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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Claremont, CA · FDIC certificate #26363
COMMUNITY COMMERCE BANK is an FDIC-insured institution based in Claremont, CA (FDIC certificate #26363). In its Q3 2026 Call Report it reported total assets of $425M, total deposits of $323M and net loans of $317M. Its primary federal regulator is FDIC.
Plain-language readout
COMMUNITY COMMERCE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $425M in Q3 2026 and were lowest at $414M in Q1 2026.
Total deposits were highest at $323M in Q3 2026 and lowest at $312M in Q1 2026.
Over the whole period total assets rose 2.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $425M | $323M | $317M | 0.78% | 5.17% | 3.21% |
| Q2 2026 | $423M | $318M | $314M | 0.78% | 5.13% | 3.22% |
| Q1 2026 | $414M | $312M | $306M | 0.76% | 5.03% | 3.21% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $59.7M | $57.7M | +$2.0M | +3.4% |
| Federal funds sold | $4.5M | $5.7M | -$1.2M | -21.5% |
| 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) | $3.7M | $3.8M | -$112K | -2.9% |
| 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) | $314.1M | $305.6M | +$8.6M | +2.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $6.7M | $6.7M | -$31K | -0.5% |
| Other real estate owned | $2.7M | $2.7M | $0K | 0.0% |
| 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) | $0K | $0K | $0K | n/a |
| All other assets | $31.3M | $31.3M | +$54K | +0.2% |
| Total assets | $422.7M | $413.5M | +$9.2M | +2.2% |
| Liabilities | ||||
| Total deposits | $317.5M | $312.0M | +$5.5M | +1.8% |
| 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 | $30.6M | $27.1M | +$3.5M | +12.8% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $11.3M | $11.6M | -$297K | -2.6% |
| Total liabilities | $359.4M | $350.7M | +$8.7M | +2.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.4M | $1.4M | $0K | 0.0% |
| Surplus | $7.8M | $7.8M | $0K | 0.0% |
| Retained earnings | $54.2M | $53.6M | +$524K | +1.0% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $63.3M | $62.8M | +$524K | +0.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $2.7M | $2.7M | $0K | 0.0% |
| Adjusted nonperforming assets | $2.7M | $2.7M | $0K | 0.0% |
| Tangible equity plus allowance | $66.9M | $66.2M | +$724K | +1.1% |
| Texas ratio (gross) | 4.03% | 4.07% | -0.04 pts | See points |
| Texas ratio (adjusted) | 4.03% | 4.07% | -0.04 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 4.03% | 4.07% | -0.04 pts | See points |
| Tier 1 capital to risk-weighted assets | 18.10% | 18.46% | -0.36 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 18.10% | 18.46% | -0.36 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.03% | 1.00% | +0.03 pts | See points |
| Total risk-based capital to risk-weighted assets | 19.13% | 19.46% | -0.34 pts | See points |
| Tier 1 leverage (approximate) | 15.25% | 15.28% | -0.03 pts | See points |
| Construction and land loans to total capital | 0.00% | 0.00% | 0.00 pts | See points |
| Commercial real estate to total capital | 224.91% | 225.32% | -0.41 pts | See points |
| Dividend payout, year to date | 37.51% | 38.37% | -0.87 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.84% | -0.88% | +0.05 pts | See points |
| Liquidity | ||||
| Core deposits | $214.5M | $207.1M | +$7.4M | +3.6% |
| Non-core funding | $133.6M | $132.0M | +$1.6M | +1.2% |
| Loans to core deposits | 148.13% | 149.18% | -1.05 pts | See points |
| Loans to deposits | 100.07% | 99.03% | +1.05 pts | See points |
| Brokered deposits share of deposits | 8.34% | 9.10% | -0.76 pts | See points |
| Pledged securities share of securities | 100.00% | 100.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 40.69% | 41.34% | -0.65 pts | See points |
| Volatile liabilities | $202.3M | $193.5M | +$8.8M | +4.6% |
| Earnings | ||||
| Earnings before provision, year to date | $2.4M | $1.1M | +$1.3M | +119.8% |
| Earnings before provision, single quarter | $1.3M | $1.1M | +$218K | +19.8% |
| Provision for credit losses, year to date | $237K | $37K | +$200K | +540.5% |
| Yield and cost | ||||
| Yield on loans and leases | 7.25% | 7.20% | +0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 4.01% | 3.95% | +0.06 pts | See points |
| Total interest income to average assets | 6.10% | 6.05% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | Not reported | Not reported | Not reported | See points |
| Cost of savings and money market deposits | 3.07% | 2.97% | +0.10 pts | See points |
| Cost of time deposits | 3.98% | 3.97% | +0.01 pts | See points |
| Total interest expense to average assets | 3.17% | 3.15% | +0.02 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 | $425M | $323M | $317M | 0.78% | 5.17% | 3.21% |
| 2026-06-30 | $423M | $318M | $314M | 0.78% | 5.13% | 3.22% |
| 2026-03-31 | $414M | $312M | $306M | 0.76% | 5.03% | 3.21% |
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 |
|---|---|---|---|---|
| CA | $298.5M | 0.02% | 127 | Continuing · -0.00 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.