Commercial Bank of California
Commercial Bank of California is a full-service, FDIC-insured community bank headquartered in Irvine, CA, that specializes in personalized banking services for small and mid-sized California businesses and entrepreneurs. Founded in 2003, CBC has grown to become the third-largest bank in Orange County with approximately $2 billion in assets.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (15 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
Commercial Bank of California ranks #174 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of Commercial Bank of California’s 7(a) acquisition lending falls in the $500K-$1M range: 7 loans, 46.7% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 3 | 20.0% | |
| $500K-$1M | 7 | 46.7% | |
| $1M-$2M | 3 | 20.0% | |
| $2M-$3M | 1 | 6.7% | |
| $3M-$4M | 1 | 6.7% |
Industries with highest loan volume
Other Personal Care Services
6
loans
$929K
avg. amount
Limited-Service Restaurants
2
loans
$840K
avg. amount
Child Care Services
2
loans
$479K
avg. amount
Hotels (except Casino Hotels) and Motels
2
loans
$2.4M
avg. amount
Funeral Homes and Funeral Services
1
loans
$2.5M
avg. amount
Beer, Wine, and Liquor Retailers
1
loans
$440K
avg. amount
Gasoline Stations with Convenience Stores
1
loans
$1.2M
avg. amount
10-Year
0.0%
Percentile Ranking
0th percentile
Commercial Bank of California’s median variable rate is + 2.25%, against a market median of Prime + 1.88%, 38 above market.
It priced below the market median in 0 of the last 2 quarters.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.42% |
| $500K-$1M | Prime + 2.46% |
| $1M-$2M | Prime + 2.25% |
| $2M-$3M | Prime + 2.75% |
| $3M-$4M | Prime + 1.00% |
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q4 '24 | Prime + 3.00% | Prime + 2.25% | Prime + 1.50% – Prime + 2.75% | 3 |
| Q2 '25 | Prime + 2.75% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 3 |
Commercial Bank of California has originated 7(a) acquisition loans in 3 states, most actively in California (11), New Jersey (3) and Oregon (1). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| California | 11 | 73.3% |
| New Jersey | 3 | 20.0% |
| Oregon | 1 | 6.7% |
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