C3bank, National Association
Encinitas, CA
IDRSSD: 754068
Total Assets
$996.22M
Latest filing
Total Deposits
$885.78M
Latest filing
Net Interest Margin
3.67%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
122240751ENCINITAS, CA
Key People
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Locations
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Main Office
C3bank, National Association
850 S Coast Highway 101
Encinitas, CA 92024
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/01/1984FDIC Certificate 17455
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| C3bank, National Association (Main) | 850 S Coast Highway 101 | Encinitas, CA |
| SAN MARCOS | 1110 San Marino Dr | San Marcos, CA |
| SAN MARCOS BRANCH | 1110 San Marino Dr | San Marcos, CA |
| RIVERSIDE BRANCH | 3727 Arlington Ave | Riverside, CA |
| NASHVILLE BANKING CENTER BRANCH | 615 9th Avenue South | Nashville, TN |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 06/01/1984 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 92024 |
| State and County Number | 06073 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | San Diego-Chula Vista-Carlsbad, CA |
Operational Info
| Number of Employees | 58 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/18/2023 |
| Date of Deposit Insurance | 06/01/1984 |
| Primary Insurance Agency | DIF |
| Website | www.C3bank.com |
| Data Updated | 01/30/2026 |
| CERT | 25249 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $996.22M |
| Total Deposits | $885.78M |
| Total Liabilities | $904.30M |
| Total Equity Capital | $91.92M |
| Net Income | $2.94M |
| Net Loans and Leases | $599.34M |
| Assets Per Employee ($Millions) | $16.07M |
| Bank Premises and Fixed Assets | $14.00M |
| Cash and Balances due from Depository Institutions | $340.08M |
| Deposits Held in Domestic Offices | $885.78M |
Key Performance Ratios
| Return on Assets (ROA) | 1.22% |
| Return on Equity (ROE) | 12.99% |
| Net Interest Margin | 3.67% |
| Efficiency Ratio | 52.09% |
| Tier 1 Risk-Based Capital Ratio | 15.792% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.226% |
| Earning Assets to total Assets | 96.92% |
Income and Expense
| Total Interest Income | $11.92M |
| Total Noninterest Income | $331.00k |
| Total Interest Expense | $3.34M |
| Total Noninterest Expense | $4.64M |
| Net Interest Income | $8.58M |
| Pre-tax Net Operating Income | $4.10M |
| Provision for Credit Losses | $170.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $8.03M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $10.50M |
| Total Liabilities and Capital | $996.22M |
Securities
| Securities | $32.47M |
| Available-for-sale debt securities | $5.71M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $26.76M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of C3bank, National Association?
$996.22M as of the latest filing.
How much are C3bank, National Association's total deposits?
$885.78M in total deposits.
Where is C3bank, National Association located?
Encinitas, CA.
What is the Net Interest Margin?
3.67%.
How many domestic offices does it operate?
5.
When was it established?
06/01/1984.
What is the Return on Assets (ROA)?
1.22%.
How much are total loans and leases?
$599.34M (latest filing).
What is the total interest income (latest filing)?
$11.92M.