California Bank of Commerce

3595 Mt. Diablo Blvd., 2nd Floor
Lafayette, CA 94549

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58583
Date Established 2007
Assets $0.91 billion
Loans $0.73 billion
Deposits $0.80 billion
Capital $0.10 billion

California Bank of Commerce is an FDIC insured institution located in Lafayette, CA. It was founded in 2007 and has approximately $0.91 billion in assets. Customers can open an account at one of its 3 branches.

For a more detailed analysis of California Bank of Commerce's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in California Bank of Commerce’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and Construction and Development Loans.

Compared to other banks in California, California Bank of Commerce has a significantly higher percent of Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 1.04
Multifamily
Mortgages
0.85
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 7.29
Commercial Real Estate 45.53
Commercial and Industrial Loans 45.94
Farm Loans 0.12

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for California Bank Of Commerce, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for California Bank of Commerce

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

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Featured - Virginia Home Equity Line Of Credit Rates 2018

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Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More
Flagstar Bank 5.740% $291.47 Learn More

Note to California Bank of Commerce
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Branches

California Bank of Commerce branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


California Bank of Commerce Locations

Financial Details

California Bank of Commerce Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of California Bank of Commerce. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
California Bank of Commerce U.S. Bank Average
2.44% 7.92%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2018, California Bank of Commerce had $2,632,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $98,469,000 in equity and $9,600,000 in loans loss reserves. That gives it a Texas Ratio of 2.44%.

Return on Equity
California Bank of Commerce U.S. Bank Average
9.37% 9.35%

California Bank of Commerce has a Return on Equity of 9.37% versus the BestCashCow average of 9.35%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
California Bank of Commerce U.S. Bank Average
10.83% 12.01%

California Bank of Commerce has a Capitalization of 10.83% versus the BestCashCow average of 12.01. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

California Bank of Commerce Balance Sheet Analysis

As of March 31, 2018, California Bank of Commerce had assets of $908,906,000, loans of $732,773,000, and deposits of $799,211,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $0.12 billion
Interest-bearing balances $0.11 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.73 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.01 billion
All other assets $0.03 billion
     Total Assets $0.81 billion
LIABILITIES
Total deposits $0.80 billion
      Interest-bearing deposits $0.48 billion
      Deposits held in domestic offices $0.80 billion
      % insured (estimated) 35.60%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.81 billion
      Shareholders’ Equity $0.10 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About California Bank Of Commerce

Branches and Savings

Is California Bank Of Commerce FDIC insured?

Yes. It is covered under FDIC Certificate #58583.

Why does California Bank Of Commerce pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are California Bank Of Commerce CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is California Bank Of Commerce a commercial bank?

Yes

Where are California Bank Of Commerce locations?

See branch locations nearby.

Is California Bank Of Commerce open on Saturdays?

Is California Bank Of Commerce open on Sundays?

What time does California Bank Of Commerce open?

What time does California Bank Of Commerce close?

Are California Bank Of Commerce ATMs Open 24/7?

Do California Bank Of Commerce ATMs accept cash deposits?

Can California Bank Of Commerce customers use other ATMs?

Do California Bank Of Commerce branches have notaries?

Will California Bank Of Commerce notarize my document?

What address for California Bank Of Commerce should I put for incoming ACH transfers?

Will the California Bank Of Commerce branch print checks?

Do California Bank Of Commerce checks expire?

Does California Bank Of Commerce require US citizenship to open account?

Can California Bank Of Commerce close my account?

Does California Bank Of Commerce Report to credit bureaus?

Does California Bank Of Commerce Use Equifax?

What is California Bank Of Commerce's ACH Routing Number?

What is California Bank Of Commerce's SWIFT code?

Products

Does California Bank Of Commerce offer mortgages?

Compare mortgage rates here.

Does California Bank Of Commerce offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does California Bank Of Commerce offer personal loans?

Compare personal loan rates here.

Does California Bank Of Commerce offer student loans?

Will California Bank Of Commerce cash a check?

Will California Bank Of Commerce redeem a savings bond?

Does California Bank Of Commerce cash savings bonds?

Will California Bank Of Commerce cash money orders?

Can California Bank Of Commerce issue a money order?

Does California Bank Of Commerce do currency exchange?

Background on The Bank

Who owns California Bank Of Commerce?

How long has California Bank Of Commerce been around?

Can California Bank Of Commerce transfer to other banks?

Does California Bank Of Commerce have quick pay?

Does California Bank Of Commerce accept rolled coins?

Will California Bank Of Commerce accept loose change?

Where is California Bank Of Commerce headquarters?

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