# CHINO COMMERCIAL BANK N A
CHINO, CA · FDIC certificate 35366 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (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 | $516.7M | |
| Deposits | $397.2M | |
| Loans and leases | $239.3M | |
| Total equity | $57.1M | |
| Loans / deposits | 58.94% (p12 of band) | 82.04% |
| Liquid assets / assets | 49.74% (p92 of band) | |
| Uninsured deposits / deposits | 46.35% (p93 of band) | 25.97% |
| Brokered deposits | 0.97% | |
| Wholesale funding | 12.64% (p83 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.51% (p74 of band) | 10.81% |
| Unrealized securities loss / equity | -23.18% (p19 of band) | -8.10% |
| AOCI / equity | 0.15% (p86 of band) | |
| ROA (annualized) | 1.54% (p66 of band) | 1.28% |
| Net interest margin | 3.95% (p53 of band) | 3.91% |
| Efficiency ratio | 49.16% (p17 of band) | |
| Noncurrent loans | 0.49% (p54 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p13 of band) | |
| Reserve coverage of noncurrent | 436.78% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 22.66% (p28 of band) | |
| Auto loans | $2,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $2.8M (5% of equity) (p94 of band) | |
| Deposits YoY | 4.9% | |
| Employees | 66 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | noncurrent p90 |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | capital falling | reserve under noncurrent |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 4 | wholesale funding >15%, deposits shrinking, uninsured deposits leaving |  |
| 2023-06 | 2 |  | deposits shrinking, uninsured deposits leaving |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | deposits shrinking |  |
| 2024-03 | 2 |  | deposits shrinking |
| 2024-06 | 2 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity, wholesale funding >15% |
| 2024-12 | 1 | securities losses >30% of equity |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-08-20 [Chino Commercial Bancorp (OTC: CCBC) Share Price, CCBC Stock News, CCBC Share Price & Updates - kalkine.ca](https://news.google.com/rss/articles/CBMiTEFVX3lxTE5OWXR1OGs3WFdGSkZWRmZDeFVRLXN2ck4zdVNSSjBqTDFQYzlnejNSLWtSRnVMNzFHcGxrOENNTkVUdkE1N3M0U21XcWg?oc=5) · kalkine.ca
- 2011-01-10 [Federal Reserve Bank of San Francisco Elects Betsy Lawer and Nicole Taylor to its Board of Directors - Federal Reserve Bank of San Francisco](https://news.google.com/rss/articles/CBMixAFBVV95cUxPYXhlXy02MTV3RkJqNmQxeVlra2xPaVZTX3pfMnYxXzBqMDJnWGJNR2JTY2JSR1JqNjR6NzhncGZ4QWx5LUNRN0JRR1l0RlEtN2dBZmFYLTlFTXNJa2tSWjJtX3g2ZmRqalBNOHNxNE4wZDdPelhCZ1BTb2J3U1dIRGEyT1BYcmZ1MmIyV2FBdGp3TUxEa05BbEhsMEtCZEVnRUdJNUJEUG5vUWtRY2R6UU5ZcUJtMlhQM25SRHFmTV9zQWw0?oc=5) · Federal Reserve Bank of San Francisco

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35366 (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/38.json (key "35366", 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