California Community Bank

1320 West Valley Parkway, Suite 301
Escondido, CA 92029

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 57533
Date Established 2003
Assets $0.24 billion
Loans $0.17 billion
Deposits $0.21 billion
Capital $0.03 billion

California Community Bank is an FDIC insured institution located in Escondido, CA. It was founded in 2003 and has approximately $0.24 billion in assets.

For a more detailed analysis of California Community Bank'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 Community Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Small Business Loans.

Compared to other banks in California, California Community Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate 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 6.98
Multifamily
Mortgages
3.35
Credit Card Loans 0.00
Consumer Auto Loans 0.05
Small Business Loans 19.64
Construction and Development Loans 1.38
Commercial Real Estate 70.14
Commercial and Industrial Loans 20.16
Farm Loans 0.00

Deposit Rates

Your Current Location: Virginia, VA 20146

There are currently no rates available for California Community Bank, 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 Community Bank

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

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Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.740% $291.47 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 4.240% $245.68 Learn More

Note to California Community Bank
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Branches

California Community Bank 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 Community Bank Locations

Financial Details

California Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of California Community Bank. 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 Community Bank U.S. Bank Average
13.98% 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 Community Bank had $4,315,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $25,970,000 in equity and $4,892,000 in loans loss reserves. That gives it a Texas Ratio of 13.98%.

Return on Equity
California Community Bank U.S. Bank Average
-0.22% 9.35%

California Community Bank has a Return on Equity of -0.22% 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 Community Bank U.S. Bank Average
11% 12.01%

California Community Bank has a Capitalization of 11% 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 Community Bank Balance Sheet Analysis

As of September 30, 2012, California Community Bank had assets of $235,992,000, loans of $172,908,000, and deposits of $209,263,000. 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 $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.17 billion
Loan loss allowance $0.00 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 $0.00 billion
All other assets $0.00 billion
     Total Assets $0.00 billion
LIABILITIES
Total deposits $0.21 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.00 billion
      % insured (estimated) 0.00%
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 $0.00 billion
      Shareholders’ Equity $0.24 billion

Summary Income Statement

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

Frequently Asked Questions About California Community Bank

Branches and Savings

Is California Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #57533.

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

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

Why are California Community Bank CD rates not competitive?

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

Is California Community Bank a commercial bank?

Yes

Where are California Community Bank locations?

See branch locations nearby.

Is California Community Bank open on Saturdays?

Is California Community Bank open on Sundays?

What time does California Community Bank open?

What time does California Community Bank close?

Are California Community Bank ATMs Open 24/7?

Do California Community Bank ATMs accept cash deposits?

Can California Community Bank customers use other ATMs?

Do California Community Bank branches have notaries?

Will California Community Bank notarize my document?

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

Will the California Community Bank branch print checks?

Do California Community Bank checks expire?

Does California Community Bank require US citizenship to open account?

Can California Community Bank close my account?

Does California Community Bank Report to credit bureaus?

Does California Community Bank Use Equifax?

What is California Community Bank's ACH Routing Number?

What is California Community Bank's SWIFT code?

Products

Does California Community Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does California Community Bank offer personal loans?

Compare personal loan rates here.

Does California Community Bank offer student loans?

Will California Community Bank cash a check?

Will California Community Bank redeem a savings bond?

Does California Community Bank cash savings bonds?

Will California Community Bank cash money orders?

Can California Community Bank issue a money order?

Does California Community Bank do currency exchange?

Background on The Bank

Who owns California Community Bank?

How long has California Community Bank been around?

Can California Community Bank transfer to other banks?

Does California Community Bank have quick pay?

Does California Community Bank accept rolled coins?

Will California Community Bank accept loose change?

Where is California Community Bank headquarters?

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