# CALIFORNIA BANK OF COMMERCE
WALNUT CREEK, CA · FDIC certificate 58583 · asset band $1-10B · latest filing 2024-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $1.91B | |
| Deposits | $1.64B | |
| Loans and leases | $1.49B | |
| Total equity | $244.7M | |
| Loans / deposits | 89.81% (p54 of band) | 88.26% |
| Liquid assets / assets | 18.66% (p41 of band) | |
| Uninsured deposits / deposits | 36.93% (p70 of band) | 29.45% |
| Brokered deposits | 22.45% | |
| Wholesale funding | 22.45% (p87 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.54% (p85 of band) | 10.09% |
| Unrealized securities loss / equity | -4.78% (p81 of band) | -15.94% |
| AOCI / equity | 0.07% (p68 of band) | |
| ROA (annualized) | 0.05% (p5 of band) | 0.90% |
| Net interest margin | 3.88% (p80 of band) | 3.16% |
| Efficiency ratio | 64.10% (p47 of band) | |
| Noncurrent loans | 1.46% (p90 of band) | 0.37% |
| Net charge-offs (annualized) | 1.41% (p99 of band) | |
| Reserve coverage of noncurrent | 75.42% | |
| Real estate % of loans | 56% | |
| Construction % of loans | 9.32% (p10 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 | -5.9% | |
| Employees | 162 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | charge-offs p90 |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | charge-offs p90 |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 2 | wholesale funding >15% |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 1 | uninsured deposits >50% | capital falling, wholesale funding >15% |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 3 | capital falling, run vulnerability |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 1 |  | run vulnerability |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 2 | run vulnerability |  |
| 2015-09 | 2 | capital falling | run vulnerability |
| 2015-12 | 2 | run vulnerability | capital falling |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | capital falling |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | loans exceed deposits, liquid assets <10% | capital falling |
| 2017-06 | 3 |  | loans exceed deposits |
| 2017-09 | 2 |  | liquid assets <10% |
| 2017-12 | 3 | capital falling |  |
| 2018-03 | 2 |  | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 4 | loans exceed deposits, liquid assets <10% |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 5 | capital falling, charge-offs p90 | loans exceed deposits |
| 2019-12 | 3 |  | liquid assets <10%, charge-offs p90 |
| 2020-03 | 3 | expense ratio p90 | capital falling |
| 2020-06 | 2 | wholesale funding >15%, charge-offs p90 | uninsured deposits >50%, run vulnerability, expense ratio p90 |
| 2020-09 | 3 | capital falling, expense ratio p90 | charge-offs p90 |
| 2020-12 | 2 |  | wholesale funding >15% |
| 2021-03 | 1 |  | expense ratio p90 |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | deposits shrinking |  |
| 2022-09 | 2 | brokered >10%, wholesale funding >15% | deposits shrinking |
| 2022-12 | 1 | capital falling | brokered >10%, wholesale funding >15% |
| 2023-03 | 2 | brokered >10%, wholesale funding >15% | capital falling |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | deposits shrinking |  |
| 2024-03 | 4 | assets shrinking, uninsured deposits leaving | deposits shrinking |
| 2024-06 | 6 | noncurrent p90, charge-offs p90, reserve under noncurrent, deposits shrinking | assets shrinking, uninsured deposits leaving |

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

