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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

C3bank National Association

Encinitas, California · $949M in assets · beside the 11 other California banks between $300M and $1B

The filing

0.00%
NPA / loans
2nd of 12
9.9%
Equity / assets
10th of 12
60.4%
CRE / loans
10th of 12

C3bank National Association is the third largest of the 12 California banks nearest its size between $300M and $1B, with $949M in assets at 30 June 2026. Loans are 72.0% of deposits, 5th of 12 against a median of 90.7%, and equity is 9.9% of assets, 10th of 12. Loans grew +4.8% in the year, 7th of 12, and deposits fell 1.5%; the cohort's median loan growth is +5.2%.

Nothing on the book is noncurrent; 0.14% is 30 to 89 days past due, and the allowance is 1.4% of loans, 7th of 12. Commercial real estate is 60.4% of loans, 10th of 12 against a median of 50.9%, and 361% of capital, above the 300% screen, with construction at 35% against the 100% screen.

Return on assets is 1.22%, 3rd of 12 against a median of 0.86%, on an efficiency ratio of 54.2%, 3rd of 11. Five years ago it was 1.31%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 7.2% of loans).

Nonperforming loans, share of loansCA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 0.32% HB HCN Bank 0.00% CN C3bank National Association 0.00% RV River Valley Community Bank 0.00% AP American Plus Bank N A 0.04% Bo Bank of San Francisco 0.09% BC Bac Community Bank 0.18% EB Endeavor Bank 0.45% FC First Commercial Bank USA 1.05% MV Mission Valley Bank 1.94% PB Pinnacle Bank 2.30% SS Summit State Bank 2.43% NB Nano Banc 25.73%
Loans, year over yearCA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.2% Bo Bank of San Francisco +26.3% RV River Valley Community Bank +12.3% HB HCN Bank +8.9% FC First Commercial Bank USA +6.4% EB Endeavor Bank +6.2% MV Mission Valley Bank +5.7% CN C3bank National Association +4.8% AP American Plus Bank N A +4.7% PB Pinnacle Bank +1.9% BC Bac Community Bank -0.7% SS Summit State Bank -12.6% NB Nano Banc -21.9%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
C3bank National AssociationRankCohort median
Total CRE against capital, the 300% screen361%9th of 12275%
Construction against capital, the 100% screen35%10th of 1216%
Construction and land development, share of loans5.8%10th of 123.0%
Non-owner-occupied nonfarm nonresidential, share of loans40.7%8th of 1238.1%
Total CRE, the guidance definition, share of loans60.4%10th of 1250.9%
CRE growth over 36 months, the third prong-5.1%3rd of 12+10.6%
Commercial real estate against capital, the 300% screenCA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 275% FC First Commercial Bank USA 163% EB Endeavor Bank 182% MV Mission Valley Bank 225% PB Pinnacle Bank 228% Bo Bank of San Francisco 235% RV River Valley Community Bank 274% BC Bac Community Bank 276% SS Summit State Bank 341% CN C3bank National Association 361% AP American Plus Bank N A 455% NB Nano Banc 529% HB HCN Bank 611%
CRE growth over 36 months, the guidance's third prongCA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +10.6% NB Nano Banc -26.0% SS Summit State Bank -22.9% CN C3bank National Association -5.1% BC Bac Community Bank +0.6% FC First Commercial Bank USA +0.7% HB HCN Bank +8.3% PB Pinnacle Bank +12.8% MV Mission Valley Bank +21.0% EB Endeavor Bank +45.3% RV River Valley Community Bank +46.9% AP American Plus Bank N A +51.0% Bo Bank of San Francisco +80.7%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
HCN Bank$998M2.2%44.9%0.00%0.00%1.3%93.0%11.4%
Summit State Bank$960M0.1%64.0%2.43%2.28%1.7%89.7%10.6%
C3bank National Association$949M1.2%54.2%0.00%0.00%1.4%72.0%9.9%
Pinnacle Bank$937M0.6%76.4%2.30%2.08%1.3%71.1%11.7%
American Plus Bank N A$935M1.8%32.2%0.04%0.00%1.5%107.5%16.0%
Bank of San Francisco$864M0.9%64.1%0.09%0.00%1.2%93.9%10.1%
First Commercial Bank USA$850M1.1%55.4%1.05%0.00%1.5%113.2%23.0%
Endeavor Bank$823M1.0%60.4%0.45%-0.02%1.6%91.7%11.4%
River Valley Community Bank$793M0.6%69.4%0.00%0.04%1.2%57.5%7.6%
Mission Valley Bank$782M0.8%71.9%1.94%0.34%1.3%102.5%10.7%
Bac Community Bank$762M0.8%75.3%0.18%0.02%1.5%68.2%9.9%
Nano Banc$736M-0.6%no record25.73%3.32%4.2%69.8%5.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
C3bank National AssociationCohort median
20212026Change20212026Change
Loans$457M$602M+32%$490M$648M+32%
Deposits$621M$836M+35%$593M$733M+24%
NPA / loans0.00%0.00%+0.00 pts0.04%0.32%+0.28 pts
Efficiency46.8%54.2%+7.4 pts53.4%64.0%+10.6 pts
ROA1.31%1.22%-0.09 pts1.17%0.86%-0.31 pts

This read was prepared for C3bank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on C3bank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $300M to $1B
Institution www.C3bank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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