Community Commerce Bank

358 W Foothill Blvd
Claremont, CA 91711

Phone: 909-450-2050

Community Commerce Bank
 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 26363
Date Established 1976
Assets $0.27 billion
Loans $0.19 billion
Deposits $0.17 billion
Capital $0.05 billion

Community Commerce Bank is an FDIC insured institution located in Claremont, CA. It was founded in 1976 and has approximately $0.27 billion in assets. Customers can open an account at one of its 4 branches.

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

Deposit Rates - September 18, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates APY MIN MAX
CD Rates APY MIN MAX
3 Mo CD
0.86% $10,000 - Learn MoreShow Less
6 Mo CD
1.36% $10,000 - Learn MoreShow Less
12 Mo CD
1.87% $10,000 - Learn MoreShow Less
18 Mo CD
1.92% $10,000 - Learn MoreShow Less
24 Mo CD
1.97% $10,000 - Learn MoreShow Less
30 Mo CD
2.02% $10,000 - Learn MoreShow Less
36 Mo CD
2.07% $10,000 - Learn MoreShow Less
48 Mo CD
2.13% $10,000 - Learn MoreShow Less
60 Mo CD
2.18% $10,000 - Learn MoreShow Less


Loan Rates - September 18, 2019

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Community Commerce Bank

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
3.662% 3.625% 0.50 $1,130 $1,141 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to Community Commerce Bank
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Branches

Community Commerce 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:
Fairfield,Connecticut


Community Commerce Bank Locations


Financial Details

Community Commerce Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Community Commerce 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
Community Commerce Bank U.S. Bank Average
1.4% 6.94%

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, 2019, Community Commerce Bank had $768,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $52,676,000 in equity and $2,187,000 in loans loss reserves. That gives it a Texas Ratio of 1.4%.

Return on Equity
Community Commerce Bank U.S. Bank Average
2.49% 9.47%

Community Commerce Bank has a Return on Equity of 2.49% versus the BestCashCow average of 9.47%. 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 Commerce Bank U.S. Bank Average
19.74% 12.49%

Community Commerce Bank has a Capitalization of 19.74% versus the BestCashCow average of 12.49. 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 Commerce Bank Balance Sheet Analysis

As of March 31, 2019, Community Commerce Bank had assets of $266,794,000, loans of $192,703,000, and deposits of $172,947,000. 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, 2019
ASSETS
Cash & Balances due from depository institutions $0.05 billion
Interest-bearing balances $0.05 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.19 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 $0.02 billion
     Total Assets $0.21 billion
LIABILITIES
Total deposits $0.17 billion
      Interest-bearing deposits $0.17 billion
      Deposits held in domestic offices $0.17 billion
      % insured (estimated) 91.03%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.03 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.21 billion
      Shareholders’ Equity $0.05 billion

Summary Income Statement

March 31, 2019
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

Bank Loan Profile?

The top three loan types in Community Commerce Bank’s loan portfolio are Commercial Real Estate, Small Business Loans, and Consumer Auto Loans.

Compared to other banks in California, Community Commerce Bank has a significantly higher percent of Consumer Auto Loans, Small Business 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 8.68
Multifamily
Mortgages
12.52
Credit Card Loans 0.00
Consumer Auto Loans 15.98
Small Business Loans 43.46
Construction and Development Loans 0.00
Commercial Real Estate 63.96
Commercial and Industrial Loans 0.00
Farm Loans 0.00

Frequently Asked Questions About Community Commerce Bank

Branches and Savings

Is Community Commerce Bank FDIC insured?

Yes. It is covered under FDIC Certificate #26363.

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

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

Why are Community Commerce Bank CD rates not competitive?

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

Is Community Commerce Bank a commercial bank?

Yes

Where are Community Commerce Bank locations?

See branch locations nearby.

Is Community Commerce Bank open on Saturdays?

Is Community Commerce Bank open on Sundays?

What time does Community Commerce Bank open?

What time does Community Commerce Bank close?

Are Community Commerce Bank ATMs Open 24/7?

Do Community Commerce Bank ATMs accept cash deposits?

Can Community Commerce Bank customers use other ATMs?

Do Community Commerce Bank branches have notaries?

Will Community Commerce Bank notarize my document?

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

Will the Community Commerce Bank branch print checks?

Do Community Commerce Bank checks expire?

Does Community Commerce Bank require US citizenship to open account?

Can Community Commerce Bank close my account?

Does Community Commerce Bank Report to credit bureaus?

Does Community Commerce Bank Use Equifax?

What is Community Commerce Bank's ACH Routing Number?

What is Community Commerce Bank's SWIFT code?

Products

Does Community Commerce Bank offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Community Commerce Bank offer personal loans?

Compare personal loan rates here.

Does Community Commerce Bank offer student loans?

Will Community Commerce Bank cash a check?

Will Community Commerce Bank redeem a savings bond?

Does Community Commerce Bank cash savings bonds?

Will Community Commerce Bank cash money orders?

Can Community Commerce Bank issue a money order?

Does Community Commerce Bank do currency exchange?

Background on The Bank

Who owns Community Commerce Bank?

How long has Community Commerce Bank been around?

Can Community Commerce Bank transfer to other banks?

Does Community Commerce Bank have quick pay?

Does Community Commerce Bank accept rolled coins?

Will Community Commerce Bank accept loose change?

Where is Community Commerce Bank headquarters?

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*Should any logos, images or public notes appear on this page,they do so courtesy of Community Commerce Bank and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.dd