# COUNTY COMMERCE BANK
VENTURA, CA · FDIC certificate 57423 · asset band <$300M · latest filing 2015-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $256.2M | |
| Deposits | $225.8M | |
| Loans and leases | $164.4M | |
| Total equity | $24.7M | |
| Loans / deposits | 71.80% (p47 of band) | 73.15% |
| Liquid assets / assets | 32.97% (p51 of band) | |
| Uninsured deposits / deposits | 33.48% (p94 of band) | 14.12% |
| Brokered deposits | 0.39% | |
| Wholesale funding | 2.34% (p52 of band) | |
| FHLB advances / assets | 1.95% | |
| Tier 1 leverage | 9.59% (p31 of band) | 10.64% |
| Unrealized securities loss / equity | 0.00% (p36 of band) | 0.27% |
| AOCI / equity | 0.00% (p62 of band) | |
| ROA (annualized) | 0.75% (p45 of band) | 0.82% |
| Net interest margin | 3.38% (p35 of band) | 3.64% |
| Efficiency ratio | 60.51% (p18 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.67% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 88% | |
| Construction % of loans | 42.28% (p76 of band) | |
| Auto loans | $11,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.8% | |
| Employees | 38 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |

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

- 2015-10-15 [Citizens Business Bank to buy Ventura lender - Los Angeles Times](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNU3N0N3ZzcTZuajdHWVM5Ul9jSS12d0F1S0kwSlhJd1FWWXRnX2tlMHhTb2pvV2lLTWZkMkM1c2pja2pCVXNETVBDeDk0MzNBOEc2aE1KZW5MSVBjUlpmZUoyOGNLZmZ2RmI2Q2RXVGtwM2pnUml0OFlCSkRudHEycXRGZU9MVUlU?oc=5) · Los Angeles Times
- 2021-08-09 [CVB Financial Pays $204 Million for Visalia-Based Sunscrest Bank - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMiigFBVV95cUxQZDlaRjlJZkIzWklkSHRzUzBhdUhSM19PTExha2psN1ZGanpDWjByZ2p2a05aUnFNS2tRZENQcXk1NU9vQW90WGNYODE0ekdRcVJZX0tvZllmY3F1REpSMUtwVTdiY3AtLU5KeER1YjNhT3E0QWYzOFExZUZERXhIRm5ic0QzZ2R1S0E?oc=5) · Los Angeles Business Journal
- 2017-01-07 [What the Top 200 Publicly Traded Community Banks Do Better Than Peers - American Banker](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOQmg0ZzR5SUwtNktiU0Z4TUEtWGdKbHBEUWJfU1hVRWJWODBVNUZnTVl0UEd1Y0xsWHNTdTI2d1NfSkhCQnlxZi1EQkpDZDF4WEd6eE0wem5QOHhYTWw4QWVkOXdTVGJ5MW5BclYySjZTVDAxcGVKY2RRYlA2UUdoc2VqQTBpWXJCMmpYeG41WFhTUEtoYW9tekhyalV5cXJjdHQ3MUZZQm0?oc=5) · American Banker
- 2018-08-14 [Citizens Business Bank acquires Community Bank, adding 16 branches - Orange County Register](https://news.google.com/rss/articles/CBMimAFBVV95cUxPWFI0U1BjLUw2ODBoNENPN0tIaEJoM3cwbGlNNmRtSXNoVS1PWmktMHFla1dhQmdzVUJMQWlfM3lLV0tpN003TXdoNklZbWdmVl9rbm5MRElqSmRWLUpQMk1NUEc4V1NUUFJHNWkzZUpqQW1qMi1NOUFNRVFxamdnWFJTcE4yWXpUQlByTGs0REtTRFU5a0Fwdw?oc=5) · Orange County Register
- 2021-10-08 [Alexander Villasenor Obituary (1974 - 2011) - Ventura, CA - Ventura County Star - legacy.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxNU1FBMnoxOWFlUUxzTmp6NHp2bWFuUkRLTEZnUWs4TlZDem5ncHNfVjJfbDNUbFlBVzRDaUs5Q1MtZVRkRktmVktoaW9VVXRoYmhjUXNveGNjR09SUFp4bWRvN1JuVldNWnBvelpaSExwd2NsVmVpV2VCcUN6TjZCR1k4YXlHZ1VMQWlwZUFrZW84ZkRObDdfZ2NSU2pfcDdCYUQw?oc=5) · legacy.com
- 2015-08-19 [Jeffrey McGuire's steer bought for auction record $55,920 - The Fillmore Gazette](https://news.google.com/rss/articles/CBMilwFBVV95cUxPWWlGOTU5WkpTR3NWcGdxNWgzSHh2LU1GV0I2NlRTTTBTUmY5QUdwdGw0MmgwTERQVmRDcEtpVnM3MmltMFltbUxGb1NDdF9mNkU3a1FmT1FvRmZzeTc4ZTIzUFhyZEtOZDByelhvS0VoSkplV1ZJM2t3VEpoUnFEQk5nUVMtcjVCUnVVOTFPU2c3SDRidDg4?oc=5) · The Fillmore Gazette
- 2024-08-12 [Scott Crane - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMicEFVX3lxTE5mM3ZXUjctdFI5c1J4LTdlMURmRU9TRUtENzRRaHdHQkZuRFlCTzd1cU1wMFlNNl8ycFBfU0M1Nk9vclpmTW55QTh5dXlwcG5vRnVDN1J5eDFHRVFUQWhGVWM4S2lVOS1pUVV0LS1DemQ?oc=5) · San Diego Union-Tribune
- 2021-10-05 [Michael Lavenant Obituary (- - 2012) - Camarillo, CA - Ventura County Star - legacy.com](https://news.google.com/rss/articles/CBMingFBVV95cUxPR2xQR3liOXlDUlNzeXVDRk0wbEtBYncyaU5nWVd0TF9aXzdyN215R0lOVW12eGtVYmlzLXE5MWZTc2xQTm5CbUNkM1I2X2xfYXdZcDN2cHFzcTJidl80dnkxSmIzemhoa3UzMVZjMnJrYnNDaFExMHRJWmZBN1hQX0hHbHI0Rmd2UUpBSnJoSUdnTmx4bll2QkFrbHFPdw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57423 (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/15.json (key "57423", 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