Community Banks of Northern California

Headquarters

1003 Central Avenue
Tracy, CA 95376
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Community Banks of Northern California is an FDIC insured institution located in Tracy, CA. It was founded in 1981 and has approximately $0.15 billion in assets.

FDIC Insured Yes
FDIC Certificate # 32148
Date Established 1981
Assets $ 145.49 million
Loans $ 64.62 million
Deposits $ 138.99 million
Capital $ 5.97 million
 

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

Deposit Rates - October 25, 2020

Your Current Location: Washington, WA 98101


Loan Rates - October 25, 2020

Your Current Location: Washington, WA 98101

There are currently no loan rates available for Community Banks of Northern California

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




Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
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Cascadia Mortgage
NMLS ID: 1505422
License#: NMLS #1505422
2.830% 2.750% 0.63 $2,622 $1,021 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
2.575% 2.500% 1.00 $2,470 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

Note to Community Banks of Northern California
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Branches

Community Banks of Northern California 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:
Seattle,Washington


Community Banks of Northern California Locations


Financial Details

Community Banks of Northern California Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community Banks of Northern California. 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
Community Banks of Northern California U.S. Bank Average
170.53% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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, 2020, Community Banks of Northern California had $17,669,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $5,968,000 in equity and $4,393,000 in loans loss reserves. That gives it a Texas Ratio of 170.53%.

Return on Equity
Community Banks of Northern California U.S. Bank Average
-120.06% 7.80%

Community Banks of Northern California has a Return on Equity of -120.06% versus the BestCashCow average of 7.80%. 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
Community Banks of Northern California U.S. Bank Average
4.1% 12.68%

Community Banks of Northern California has a Capitalization of 4.1% versus the BestCashCow average of 12.68. 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.

Community Banks of Northern California Balance Sheet Analysis

As of November 30, -0001, Community Banks of Northern California had assets of $145,485,000, loans of $64,616,000, and deposits of $138,992,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 64.62 million
Loan loss allowance $ 4.39 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 138.99 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 145.49 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Community Banks of Northern California’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Credit Card Loans.

Compared to other banks, Community Banks of Northern California’s loan portfolio does not show any specific loan specialty.

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 0.00
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 0.00
Commercial Real Estate 0.00
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Community Banks Of Northern California

Branches and Savings

Is Community Banks Of Northern California FDIC insured?

Yes. It is covered under FDIC Certificate #32148.

Why does Community Banks Of Northern California pay such low interest on savings accounts?

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

Why are Community Banks Of Northern California CD rates not competitive?

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

Is Community Banks Of Northern California a commercial bank?

Yes

Where are Community Banks Of Northern California locations?

See branch locations nearby.

Is Community Banks Of Northern California open on Saturdays?

Is Community Banks Of Northern California open on Sundays?

What time does Community Banks Of Northern California open?

What time does Community Banks Of Northern California close?

Are Community Banks Of Northern California ATMs Open 24/7?

Do Community Banks Of Northern California ATMs accept cash deposits?

Can Community Banks Of Northern California customers use other ATMs?

Do Community Banks Of Northern California branches have notaries?

Will Community Banks Of Northern California notarize my document?

What address for Community Banks Of Northern California should I put for incoming ACH transfers?

Will the Community Banks Of Northern California branch print checks?

Do Community Banks Of Northern California checks expire?

Does Community Banks Of Northern California require US citizenship to open account?

Can Community Banks Of Northern California close my account?

Does Community Banks Of Northern California Report to credit bureaus?

Does Community Banks Of Northern California Use Equifax?

What is Community Banks Of Northern California's ACH Routing Number?

What is Community Banks Of Northern California's SWIFT code?

Products

Does Community Banks Of Northern California offer mortgages?

Compare mortgage rates here.

Does Community Banks Of Northern California offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Community Banks Of Northern California offer personal loans?

Compare personal loan rates here.

Does Community Banks Of Northern California offer student loans?

Will Community Banks Of Northern California cash a check?

Will Community Banks Of Northern California redeem a savings bond?

Does Community Banks Of Northern California cash savings bonds?

Will Community Banks Of Northern California cash money orders?

Can Community Banks Of Northern California issue a money order?

Does Community Banks Of Northern California do currency exchange?

Background on The Bank

Who owns Community Banks Of Northern California?

How long has Community Banks Of Northern California been around?

Can Community Banks Of Northern California transfer to other banks?

Does Community Banks Of Northern California have quick pay?

Does Community Banks Of Northern California accept rolled coins?

Will Community Banks Of Northern California accept loose change?

Where is Community Banks Of Northern California headquarters?

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