California Bank of Commerce, National Association: how it compares with its peers
Against 30 CA banks with half to twice its assets, California Bank of Commerce, National Association's strongest measure in Q2 2026 is net interest margin (4.75% vs. a 3.77% peer median). Its weakest relative measure is efficiency ratio (53.03% vs. 51.08%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.45% | 1.27% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.75% | 3.77% | Top third Ahead of 87% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.03% | 51.08% | Middle third Ahead of 40% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $13.4M | $11.6M | Top third Ahead of 71% of peers |
| Loans to deposits Net loans and leases over total deposits. | 91.45% | 84.68% | Context |
What it means for lending operations
Its efficiency ratio of 53.03% is above the 51.08% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Commercial Bank of California Irvine, CA · $3.98B
- Bank of Marin Novato, CA · $3.86B
- Royal Business Bank Los Angeles, CA · $4.27B
- Bank of the Sierra Porterville, CA · $3.72B
- American Business Bank Los Angeles, CA · $4.42B
- PCB Bank Los Angeles, CA · $3.47B
Questions about California Bank of Commerce, National Association
How big is California Bank of Commerce, National Association?
California Bank of Commerce, National Association, established in 2001, is headquartered in San Diego, CA. It reported $4.02B in total assets in its Q2 2026 FDIC call report and operates 14 offices.
What is California Bank of Commerce, National Association's return on assets?
1.45% annualized in Q2 2026, against a 1.27% median for 30 CA banks with half to twice its assets, ahead of 67% of them.
What is California Bank of Commerce, National Association's efficiency ratio?
53.03% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 51.08%, and lower is better.
Is California Bank of Commerce, National Association growing its loans?
Net loans grew 4.0% over the year to Q2 2026, while deposits grew 1.1%.
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.