Side-by-side · Q2 2026 data
Commercial Bank of California vs Royal Business Bank
Metric by metric
| Measure | Commercial Bank of California | Royal Business Bank |
|---|---|---|
| TellerScore | 64 | 68 (stronger) |
| Capital cushion | 43 | 75 (stronger) |
| Loan quality | 88 (stronger) | 76 |
| Earnings | 74 (stronger) | 67 |
| Funding & liquidity | 31 (stronger) | 27 |
| Problem-loan coverage | 93 (stronger) | 86 |
| Peer percentile | 33rd | 49th |
| Total assets | $4.0B | $4.3B |
| Deposits / shares | $3.5B | $3.5B |
| Capital ratio | 9.27% | 12.54% (stronger) |
| Problem loans | 0.37% (stronger) | 0.72% |
| Net charge-offs | 0.06% | 0.01% (stronger) |
| Return on assets | 1.34% (stronger) | 1.18% |
| Loans ÷ deposits | 79.5% (stronger) | 93.9% |
| Uninsured deposits | 61.9% | 50.7% (stronger) |
| Offices | 9 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.9% |
Royal Business Bank has the higher TellerScore (68 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank of California leads on 3 and Royal Business Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.