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Commercial Bank Of California

IDRSSD: 3189063
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2024-Q2QoQ +2

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #3189063 2024-Q2 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q1 2024:
↑ +2 ptscomposite
  • Liquidity
    ↑ +8
  • Securities
    — —
  • Capitalization
    ↓ 0
  • Asset Quality
    ↑ 0
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ +8
88
Sub-score

Liquidity is strong: brokered 8.5%, loans/deposits 82.7%, cash 11.7% of assets.

Cash / Assets
11.68%
Loans / Deposits
82.74%
Brokered %
8.51%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.91%
No watch items at this period.

Capitalization

WatchQoQ 0
54
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.52%, CET1 10.52%, leverage 7.94%.

Tier 1 RBC
10.52%
CET1
10.52%
Leverage
7.94%
No watch items at this period.

Asset Quality

StrongQoQ 0
99
Sub-score

Asset quality is strong: Adjusted NPL 0.14%, Texas Ratio 1.1%, NCO YTD 0.18%.

Adjusted NPL
0.14%
Govt-guarantees stripped
Texas Ratio
1.1%
NCO YTD
0.18%
30-89 PD
0.06%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StrongQoQ +1
87
Sub-score

Reserves are strong: ALLL 1.12% of loans, coverage 786.1%, true coverage 414.8%.

ALLL / Loans
1.12%
Coverage
786.1%
True Loss Coverage
414.8%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 03:40:53 UTC