Chino Commercial Bancorp Reports 22% Increase In Net Earnings
Chino Commercial Bancorp (OTC: CCBC) reported third-quarter 2025 results for the period ended September 30, 2025. Net earnings were $1.54 million, up 21.57% versus Q3 2024, and year-to-date net earnings rose 18.45% to $4.43 million. Basic and diluted EPS were $0.48 for Q3 2025 and $1.38 YTD.
Key balance-sheet items: total assets $488.9M (+4.8% from Dec 31, 2024), total deposits $386.0M (+10.7%), gross loans $210.8M. Net interest income Q3 2025 was $4.03M and net interest margin was 3.79%. Loan quality strengthened with non-performing loans down to $827k and no delinquent loans at quarter-end. The Bank opened a fifth branch in Corona that generated $20M of new deposits in Q3.
Chino Commercial Bancorp (OTC: CCBC) ha riportato i risultati del terzo trimestre 2025 per il periodo terminato il 30 settembre 2025. Gli utili netti sono stati $1,54 milioni, in crescita del 21,57% rispetto al Q3 2024, e gli utili netti da inizio anno sono saliti del 18,45% a $4,43 milioni. L’EPS base e diluito sono stati $0,48 per Q3 2025 e $1,38 YTD.
Principali voci di bilancio: attività totali $488,9M (+4,8% rispetto al 31 dicembre 2024), depositi totali $386,0M (+10,7%), prestiti lordi $210,8M. Reddito netto da interessi del Q3 2025 è stato $4,03M e margine di interesse netto è stato 3,79%. La qualità del credito si è rafforzata con crediti in sofferenza scesi a $827k e nessun prestito in sofferenza al termine del trimestre. La Banca ha aperto una quinta filiale a Corona che ha generato $20M di nuovi depositi nel Q3.
Chino Commercial Bancorp (OTC: CCBC) comunicó los resultados del tercer trimestre de 2025 para el periodo terminado el 30 de septiembre de 2025. Las ganancias netas fueron $1.54 millones, un 21.57% más frente al Q3 2024, y las ganancias netas acumuladas del año aumentaron 18.45% a $4.43 millones. Las ganancias por acción básicas y diluidas fueron $0.48 para el Q3 2025 y $1.38 YTD.
Principales rubros del balance: activos totales $488.9M (+4.8% desde el 31 de diciembre de 2024), depósitos totales $386.0M (+10.7%), préstamos brutos $210.8M. Ingreso neto por intereses del Q3 2025 fue $4.03M y margen de interés neto fue 3.79%. La calidad de los préstamos se fortaleció con préstamos en morosidad reduciéndose a $827k y sin préstamos morosos al cierre del trimestre. El banco abrió una quinta sucursal en Corona que generó $20M de nuevos depósitos en el Q3.
Chino Commercial Bancorp (OTC: CCBC) 는 2025년 9월 30일 종료된 기간에 대한 2025년 3분기 실적을 발표했습니다. 순이익은 $1.54백만으로 전년 동기 대비 21.57% 증가했고, 연간 누적 순이익은 18.45% 증가하여 $4.43백만에 이르렀습니다. 기본 및 희석 EPS는 2025년 3분기 $0.48, 연간 누적 $1.38였습니다.
주요 대차대조표 항목: 총자산 $488.9M (+4.8% from 2024년 12월 31일), 총예금 $386.0M (+10.7%), 총대출 $210.8M. 3분기 순이자소득은 $4.03M이고 순이자마진은 3.79%였습니다. 대출 건전성은 부실대출이 $827k으로 감소하고 분기말에 연체 대출이 없었습니다. 은행은 Corona에 다섯 번째 지점을 열었고 3분기에 $20M의 신규 예금을 창출했습니다.
Chino Commercial Bancorp (OTC: CCBC) a publié les résultats du troisième trimestre 2025 pour la période se terminant le 30 septembre 2025. Le résultat net était de $1,54 millions, en hausse de 21,57% par rapport au T3 2024, et le résultat net cumulé depuis le début de l'année a augmenté de 18,45% pour atteindre $4,43 millions. Le BPA de base et dilué était de $0,48 pour le T3 2025 et $1,38 cumulé à ce jour.
Éléments clés du bilan : actif total $488,9M (+4,8% par rapport au 31 décembre 2024), dépôts totaux $386,0M (+10,7%), prêts bruts $210,8M. Revenu net d'intérêts du T3 2025 était $4,03M et marge nette d'intérêt était 3,79%. La qualité du crédit s'est renforcée avec les prêts non performants en baisse à $827k et aucun prêt en défaut à la fin du trimestre. La banque a ouvert une cinquième agence à Corona qui a généré $20M de nouveaux dépôts au T3.
