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C3Bank, National Association
Encinitas, CA · FDIC Certificate #25249 · Chartered 06/0
Total assets
$949.27M
Total deposits
$836.36M
Total equity
$93.70M
Net loans
$593.74M
Branches (offices)
4
Net income (YTD)
$5.40M
Rank: #1,090 of 4,213 U.S. banks by assets · #63 of 115 in California. Assets changed -0.3% and deposits -1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.14% |
| Return on equity | 11.68% |
| Net interest margin (YTD) | 3.69% |
| Equity to assets | 9.87% |
| Tier 1 leverage ratio | 10.59% |
| Uninsured deposits (share of deposits) | 35.8% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 71.0% |
| Real estate loans (share of loans) | 98.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $586.74M | 98.8% | |
| Commercial & industrial | $14.97M | 2.5% | |
| Consumer / individual | $1.00K | 0.0% | |
| Construction & development | $35.19M | 5.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $735.83M | $664.39M | $3.96M | $62.37M |
| Jun 2023 | $861.32M | $731.26M | $6.75M | $74.28M |
| Jun 2024 | $772.76M | $669.32M | $5.21M | $81.19M |
| Jun 2025 | $952.06M | $848.86M | $5.38M | $86.36M |
| Jun 2026 | $949.27M | $836.36M | $5.40M | $93.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $762.53M | 3 |
| Tennessee | $73.83M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $836.36M.
Similar-sized banks
The Farmers & Merchants Bank ($949.40M) · Midwest Regional Bank ($948.97M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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