Commonwealth Business Bank: how it compares with its peers
Against 32 CA banks with half to twice its assets, Commonwealth Business Bank's strongest measure in Q2 2026 is assets per employee ($11.0M vs. a $10.5M peer median). Its weakest relative measure is net interest margin (3.14% vs. 3.80%).
| Measure | Commonwealth Business Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.09% | 1.13% | Middle third Ahead of 38% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.14% | 3.80% | Bottom third Ahead of 16% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.65% | 57.34% | Middle third Ahead of 50% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.0M | $10.5M | Middle third Ahead of 61% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.52% | 89.27% | Context |
What it means for lending operations
Its efficiency ratio of 56.65% is better than the 57.34% 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
- Oak Valley Community Bank Oakdale, CA · $2.00B
- First Northern Bank of Dixon Dixon, CA · $1.93B
- Mission Bank Bakersfield, CA · $2.01B
- Montecito Bank & Trust Santa Barbara, CA · $2.02B
- Beneficial State Bank Oakland, CA · $2.03B
- Plumas Bank Quincy, CA · $2.28B
Questions about Commonwealth Business Bank
How big is Commonwealth Business Bank?
Commonwealth Business Bank, established in 2005, is headquartered in Los Angeles, CA. It reported $1.97B in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is Commonwealth Business Bank's return on assets?
1.09% annualized in Q2 2026, against a 1.13% median for 32 CA banks with half to twice its assets, ahead of 38% of them.
What is Commonwealth Business Bank's efficiency ratio?
56.65% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 57.34%, and lower is better.
Is Commonwealth Business Bank growing its loans?
Net loans grew 4.1% over the year to Q2 2026, while deposits grew 9.1%.
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.