78%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.25%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings51/100
Return on assets (annualized): 0.78%
Funding & liquidity61/100
Loans ÷ deposits and uninsured-deposit share: 98.9% · 13.6% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.03%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (83 → 84).

TellerScore
818384Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202481
Q3 202483
Q4 202484
Q1 202582
Q2 202583
Q3 202583
Q4 202583
Q1 202684
Q2 202684
Tier 1 leverage ratio
5.00%10.34%15.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202415.32%
Q3 202415.40%
Q4 202415.44%
Q1 202515.36%
Q2 202515.69%
Q3 202515.63%
Q4 202515.64%
Q1 202615.28%
Q2 202615.25%
Noncurrent loans
0.00%0.09%0.18%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.18%
Q3 20240.03%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.01%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.55%0.66%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.66%
Q3 20240.75%
Q4 20240.70%
Q1 20250.55%
Q2 20250.64%
Q3 20250.71%
Q4 20250.70%
Q1 20260.76%
Q2 20260.78%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$422.7M15.25%0.00%0.78%98.9%
Q1 202684$413.5M15.28%0.00%0.76%97.9%
Q4 202583$411.5M15.64%0.01%0.70%96.4%
Q3 202583$398.4M15.63%0.00%0.71%96.7%
Q2 202583$397.1M15.69%0.00%0.64%97.3%
Q1 202582$395.5M15.36%0.00%0.55%95.6%
Q4 202484$400.3M15.44%0.00%0.70%95.6%
Q3 202483$395.0M15.40%0.03%0.75%96.6%
Q2 202481$392.2M15.32%0.18%0.66%96.6%

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 ratio15.25%
88th
Total risk-based capital19.13%
84th
Problem loans0.00%
94th
Net charge-offs0.02%
37th
Return on assets0.78%
22nd
Net interest margin3.22%
17th
Efficiency ratio63.1%
48th
Loans to deposits98.9%
12th
Uninsured deposits13.6%
86th
Loan-loss reserves1.13%
42nd
Texas ratio4.0%
41st

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
Liberty Bank, National AssociationBank Irvine, CA72 out of 100, Strong$399.2M14.4%0.00%vs
Community Bank of Santa MariaBank Santa Maria, CA72 out of 100, Strong$396.5M10.5%0.15%vs
Balboa Thrift and Loan AssociationBank Chula Vista, CA48 out of 100, Below average$394.5M10.6%1.14%vs
Pacific Alliance BankBank San Gabriel, CA85 out of 100, Very strong$454.4M13.4%0.16%vs
Universal BankBank West Covina, CA54 out of 100, Below average$388.0M17.8%3.74%vs
American Continental BankBank City Of Industry, CA87 out of 100, Very strong$385.3M16.2%0.37%vs

Deposit insurance

Is my money safe at Community Commerce Bank?

Yes. Community Commerce Bank is an FDIC-insured institution (FDIC certificate #26363). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 13.6% of deposits ($43.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 15.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.13% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Community Commerce Bank lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Community Commerce Bank
Former names
Community Thrift and Loan Association
Type
State-chartered bank
FDIC certificate #
26363
RSSD ID
299868
Primary regulator
FDIC
Established
October 1, 1976
Headquarters
358 W Foothill Blvd, Claremont, CA 91711
Employees
35

Quick answers

Community Commerce Bank: common questions

Is Community Commerce Bank FDIC insured?

Yes. Community Commerce Bank is an FDIC-insured institution (FDIC certificate #26363). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community Commerce Bank's TellerScore?

84 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 Community Commerce Bank ever failed?

There is no failure record for FDIC certificate #26363 in the FDIC failed bank list.

How many branches does Community Commerce Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Claremont

InstitutionScoreAssetsCapitalProblem loansCompare
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
L. A. Electrical Workers Credit Un. Credit UnionCredit union Pasadena, CA88 out of 100, Very strong$54.8M19.8%0.08%vs
Ontario Public Employees Federal Credit UnionCredit union Ontario, CA87 out of 100, Very strong$23.2M15.5%1.02%vs
American Continental BankBank City Of Industry, CA87 out of 100, Very strong$385.3M16.2%0.37%vs