Chino Commercial Bancorp (OTC: CCBC) berichtete über die Ergebnisse des dritten Quartals 2025 für den Zeitraum zum 30. September 2025. Nettoeinkommen betrug $1,54 Millionen, ein Anstieg um 21,57% gegenüber Q3 2024, und das bis dato im Jahr erzielte Nettoeinkommen stieg um 18,45% auf $4,43 Millionen. Grund- und verwässerte EPS betrugen $0,48 für Q3 2025 und $1,38 YTD.
Wesentliche Bilanzkennzahlen: Gesamtvermögen $488,9M (+4,8% seit dem 31.12.2024), Total Einlagen $386,0M (+10,7%), Bruttendarlehen $210,8M. Zinserträge netto im Q3 2025 betrugen $4,03M und Nettozinsmarge war 3,79%. Die Kreditqualität hat sich verbessert, mit notleidenden Krediten auf $827k gesunken und zum Quartalsende keine überfälligen Kredite. Die Bank eröffnete eine fünfte Filiale in Corona, die im Q3 $20M an neuen Einlagen generierte.
Chino Commercial Bancorp (OTC: CCBC) أبلغت عن نتائج الربع الثالث لعام 2025 للفترة المنتهية في 30 سبتمبر 2025. الأرباح الصافية كانت $1.54 مليون، بارتفاع 21.57% مقارنة بالربع الثالث 2024، وارتفعت الأرباح الصافية منذ بداية العام 18.45% لتصل إلى $4.43 مليون. ربحية السهم الأساسية والمخفّفة كانت $0.48 للربع الثالث 2025 و $1.38 حتى تاريخه للسنة.
عناصر رئيسية في الميزانية: الأصول الإجمالية $488.9M (+4.8% من 31 ديسمبر 2024)، إجمالي الودائع $386.0M (+10.7%)، إجمالي القروض $210.8M. الدخل من الفوائد الصافية للربع الثالث 2025 كان $4.03M و هامش الفوائد الصافية كان 3.79%. تحسّنت جودة الائتمان مع انخفاض القروض المتعثرة إلى $827k وعدم وجود قروض مُعسَرَة في نهاية الربع. افتتحت البنك فرعاً خامساً في كورونا الذي حقق $20M من الودائع الجديدة في الربع الثالث.
Chino Commercial Bancorp (OTC: CCBC) 已公布其截至 2025 年 9 月 30 日的 2025 年第 3 季度业绩。净利润 为 $1.54 百万美元，较 2024 年第 3 季度增长 21.57%，以及本年度累计的净利润 18.45% 增长至 $4.43 百万美元。基本与摊薄每股收益 为 $0.48（第 3 季度）和 $1.38（YTD）。
关键资产负债表项目：总资产 $488.9M（较 2024 年 12 月 31 日上涨 4.8%），总存款 $386.0M（+10.7%），总放款 $210.8M。第三季度净利息收入 为 $4.03M，净息差 为 3.79%。贷款质量改善，不良贷款降至 $827k，季度末无逾期贷款。银行在 Corona 开设第五家分行，第三季度产生了 $20M 的新存款。
- Net earnings Q3 2025 +21.57% to $1.54M
- YTD net earnings +18.45% to $4.43M
- Total deposits +10.7% to $386.0M
- Net interest income Q3 2025 +17.6% to $4.03M
- New Corona branch generated $20M in deposits during Q3
- Non-performing loans down ~32.7% to $827,155
- Noninterest expense Q3 2025 +11.8% to $2.75M
- Income tax expense Q3 2025 +22.9% to $614.1k
CHINO, Calif., Oct. 17, 2025 (GLOBE NEWSWIRE) -- The Board of Directors of Chino Commercial Bancorp (OTC: CCBC), the parent company of Chino Commercial Bank, N.A., announced the results of operations for the Bank and the consolidated holding company for the third quarter ended September 30, 2025.
Net earnings for the third quarter of 2025 were
Dann H. Bowman, President and Chief Executive Officer, stated, “The Bank’s performance in the third quarter exceeded expectations, posting new record levels for total Deposits, total Loans, Revenue, Earnings and Earnings Per Share. We are also pleased to report that loan quality remains very strong, with the Bank having no delinquent loans at quarter-end, no pending foreclosures, and no OREO.
We are also proud to announce the opening of the Bank’s fifth location in Corona during the third quarter. The early performance of the new branch is very strong, with the location generating
The Bank’s Merchant Services program also continues to deliver reliable credit card processing services for its customers, with significant savings and improved cash-flow options.”
