# COMMUNITY BANK OF THE BAY
OAKLAND, CA · FDIC certificate 34210 · asset band $1-10B · latest filing 2024-09 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.01B | |
| Deposits | $704.1M | |
| Loans and leases | $706.9M | |
| Total equity | $196.8M | |
| Loans / deposits | 99.40% (p83 of band) | 86.99% |
| Liquid assets / assets | 27.64% (p68 of band) | |
| Uninsured deposits / deposits | 40.88% (p79 of band) | 29.29% |
| Brokered deposits | 4.05% | |
| Wholesale funding | 13.96% (p71 of band) | |
| FHLB advances / assets | 9.92% | |
| Tier 1 leverage | 19.83% (p98 of band) | 10.10% |
| Unrealized securities loss / equity | -4.50% (p74 of band) | -10.74% |
| AOCI / equity | 0.89% (p25 of band) | |
| ROA (annualized) | 0.84% (p43 of band) | 0.92% |
| Net interest margin | 3.78% (p76 of band) | 3.18% |
| Efficiency ratio | 65.87% (p53 of band) | |
| Noncurrent loans | 0.11% (p18 of band) | 0.41% |
| Net charge-offs (annualized) | 0.00% (p22 of band) | |
| Reserve coverage of noncurrent | 938.38% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 39.58% (p36 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p37 of band) | |
| Deposits YoY | -2.5% | |
| Employees | 83 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | charge-offs p90 |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 4 | losing money |  |
| 2012-03 | 2 | uninsured deposits leaving | charge-offs p90, capital falling, losing money |
| 2012-06 | 1 |  | uninsured deposits leaving |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 0 |  | reserve under noncurrent, capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 2 | capital falling, charge-offs p90 |  |
| 2015-06 | 1 |  | charge-offs p90 |
| 2015-09 | 2 | reserve under noncurrent |  |
| 2015-12 | 1 |  | capital falling |
| 2016-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 1 | construction >100% equity |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | charge-offs p90 | construction >100% equity |
| 2017-06 | 1 | uninsured deposits >50% | charge-offs p90 |
| 2017-09 | 1 | capital falling | uninsured deposits >50% |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | uninsured deposits >50%, run vulnerability |  |
| 2018-09 | 2 |  | run vulnerability |
| 2018-12 | 2 | run vulnerability | capital falling |
| 2019-03 | 1 |  | run vulnerability |
| 2019-06 | 2 | run vulnerability |  |
| 2019-09 | 3 | capital falling |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 1 |  | run vulnerability, capital falling |
| 2020-06 | 2 | run vulnerability |  |
| 2020-09 | 2 | capital falling | run vulnerability |
| 2020-12 | 3 | run vulnerability |  |
| 2021-03 | 3 | charge-offs p90 | run vulnerability |
| 2021-06 | 2 |  | charge-offs p90 |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | capital falling |  |
| 2023-03 | 3 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving | uninsured deposits >50%, capital falling |
| 2023-06 | 4 | uninsured deposits >50%, noncurrent p90, reserve under noncurrent | deposits shrinking, uninsured deposits leaving |
| 2023-09 | 5 | capital falling, deposits shrinking, uninsured deposits leaving | uninsured deposits >50%, noncurrent p90 |
| 2023-12 | 5 | loans exceed deposits | capital falling |
| 2024-03 | 3 |  | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 2 | assets shrinking, uninsured deposits leaving | wholesale funding >15%, reserve under noncurrent, loans exceed deposits |
| 2024-09 | 2 | capital falling | uninsured deposits leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-19 [Commercial Bank of California aims to be 'new kid on the block' in San Francisco - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQb3NDZmp3VWczSDVTV09OU1RPUWo5c1RkMmxPeEV4Q2Zza0pKdkN6TktIZG1RMmtfU3lob3c4Tk05XzdCbjd3U25YUE0tdVdvdzA2dFM5eTFSQVUxRnBRZDZ4MEpEdGE5YnRyQnNHTTVyc2p0RWQtaV9RdHdSVXdJYXo5N2ViLU1DNnB1WkFFUmhtSC11UHl3c1BHdWVERTBXX1NOUmRNVUYxYjA?oc=5) · The Business Journals
