BlastPoint's Banking Scorecard
Community Commerce Bank
Micro
Specialty: Commercial
CA
FDIC cert 26363
Claremont, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Community Commerce Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 21.93% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$411.6M
+2.8% YoY
+3.3% QoQ
|
+$194.1M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$299.4M
+2.0% YoY
+3.7% QoQ
|
+$160.3M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$310.5M
+1.1% YoY
+4.0% QoQ
|
+$126.8M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
0.72%
+3.6% YoY
+2.3% QoQ
|
-0.36% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
3.15%
+1.1% YoY
+1.3% QoQ
|
-0.70% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
70.38%
+1.5% YoY
-1.1% QoQ
|
+2.65% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? | 0.01% | -0.63% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
96.45%
+0.9% YoY
-0.2% QoQ
|
+21.92% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.46%
-33.3% YoY
-61.1% QoQ
|
-21.93% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.66%
-2.2% YoY
-2.0% QoQ
|
+0.21% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
18.71%
-1.0% YoY
-3.2% QoQ
|
+9.86% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.27%
+13.0% YoY
+32.3% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Non-Interest-Bearing Deposit Share is in the bottom decile of tier peers. The deposit base leans more on interest-bearing funding than at peers - margin more exposed to rate hikes.
Why this stands out
Current:
0.46%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Total Loans
Current: $299.4M · Tier avg: $139.2M
90
90th pctile
Total Assets
Current: $411.6M · Tier avg: $217.5M
84
84th pctile
Tier 1 Capital Ratio
Current: 18.71% · Tier avg: 8.85%
83
83th pctile
Total Deposits
Current: $310.5M · Tier avg: $183.7M
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
39
39th pctile
Efficiency Ratio
Current: 70.38% · Tier avg: 67.73%
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.66% · Tier avg: 0.45%
29
29th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.08%
21
21th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.85%
13
13th pctile
Loan-to-Deposit Ratio
Current: 96.45% · Tier avg: 74.53%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.46% · Tier avg: 22.39%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.46% · Tier avg: 22.39%
13
13th pctile
Loan-to-Deposit Ratio
Current: 96.45% · Tier avg: 74.53%
21
21th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.85%
29
29th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.08%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.66% · Tier avg: 0.45%
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
39
39th pctile
Efficiency Ratio
Current: 70.38% · Tier avg: 67.73%
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
83
83th pctile
Total Deposits
Current: $310.5M · Tier avg: $183.7M
84
84th pctile
Tier 1 Capital Ratio
Current: 18.71% · Tier avg: 8.85%
90
90th pctile
Total Assets
Current: $411.6M · Tier avg: $217.5M
92
92th pctile
Total Loans
Current: $299.4M · Tier avg: $139.2M