Commercial Bank of California: how it compares with its peers
Against 32 CA banks with half to twice its assets, Commercial Bank of California's strongest measure in Q2 2026 is assets per employee ($12.8M vs. a $11.6M peer median). Its weakest relative measure is efficiency ratio (53.53% vs. 51.08%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.34% | 1.27% | Middle third Ahead of 59% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.92% | 3.84% | Middle third Ahead of 56% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.53% | 51.08% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.8M | $11.6M | Top third Ahead of 67% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.50% | 85.39% | Context |
What it means for lending operations
Its efficiency ratio of 53.53% 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
- California Bank of Commerce, National Association San Diego, CA · $4.02B
- Bank of Marin Novato, CA · $3.86B
- Bank of the Sierra Porterville, CA · $3.72B
- Royal Business Bank Los Angeles, CA · $4.27B
- American Business Bank Los Angeles, CA · $4.42B
- PCB Bank Los Angeles, CA · $3.47B
Questions about Commercial Bank of California
How big is Commercial Bank of California?
Commercial Bank of California, established in 2003, is headquartered in Irvine, CA. It reported $3.98B in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Commercial Bank of California's return on assets?
1.34% annualized in Q2 2026, against a 1.27% median for 32 CA banks with half to twice its assets, ahead of 59% of them.
What is Commercial Bank of California's efficiency ratio?
53.53% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 51.08%, and lower is better.
Is Commercial Bank of California growing its loans?
Net loans grew 6.2% over the year to Q2 2026, while deposits grew 13.2%.
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.