- 2026-06-04 [Mark Roach Joins Pinnacle Bank as Executive Vice President, Senior Lending Officer - Business Wire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPYkpTR3hFenBFSXYzNms0NXFyQk0yOEpKM3p2NU1TaHR6TlF1RUQtTHlkcGgyc3FfblZHYUhkSXRydG00U05yNmdCaEtLU0syNVZPOGR5RVZ1cEF4NUc1UGdTRVVqdEJQOHhvVVhpa0VVcFlfUWNqdm1DY2l6c2ZrZlVHcXlWaTJOOWpsdHk4R1FWTkNuUGViQ0h3VjUxY2Ntb19zZ21TRHhRMnZDVHFlcy12S0ZJSnN0ak9EVElEVDZmTGR1Nkp1NHBKRmhaZWVmUWl5WA?oc=5) · Business Wire
- 2024-11-04 [Husch Blackwell Represents CBC Bancorp in Acquisition of Bay Community Bancorp - Husch Blackwell](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOekZMcjl3MWNvdGxNUWcwNTk2bWE4dFZVVkhwQlJjaTI5bmZwa1h1b09tbnk2QS1tZFJ5Q0JLOS1jZzJWNTV5M01rSm9MTnBjaXZSN0JITkU5RVZLdmdTRW9ib3JNamJhMlBHTmdlVFE2MUxkeDYzdTZGU185dkF4OWFTcG5qUXZrUGdNalhQS0xfanU5TGJHZ0tPUThURzI1YVJNMktndkZoa2RzdG5GVEVuR3lHTjFEdnJn?oc=5) · Husch Blackwell
- 2024-05-20 [CBC BANCORP ANNOUNCES THE ACQUISITION OF BAY COMMUNITY BANCORP - PR Newswire](https://news.google.com/rss/articles/CBMiugFBVV95cUxQYTVYWEVqWlk2S0dVTnZzd2hhLTRvXy1JbGJTbTFIb0tnc0xBNmhZNVlyb2JWbTRUa1BaaFdzRVpxVWtzdk9FeVE2cmJOYVAzUmlFR0duNldMdDdhby0wS3NZTWozSU4zdlZXUVY0WVNuUXhkcFF4cXQxakdYMkFTTHZqR3FiSTN5dXY1VkxQNlplXzY0SHh3RDVFZnFWS2pKR0czOWk5YklHcm43NWQxRlAzbENLUGFZbkE?oc=5) · PR Newswire
- 2025-11-04 [Bank of San Francisco names new leader as founding CEO retires - The Business Journals](https://news.google.com/rss/articles/CBMisgFBVV95cUxOOW9sN3FkejRxdEdlTUItQlNkTWVGdTMzVTNtb1g3TWNYeVFkRnJHbGJxb2ZWNDdQQllxeHhZT3ZwbE14VEhZVmtleTVuR2ZobnlMMkoyOE9xVmlONkR0WUhycVdkR1psdWt4WFJSQUd2VmdESElRQVlfX1EtVnhWbHpXNHRlcTljZEJPVnd5ZTBYYzlnSUpBX0JSWGQtc2s2Qy1laHVSdXRuUkswejF5bEpB?oc=5) · The Business Journals
- 2025-03-26 [Fiserv tapped by San Francisco community bank to provide real-time payments integration - FinTech Futures](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOVk96bnpCMXNPelFuOGpNaTFuQS1ULUpMUlJQZldYUmxlaVRzQmtjN2hYZDBlaWVaYUZLQXpqcmRzUU1BS2VqMXlmdHMyX0dCWVhOQkhuNENiVzFRT2FseFlqX0tHcXNWcWxCeFpmMS1Wdm43aEdvRlRCTm9IbFRHY0cwOGx0MlZMZW50LVlCVFk5RUQwVGVXc1BfWVF6dVIzUjFVTjc5MjNobEV6bUs4OU95c3JIUXFneGdSWXAzZWJpTDZvSzI4TkloNkxnMXktdWVJUjZWOUdUZGIxR1E?oc=5) · FinTech Futures
- 2026-08-06 [Gateway Bank, F.S.B. Strengthens Construction Lending Team with Two New Additions, Names Tom Rodriguez EVP, Construction Manager - The Manila Times](https://news.google.com/rss/articles/CBMiogJBVV95cUxNRjRRYjRVQ3o2cTZKT1JfS052eXYxb2t2RXpBVS1HWEZ5WGlXODJ5bktOX3lmYmduNzdINFI5LTZWc2E5WWxZb21VQ29VT2x1Sm1zNEhBLXVONmhDYnBZdDdYRzE1bHhwT1NmbkFfTnJ4alJaWFBZU2dwWF9qemxXc05pNzNmSlRBWVR0N1J4Q1pYYXJZc2dXRVpwcExKejlUbUw4X2lKN3dMbU5BZm5lR3BtQjdNbnBVVEwtTDFTUEJESlktbUh6M2lDdkdxVVNBdkxHZ0VMbjQtQzVjYU9Ec3JTOGJ2aFhKSzkwTUpiMUs5VVFfS2piTHl2VWk5cEVUUDlvV2k1dVJvNUVYZ1lqYjM0T3RKVHdNQ1RYVkRxMWcyd9IBpwJBVV95cUxOY3NDeFBLTkMyUmxpb0RiTkxGUi1NNEt0cjVMT2tOSE1DdkczR1pkNFgyMDkyMFk3Y3JZMFM5UUJOenhfanYwYjN1YndIVlJsQS1OLV82SEVMazZSLTZfVUFOSlVJaHFtdVQ5eFl6cndrSkZHTklLZ3lNWFpEMnY2RzBPajJEeUIwdmNtdGdKX1FkSHUtOW1henduajlpTnQtRXhOaDdLRWlmT3BKVGUtS3NnU3FBS2hsTThuaTlCUm9iQmx3ajd1UF9Td0FjbDNqdlFHLVNhVHdSMnB1OVdmVVNDXzhSdkxURW41anlKcTFibW11NW9pb2VYNGp2NXU1SlFjakdnY3NqVkhCWDY4clYxVTRoSzdJLS1qcC1qajlfWGhRblJr?oc=5) · The Manila Times
- 2025-06-17 [Ash Patel Of Commercial Bank of California On How to Build a Purpose-Driven Culture That Attracts… - Medium](https://news.google.com/rss/articles/CBMi4gFBVV95cUxOdTg1b0llam1YTTlvSTFwZXdOLW9WSUlLMDJrdmhSd1RQekotTzVUR05kYzUxTkZweXZUaGQzQjJGMEVPTUdfbXRhWFFXcXZJNmFhZDZIQXliOW9aRDBubEJlQ3o2T3FJV3Y5MlNkRWc0dU80WjBIaFFWZEhYMzJEQVZGQVBtZnp4Z2lPWkNwbjBERDh5THZtQWRjV3d1VTdrT21nNDNQMGhCTFRqS05RemdSel9yVFdKMTdJemhXTXpvUExwOEN1cUg3YXNpLVRRVkRwMU83Mm5oZWQ2WVdRV1NB?oc=5) · Medium

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34210 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/34.json (key "34210", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide