Community Bank of the Bay
Oakland, CA
IDRSSD: 2483438
Total Assets
$1.01B
Latest filing
Total Deposits
$704.07M
Latest filing
Net Interest Margin
3.72%
Profitability
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, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/22/1996 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 94612 |
| State and County Number | 06001 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institution closed or not insured by FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | San Francisco-Oakland-Berkeley, CA |
Operational Info
| Number of Employees | 83 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/01/2024 |
| Date of Deposit Insurance | 07/22/1996 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 11/28/2025 |
| CERT | 34210 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.01B |
| Total Deposits | $704.07M |
| Total Liabilities | $811.69M |
| Total Equity Capital | $196.77M |
| Net Income | $2.08M |
| Net Loans and Leases | $699.86M |
| Assets Per Employee ($Millions) | $12.15M |
| Bank Premises and Fixed Assets | $3.16M |
| Cash and Balances due from Depository Institutions | $144.38M |
| Deposits Held in Domestic Offices | $704.07M |
Key Performance Ratios
| Return on Assets (ROA) | 0.83% |
| Return on Equity (ROE) | 4.27% |
| Net Interest Margin | 3.72% |
| Efficiency Ratio | 63.53% |
| Tier 1 Risk-Based Capital Ratio | 9.906% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.19% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 19.512% |
| Earning Assets to total Assets | 96.05% |
Income and Expense
| Total Interest Income | $13.75M |
| Total Noninterest Income | $437.00k |
| Total Interest Expense | $4.73M |
| Total Noninterest Expense | $6.00M |
| Net Interest Income | $9.01M |
| Pre-tax Net Operating Income | $2.96M |
| Provision for Credit Losses | $487.00k |
| 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 | $100.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $27.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $7.62M |
| Total Liabilities and Capital | $1.01B |
Securities
| Securities | $134.33M |
| Available-for-sale debt securities | $102.91M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $31.50M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Community Bank of the Bay?
$1.01B as of the latest filing.
How much are Community Bank of the Bay's total deposits?
$704.07M in total deposits.
Where is Community Bank of the Bay located?
Oakland, CA.
What is the Net Interest Margin?
3.72%.
How many domestic offices does it operate?
4.
When was it established?
07/22/1996.
What is the Return on Assets (ROA)?
0.83%.
How much are total loans and leases?
$699.86M (latest filing).
What is the total interest income (latest filing)?
$13.75M.