- 2026-02-02 [California Bank of Commerce Adds Two Veteran Commercial Bankers to Northern California Team - ABF Journal](https://news.google.com/rss/articles/CBMiuwFBVV95cUxQMHhzcjd0SHBOc1FzZzdLbGpKLUpaRkxQdkpqX040b2FTZU5pQUVMYVN3NWZHU1hZVU84Uy0ya21TVE5odktwWmNRcWN1SVNEbWo0dHpSS0UxNGM5TVlSYndIMnFrQmNLQXFfdXB5YmE2d04zZ0RTdmE0aG1ISkJYd0dZU2cyR0tiZXhRNkpXZlFIdXBxa05ldG1ZVERyclZYeDdMSG1ha2EwMHdIVG01VTkxLUY3eE1oRndR?oc=5) · ABF Journal
- 2026-01-12 [Entrepreneurial banker Steven Shelton retires amid shifting landscape for Bay Area banking - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxOOWR2QUlsODRUQmFsNUc2NEVHNkFJamtONUxHUG8tZDEwbjM5VXdYRjROdklSOGNlSGdSTWNsTDFrNHpKUkZjVXhHZHBkaEdFdktOVUdZbFdwdnk5TUxPNnRNR1QtRjI1UW1PMERZdEo0RnV2LWZqalp6emhqWV9zYkVMYm5jMXlIbzlTLUVfLUk1SWVxX3JwdVBITjJCazlsanhmSGFMY3JCTHBf?oc=5) · The Business Journals
- 2020-11-25 [Bank's gift will boost Carlsen Center's mentoring efforts - California State University, Sacramento](https://news.google.com/rss/articles/CBMipAFBVV95cUxPQU8yRVBWVE1MbFhzV3BaSThIVmdDZkhJVDFTS3VjT01LYW1DS0pnaXlIekJlbDRkSEN3WWQ2cWVIbTdPOG15UGwwanByaEl6RG1WNHZVT2lYQ1pPSm1HckZBZEo1VGplWGY4ZHRIbXgxdFBzVFVPMkVRa3hvZVdtVDBEMVRyblNfekJ1SGlYUVJoelZqVjhKcjFGSVZuRFNhaXdTVw?oc=5) · California State University, Sacramento
- 2022-11-01 [Michael Khan Joins Pinnacle Bank as Executive Vice President, Senior Lending Officer - Business Wire](https://news.google.com/rss/articles/CBMi1wFBVV95cUxQeUxKNmVMTmZEb3lWTTc5MGV3ZzJEWGZoY3NGNFN5aHNLSnR4bmVVcVNxWTJNNlBpdEk5Zlp5NHRGc1FzZ1FxTE41eUNkV2pFd0xQZTVEM2dtRzNJN1hGd0tqeF9Db1RwZUtJM3pNZkhkVlpHR0VXVnlBNndJSGtsYm5TdWoxT0lkMFFKSFdBS3pheU40cU84U0pnc19kTy1vcm9ac1k3aTJQY0xzelVrczU3VnF0aDZHaTlpbFQ5ZFhyVXJzV1ZKTHNkbUZkc1l1dzBmd1JXQQ?oc=5) · Business Wire
- 2024-07-31 [Southern California Bancorp and California Bancorp Complete Merger of Equals - GlobeNewswire](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQZ19YQ1Z0ZjB6VGtyQUZrdTREU2lfZTAxbGE4aXBjbG82V2NUNnB0N0hqTTczaTRlbkV4QS1LYVBWRkc4TFA2dW1fYlg4c3g1Z3JoNlYtam9YanQ1Y3pzVFFoLXVpYm5rLW1td3Y5ODFzVlFvcDZqN2c1UlVWaVEtamt6Sks5QUdqcGg3MEFMUWJ3VFhUQjRSZ3RSdnFnNXdMaGtHc2RyZU1JWGJsdTNXWEstZFY0SmthcWRnQWFCX0tDNWRLMlQzNnJPZF9VS0lyYi1aMFBjLXhGTl9fMXhuRElB?oc=5) · GlobeNewswire
- 2020-07-23 [Executive Profile: Steve Shelton, CEO California Bank of Commerce - San Francisco Business Times - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxQR05wend1TTR4S3RwQnZXRWdfOTFQRnJ5TVk4Nnh2SFRuZmRkd05idFpjUTJDUTNzdjZBN0dfNTgxd3BCNm84Qm9OMUh3OUMwOUVSQTlIOVRySXhicDg2R1VEQUs0RW1HVTVpSXBQOTkzM0MzS2xJRlFCZVR2YmJTNl9QeXVsRmdJa3dBUHVDVEVLbG8wZFZWT3d0d0g0OXRfclVsdXNtRnVxcGZx?oc=5) · The Business Journals
- 2011-04-18 [Circle Bank Names Juanna Collin as Senior VP/Operations - Patch](https://news.google.com/rss/articles/CBMimgFBVV95cUxNQWh1VC1GaGlvUEluLTJvemNRZTlVZm5pUGMtMVVucExPOFh0NkJfd2pVZFYtdXlJWFRGc3duLXdwejVldlVXOU1hRVF6ZHdHYVk3Q1lRV3dHQk5PRFZ3ZjRkclhjc3l4M2ZBeVc0TTFMR3lQeUtzSFhrUW5GYW9MTThWRUJ3OURLUzR1MG9tWlRIZExpblYxRFJn?oc=5) · Patch
- 2024-05-11 [Brad Kisner Obituary - Lafayette, CA - eastbaytimes.com](https://news.google.com/rss/articles/CBMiYkFVX3lxTE5MTlBWVzhMaXZHUEMzOGdnMncxNW9CR2RBcTFscWdJZ3pVRnR0cTBYWVUtY0J6SnJTaU00NXJHX1NPRG5peFV2Yjc5TnNEN0QwSUlxcVNNQjlhN3dTaS1SR1pn?oc=5) · eastbaytimes.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58583 (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/23.json (key "58583", 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