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

Commonwealth Business Bank

Los Angeles, California · $1.97B in assets · beside the 11 other California banks between $1B and $3B

The filing

14.0%
Equity / assets
2nd of 12
0.6x
Coverage of noncurrent
10th of 11
1.88%
NPA / loans
10th of 12

Commonwealth Business Bank is the seventh largest of the 12 California banks nearest its size between $1B and $3B, with $1.97B in assets at 30 June 2026. Loans are 91.6% of deposits, 9th of 12 against a median of 88.6%, and equity is 14.0% of assets, 2nd of 12. Loans grew +4.2% in the year, 8th of 12, and deposits grew 9.1%; the cohort's median loan growth is +8.3%.

Noncurrent loans are 1.88% of the book, 10th of 12 against a median of 0.55%; 0.79% is 30 to 89 days past due, and the allowance covers them 0.6 times. Commercial real estate is 49.4% of loans, 7th of 12 against a median of 46.1%, and 259% of capital, below the 300% screen, with construction at 9% against the 100% screen.

Return on assets is 1.11%, 7th of 12 against a median of 1.11%, on an efficiency ratio of 56.7%, 4th of 12. Five years ago it was 1.62%. The question is which of these lines moves first over the next four quarters, and against which peer.

Equity as a share of assetsCA banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 11.3% MB Malaga Bank FSB 16.7% CB Commonwealth Business Bank 14.0% ED El Dorado Savings Bank FSB 13.8% PB Plumas Bank 12.4% FB FFB Bank 11.5% MB Mission Bank 11.4% FN First Northern Bank of Dixon 11.2% OV Oak Valley Community Bank 10.8% AR American Riviera Bank 10.3% UM U.S. Metro Bank 9.8% MB Montecito Bank & Trust 9.3% BS Beneficial State Bank 9.3%
Loans, year over yearCA banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +8.3% PB Plumas Bank +48.5% BS Beneficial State Bank +15.7% FB FFB Bank +15.5% AR American Riviera Bank +13.1% MB Mission Bank +12.9% UM U.S. Metro Bank +11.5% OV Oak Valley Community Bank +5.0% CB Commonwealth Business Bank +4.2% MB Montecito Bank & Trust +3.7% MB Malaga Bank FSB +2.7% FN First Northern Bank of Dixon +2.6% ED El Dorado Savings Bank FSB -5.8%

SBA 7(a), FY2008 to FY2026

Commonwealth Business Bank is the 11th largest 7(a) lender into California of 512, with $1.35B across 1,597 loans, 2.1% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 187 of its 341 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Los Angeles, CA$660M8th of 3083.2%-3.9 pts
Dallas, TX$147M9th of 3142.7%-3.2 pts
San Bernardino, CA$132M6th of 2133.7%-0.7 pts
Orange, CA$131M14th of 2561.8%-2.6 pts
Riverside, CA$93M8th of 2192.6%-3.4 pts
Tarrant, TX$90M10th of 2812.4%-4.3 pts
Kern, CA$69M1st of 1297.4%-8.8 pts
Denton, TX$65M6th of 2243.4%-5.7 pts
Harris, TX$57M32nd of 3140.7%-1.0 pts
Santa Barbara, CA$36M4th of 1186.4%-5.1 pts
King, WA$36M33rd of 1930.8%-0.5 pts
Collin, TX$32M23rd of 2611.2%-2.0 pts
Tulare, CA$28M2nd of 846.6%+2.6 pts
328 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade1,249$1.13B40.2%1.85%10th of 2,589
Accommodation & food services752$1.02B36.3%1.33%9th of 2,596
Other services205$237M8.4%0.68%32nd of 2,248
Wholesale trade92$107M3.8%0.42%47th of 1,651
Health care & social assistance85$104M3.7%0.22%69th of 2,172
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Commonwealth Business Bank
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans CB Commonwealth Business Bank 2.1% $1.35B · 1,597 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers; owner-occupied excluded; bold marks a screen met
Commonwealth Business BankRankCohort median
Total CRE against capital, the 300% screen259%6th of 12261%
Construction against capital, the 100% screen9%4th of 1215%
Construction and land development, share of loans1.6%4th of 122.5%
Non-owner-occupied nonfarm nonresidential, share of loans43.2%10th of 1228.4%
Total CRE, the guidance definition, share of loans49.4%7th of 1246.1%
CRE growth over 36 months, the third prong+5.2%4th of 12+16.8%

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
El Dorado Savings Bank FSB$2.44B0.9%58.7%0.28%0.01%1.2%23.6%13.8%
Plumas Bank$2.28B1.8%51.3%1.55%0.06%1.3%80.1%12.4%
Beneficial State Bank$2.03B0.1%76.1%2.53%0.73%1.8%90.9%9.3%
Montecito Bank & Trust$2.02B0.6%81.2%0.17%0.02%1.0%80.2%9.3%
Mission Bank$2.01B1.6%45.1%0.02%0.32%1.4%86.6%11.4%
Oak Valley Community Bank$2.00B1.1%64.0%0.00%0.30%1.0%66.0%10.8%
Commonwealth Business Bank$1.97B1.1%56.7%1.88%0.00%1.1%91.6%14.0%
First Northern Bank of Dixon$1.93B1.1%59.8%0.41%0.12%1.3%65.4%11.2%
U.S. Metro Bank$1.64B1.0%60.4%1.54%0.37%1.3%95.4%9.8%
FFB Bank$1.62B1.3%64.9%3.54%0.31%1.4%90.6%11.5%
Malaga Bank FSB$1.45B1.7%29.0%0.00%0.00%0.3%131.8%16.7%
American Riviera Bank$1.44B1.1%61.3%0.68%0.00%1.2%93.1%10.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Commonwealth Business BankCohort median
20212026Change20212026Change
Loans$1.23B$1.52B+24%$893M$1.31B+47%
Deposits$1.38B$1.66B+21%$1.27B$1.70B+34%
NPA / loans0.16%1.88%+1.72 pts0.30%0.55%+0.25 pts
Efficiency50.6%56.7%+6.0 pts54.1%60.1%+6.0 pts
ROA1.62%1.11%-0.51 pts1.16%1.11%-0.05 pts

This read was prepared for Commonwealth Business Bank'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 Commonwealth Business Bank 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 $1B to $3B
Institution www.cbb-bank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. 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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