Community Commerce Bank: how it compares with its peers
Against 35 CA banks with half to twice its assets, Community Commerce Bank's strongest measure in Q2 2026 is assets per employee ($12.1M vs. a $8.3M peer median). Its weakest relative measure is net interest margin (3.22% vs. 3.78%).
| Measure | Community Commerce Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.78% | 0.87% | Middle third Ahead of 46% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.22% | 3.78% | Bottom third Ahead of 20% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.10% | 68.81% | Middle third Ahead of 54% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.1M | $8.3M | Top third Ahead of 86% of peers |
| Loans to deposits Net loans and leases over total deposits. | 98.94% | 93.51% | Context |
What it means for lending operations
Its efficiency ratio of 63.10% is better than the 68.81% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Liberty Bank, National Association Irvine, CA · $399M
- Community Bank of Santa Maria Santa Maria, CA · $397M
- Balboa Thrift and Loan Association Chula Vista, CA · $394M
- Pacific Alliance Bank San Gabriel, CA · $454M
- Universal Bank West Covina, CA · $388M
- American Continental Bank City Of Industry, CA · $385M
Questions about Community Commerce Bank
How big is Community Commerce Bank?
Community Commerce Bank, established in 1976, is headquartered in Claremont, CA. It reported $423M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Community Commerce Bank's return on assets?
0.78% annualized in Q2 2026, against a 0.87% median for 35 CA banks with half to twice its assets, ahead of 46% of them.
What is Community Commerce Bank's efficiency ratio?
63.10% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 68.81%, and lower is better.
Is Community Commerce Bank growing its loans?
Net loans grew 8.1% over the year to Q2 2026, while deposits grew 6.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.