California Bank of Commerce
Walnut Creek, California · FDIC Cert #58583
California Bank of Commerce is an FDIC-insured bank (Certificate #58583) with $1.9B in total assets and $1.6B in total deposits as of the Q2 2024 Call Report. Headquartered in Walnut Creek, California, the bank maintains a Tier 1 capital ratio of 12.72% (Well-Capitalized) and a nonperforming loan ratio of 1.46%. BankHealthData assigns a composite Health Grade of B (66/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
California Bank of Commerce (FDIC cert 58583) is a mid-sized bank with $1.9B in total assets and $1.6B in deposits, based in Walnut Creek, California. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 12.72% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.46% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is in the normal range: 18.7% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is minimal: ROA of 0.03% indicates the bank is barely profitable on an assets basis. Multiple quarters of minimal profitability eventually challenge capital growth and regulatory standing. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. California Bank of Commerce carries a composite BankHealth grade of B (66/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: California Bank of Commerce
- Total Assets
- $1.9B
- Total Deposits
- $1.6B
- Tier 1 Capital Ratio
- 12.72%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.46%
- Liquidity Ratio
- 18.66%
- Return on Assets
- 0.03%
- Headquarters
- Walnut Creek, California
- FDIC Certificate
- #58583
- Health Grade
- B (66/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, California Bank of Commerce holds a Tier 1 capital ratio of 12.72%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning California Bank of Commerce has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
California Bank of Commerce shows strong financial health indicators. With $1.9B in assets and a Health Score of 66/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How California Bank of Commerce Compares
California Bank of Commerce’s Health Score of 66 is 6 points below the California state average of 72 across 123 FDIC-insured banks. Its 12.72% Tier 1 capital ratio is 1.3 points below the US banking industry average near 14%. The 1.46% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.03% is below the national ROA benchmark of ~1.1%. Among 648 similarly-sized banks, the average Health Score is 71, meaning this bank ranks below its size cohort. Site-wide, California Bank of Commerce is 4 points below the portfolio average of 70.
Frequently Asked Questions
California Bank of Commerce has a Bank Health Score of B (66/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.72%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. California Bank of Commerce's Tier 1 capital ratio of 12.72% and nonperforming loan ratio of 1.46% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at California Bank of Commerce is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #58583). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
California Bank of Commerce holds $1.9B in total assets and $1.6B in total deposits. It is headquartered in Walnut Creek, California (FDIC Certificate #58583).
California Bank of Commerce has a Tier 1 capital ratio of 12.72%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.46%, and the return on assets is 0.03%.
Yes. California Bank of Commerce is FDIC-insured (Certificate #58583). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
California Bank of Commerce's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.