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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Delhi, LA · FDIC certificate #34784
COMMERCIAL CAPITAL BANK is an FDIC-insured institution based in Delhi, LA (FDIC certificate #34784). In its Q3 2026 Call Report it reported total assets of $625M, total deposits of $538M and net loans of $509M. Its primary federal regulator is FDIC.
Plain-language readout
COMMERCIAL CAPITAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $625M in Q3 2026 and were lowest at $570M in Q1 2026.
Total deposits were highest at $538M in Q3 2026 and lowest at $448M in Q1 2026.
Over the whole period total assets rose 9.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $625M | $538M | $509M | 2.18% | 19.54% | 4.18% |
| Q2 2026 | $611M | $453M | $486M | 1.91% | 17.46% | 4.24% |
| Q1 2026 | $570M | $448M | $439M | 1.98% | 17.90% | 4.38% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $68.6M | $75.8M | -$7.2M | -9.5% |
| Federal funds sold | $200K | $250K | -$50K | -20.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $32.5M | $34.5M | -$2.0M | -5.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $485.7M | $438.6M | +$47.1M | +10.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $9.1M | $8.1M | +$938K | +11.5% |
| Other real estate owned | $219K | $173K | +$46K | +26.6% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $2.7M | $1.6M | +$1.1M | +72.1% |
| All other assets | $12.4M | $10.5M | +$1.9M | +17.6% |
| Total assets | $611.4M | $569.6M | +$41.8M | +7.3% |
| Liabilities | ||||
| Total deposits | $453.3M | $447.8M | +$5.6M | +1.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $90.0M | $56.0M | +$34.0M | +60.7% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.0M | $2.0M | +$937K | +46.1% |
| Total liabilities | $546.3M | $505.8M | +$40.5M | +8.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.6M | $1.6M | +$1K | +0.1% |
| Surplus | $39.4M | $39.4M | $0K | 0.0% |
| Retained earnings | $24.1M | $22.9M | +$1.3M | +5.5% |
| Accumulated other comprehensive income | -$86K | -$137K | +$51K | +37.2% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $65.1M | $63.8M | +$1.3M | +2.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $28.0M | $17.8M | +$10.2M | +57.1% |
| Adjusted nonperforming assets | $28.0M | $17.8M | +$10.2M | +57.1% |
| Tangible equity plus allowance | $67.4M | $66.8M | +$536K | +0.8% |
| Texas ratio (gross) | 41.58% | 26.68% | +14.89 pts | See points |
| Texas ratio (adjusted) | 41.58% | 26.68% | +14.89 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 41.58% | 26.68% | +14.89 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.45% | 11.56% | -0.10 pts | See points |
| Construction and land loans to total capital | 100.42% | 97.15% | +3.28 pts | See points |
| Commercial real estate to total capital | 196.75% | 168.51% | +28.24 pts | See points |
| Dividend payout, year to date | 26.67% | 0.00% | +26.67 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.82% | -0.88% | +0.05 pts | See points |
| Liquidity | ||||
| Core deposits | $332.2M | $322.0M | +$10.2M | +3.2% |
| Non-core funding | $211.1M | $181.8M | +$29.3M | +16.1% |
| Loans to core deposits | 147.70% | 137.65% | +10.05 pts | See points |
| Loans to deposits | 108.25% | 98.99% | +9.25 pts | See points |
| Brokered deposits share of deposits | 4.41% | 4.69% | -0.28 pts | See points |
| Pledged securities share of securities | 68.43% | 75.49% | -7.05 pts | See points |
| Loans pledged, share of loans | 39.68% | 40.33% | -0.65 pts | See points |
| Volatile liabilities | $211.1M | $181.8M | +$29.3M | +16.1% |
| Earnings | ||||
| Earnings before provision, year to date | $6.5M | $3.3M | +$3.2M | +99.8% |
| Earnings before provision, single quarter | $3.2M | $3.3M | -$5K | -0.2% |
| Provision for credit losses, year to date | $979K | $462K | +$517K | +111.9% |
| Yield and cost | ||||
| Yield on loans and leases | 7.20% | 7.58% | -0.38 pts | See points |
| Yield on interest-bearing balances due from banks | 3.67% | 3.66% | +0.01 pts | See points |
| Total interest income to average assets | 6.87% | 6.81% | +0.07 pts | See points |
| Cost of interest-bearing transaction accounts | 1.55% | 1.44% | +0.11 pts | See points |
| Cost of savings and money market deposits | 2.44% | 2.42% | +0.01 pts | See points |
| Cost of time deposits | 3.59% | 3.56% | +0.03 pts | See points |
| Total interest expense to average assets | 2.64% | 2.47% | +0.17 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $625M | $538M | $509M | 2.18% | 19.54% | 4.18% |
| 2026-06-30 | $611M | $453M | $486M | 1.91% | 17.46% | 4.24% |
| 2026-03-31 | $570M | $448M | $439M | 1.98% | 17.90% | 4.38% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| LA | $320.7M | 0.24% | 61 | Continuing · +0.08 pp |
| AR | $79.3M | 0.07% | 91 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.