# Commercial Bank of California

> Commercial Bank of California is a privately held community business bank serving California businesses, entrepreneurs, professionals and nonprofits. It combines commercial and SBA lending, deposit accounts, treasury services and payment processing with relationship banking. Its parent acquired Community Bank of the Bay in November 2024. CBC reported approximately $4 billion in assets at June 30, 2026.

- **Founded:** 2003
- **Headquarters:** Irvine, United States
- **Founders:** K. P. Bala Balkrishna (Founder; inaugural president and CEO)
- **Products:** Business deposit accounts, Commercial and SBA lending, Treasury management, CBCash and CBCashflow, Payment processing
- **Notable:** Opened May 15, 2003, as a California state-chartered bank., Completed the Bay Community Bancorp acquisition on November 1, 2024., Identifies itself as California’s largest Latino-owned bank and a certified Minority Depository Institution.

## Products & services

- **Business deposit accounts** — Business checking, savings, certificates of deposit and specialty deposit services.
- **Commercial and SBA lending** — Business term loans, credit lines, equipment finance, commercial real estate and construction lending; CBC identifies itself as an SBA Preferred Lender.
- **Treasury management** — ACH origination, wire transfers, positive pay, remote deposit capture, lockbox and merchant services.
- **CBCash and CBCashflow** — Cash-flow tools including receipt of real-time payments and invoicing within business online banking; CBCashflow is powered by Autobooks.
- **Payment processing** — ACH, bankcard sponsorship and merchant processing; CBC reports over $50 billion in annual ACH processing and nearly 10,000 merchants served.
- **California Green Fund** — Deposit designation program supporting environmentally focused lending; expanded from the Bay Area Green Fund after the merger. It is not an investment product or a guarantee of funding a specific project.

## Achievements

- Opened May 15, 2003, as a California state-chartered bank.
- Completed the Bay Community Bancorp acquisition on November 1, 2024.
- Identifies itself as California’s largest Latino-owned bank and a certified Minority Depository Institution.
- Reported $42.5 million net income for 2025.
- Reported $3.98 billion assets at June 30, 2026.
- Its 2025 impact report reports $54.44 million of Green Fund lending across 36 projects at year-end.
- October 2026 announcement reports inclusion in Forbes and Statista’s inaugural World’s Top Performing Banks list and a No. 20 S&P Global deposit-franchise ranking in the $3 billion to $10 billion community-bank cohort.

## Latest updates

- **2026-10** — Announced Forbes/Statista, S&P Global and Orange County Business Journal recognitions.
- **2026-08** — Published first-half 2026 results: $25.9 million net income and approximately $4 billion assets at June 30.
- **2026-06** — Announced a planned San Francisco office and regional leadership appointments; an opening was not confirmed in that announcement.

## Links

- Website: https://cbcal.com/
- LinkedIn: https://www.linkedin.com/company/commercial-bank-of-california
- Twitter/X: https://twitter.com/cbcal
- Facebook: https://facebook.com/commercialbankofcalifornia

---

Profile page: https://yespress.io/commercial-bank-of-california
Published by YesPress — https://yespress.io
Last updated: 2026-10-25