Financial Condition
As of September 30, 2025, total assets reached
Gross loans increased by
Earnings
The Company reported net interest income of
Non-interest income totaled
General and administrative expenses totaled
Income tax expense for the quarter was
Forward-Looking Statements
The statements contained in this press release that are not historical facts are forward-looking statements based on management’s current expectations and beliefs concerning future developments and their potential effects on the Company. Readers are cautioned not to unduly rely on forward-looking statements. Actual results may differ from those projected. These forward-looking statements involve risks and uncertainties, including but not limited to, the health of the national and California economies, the Company’s ability to attract and retain skilled employees, customers’ service expectations, the Company’s ability to successfully deploy new technology and gain efficiencies therefrom, and changes in interest rates, loan portfolio performance, and other factors.
| Consolidated Statements of Financial Condition | ||||||
| As of 9/30/2025 | ||||||
| Sep-2025 Ending Balance | Dec-2024 Ending Balance | |||||
| Assets | ||||||
| Cash and due from banks | $ | 59,780,405 | $ | 45,256,619 | ||
| Cash and cash equivalents | $ | 59,780,405 | $ | 45,256,619 | ||
| Fed Funds Sold | $ | 19,011 | $ | 31,029 | ||
| Investment securities available for sale, net of zero | ||||||
| allowance for credit losses | $ | 6,377,096 | $ | 6,558,341 | ||
| Investment securities held to maturity , net of zero | ||||||
| allowance for credit losses | $ | 191,649,332 | $ | 190,701,756 | ||
| Total Investments | $ | 198,026,428 | $ | 197,260,097 | ||
| Gross loans held for investments | $ | 210,758,905 | $ | 205,235,497 | ||
| Deferred loan fees, net | $ | (462,854 | ) | $ | (504,564 | ) |
| Allowance for Loan Losses | $ | (4,646,798 | ) | $ | (4,623,740 | ) |
| Net Loans | $ | 205,649,253 | $ | 200,107,193 | ||
| Stock investments, restricted, at cost | $ | 3,662,000 | $ | 3,576,000 | ||
| Fixed assets, net | $ | 8,089,888 | $ | 7,255,785 | ||
| Accrued Interest Receivable | $ | 1,575,248 | $ | 1,539,505 | ||
| Bank Owned Life Insurance | $ | 8,663,792 | $ | 8,482,043 | ||
| Other Assets | $ | 3,452,044 | $ | 3,170,159 | ||
| Total Assets | $ | 488,918,070 | $ | 466,678,432 | ||
| Liabilities | ||||||
| Deposits | ||||||
| Noninterest-bearing | $ | 185,245,278 | $ | 166,668,725 | ||
| Interest-bearing | $ | 200,800,711 | $ | 182,200,703 | ||
| Total Deposits | $ | 386,045,989 | $ | 348,869,428 | ||
| Federal Home Loan Bank advances | $ | 10,000,000 | $ | 0 | ||
| Federal Reserve Bank borrowings | $ | 30,000,000 | $ | 60,000,000 | ||
| Subordinated debt | $ | 10,000,000 | $ | 10,000,000 | ||
| Subordinated notes payable to subsidiary trust | $ | 3,093,000 | $ | 3,093,000 | ||
| Accrued interest payable | $ | 426,691 | $ | 132,812 | ||
| Other Liabilities | $ | 2,188,745 | $ | 1,877,996 | ||
| Total Liabilities | $ | 441,754,425 | $ | 423,973,236 | ||
| Shareholder Equity | ||||||
| Common Stock ** | $ | 10,502,558 | $ | 10,502,558 | ||
| Retained Earnings | $ | 38,494,553 | $ | 34,059,943 | ||
| Unrealized Gain (Loss) AFS Securities | $ | (1,833,467 | ) | $ | (1,857,305 | ) |
| Total Shareholders' Equity | $ | 47,163,644 | $ | 42,705,196 | ||
| Total Liab & Shareholders' Equity | $ | 488,918,070 | $ | 466,678,432 | ||
| ** Common stock, no par value, 10,000,000 shares authorized and 3,211,970 shares issued and outstanding at 9/30/2025 and 12/31/2024 | ||||||
| Consolidated Statements of Net Income | ||||||||||||
| As of 9/30/2025 | ||||||||||||
| Sep-2025 QTD Balance | Sep-2024 QTD Balance | Sep-2025 YTD Balance | Sep-2024 YTD Balance | |||||||||
| Interest Income | ||||||||||||
| Interest & Fees On Loans | $ | 3,595,456 | $ | 3,035,928 | $ | 10,291,022 | $ | 8,564,927 | ||||
| Interest on Investment Securities | $ | 1,784,291 | $ | 1,843,696 | $ | 5,264,055 | $ | 5,725,365 | ||||
| Other Interest Income | $ | 247,797 | $ | 661,305 | $ | 680,824 | $ | 2,181,584 | ||||
| Total Interest Income | $ | 5,627,544 | $ | 5,540,929 | $ | 16,235,901 | $ | 16,471,876 | ||||
| Interest Expense | ||||||||||||
| Interest on Deposits | $ | 1,306,719 | $ | 1,168,014 | $ | 3,752,445 | $ | 3,255,683 | ||||
| Interest on Borrowings | $ | 289,488 | $ | 945,921 | $ | 1,032,636 | $ | 3,256,138 | ||||
| Total Interest Expense | $ | 1,596,207 | $ | 2,113,935 | $ | 4,785,081 | $ | 6,511,821 | ||||
| Net Interest Income | $ | 4,031,337 | $ | 3,426,994 | $ | 11,450,820 | $ | 9,960,055 | ||||
| Provision For Loan Losses | $ | 12,338 | $ | (14,173 | ) | $ | 20,420 | $ | (15,312 | ) | ||
| Net Interest Income After Provision for Loan Losses | $ | 4,018,999 | $ | 3,441,167 | $ | 11,430,400 | $ | 9,975,367 | ||||
| Noninterest Income | ||||||||||||
| Service Charges and Fees on Deposit Accounts | $ | 464,731 | $ | 445,176 | $ | 1,498,290 | $ | 1,345,691 | ||||
| Interchange Fees | $ | 111,218 | $ | 113,647 | $ | 328,169 | $ | 308,680 | ||||
| Earnings from Bank-Owned Life Insurance | $ | 63,103 | $ | 59,599 | $ | 181,749 | $ | 174,474 | ||||
| Merchant Services Processing | $ | 205,396 | $ | 129,184 | $ | 525,442 | $ | 410,722 | ||||
| Other Miscellaneous Income | $ | 47,295 | $ | 45,488 | $ | 225,110 | $ | 149,010 | ||||
| Total Noninterest Income | $ | 891,743 | $ | 793,094 | $ | 2,758,760 | $ | 2,388,577 | ||||
| Noninterest Expense | ||||||||||||
| Salaries and Employee Benefits | $ | 1,585,182 | $ | 1,521,825 | $ | 4,805,947 | $ | 4,444,120 | ||||
| Occupancy and Equipment | $ | 223,345 | $ | 182,813 | $ | 624,704 | $ | 515,286 | ||||
| Merchant Services Processing | $ | 86,326 | $ | 77,452 | $ | 232,919 | $ | 222,055 | ||||
| Other Expenses | $ | 859,723 | $ | 684,102 | $ | 2,326,176 | $ | 1,964,230 | ||||
| Total Noninterest Expense | $ | 2,754,576 | $ | 2,466,192 | $ | 7,989,746 | $ | 7,145,691 | ||||
| Income Before Income Tax Expense | $ | 2,156,164 | $ | 1,768,070 | $ | 6,199,415 | $ | 5,218,253 | ||||
| Provision For Income Tax | $ | 614,055 | $ | 499,565 | $ | 1,764,805 | $ | 1,474,323 | ||||
| Net Income | $ | 1,542,109 | $ | 1,268,505 | $ | 4,434,610 | $ | 3,743,930 | ||||
| Basic earnings per share | $ | 0.48 | $ | 0.39 | $ | 1.38 | $ | 1.17 | ||||
| Diluted earnings per share | $ | 0.48 | $ | 0.39 | $ | 1.38 | $ | 1.17 | ||||
| Financial Highlights | ||||||||||||
| As of 9/30/2025 | ||||||||||||
| Sep-2025 QTD | Sep-2024 QTD | Sep-2025 YTD | Sep-2024 YTD | |||||||||
| Key Financial Ratios | ||||||||||||
| Annualized Return on Average Equity | 13.32 | % | 12.39 | % | 13.32 | % | 12.69 | % | ||||
| Annualized Return on Average Assets | 1.36 | % | 1.08 | % | 1.34 | % | 1.06 | % | ||||
| Net Interest Margin | 3.79 | % | 3.08 | % | 3.66 | % | 2.96 | % | ||||
| Core Efficiency Ratio | 55.95 | % | 58.44 | % | 56.23 | % | 57.87 | % | ||||
| Net Chargeoffs/Recoveries to Average Loans | -0.00 | % | 0.00 | % | -0.01 | % | 0.000 | % | ||||
| 3 month ended Sep-2025 QTD Avg | 3 month ended Sep-2024 QTD Avg | Sep-2025 YTD Avg | Sep-2024 YTD Avg | |||||||||
| Average Balances | ||||||||||||
| (thousands, unaudited) | ||||||||||||
| Average assets | $ | 449,454 | $ | 466,891 | $ | 444,644 | $ | 472,470 | ||||
| Average interest-earning assets | $ | 423,017 | $ | 442,078 | $ | 418,872 | $ | 447,855 | ||||
| Average interest-bearing liabilities | $ | 223,314 | $ | 248,448 | $ | 225,404 | $ | 255,169 | ||||
| Average gross loans | $ | 210,494 | $ | 192,243 | $ | 208,374 | $ | 187,406 | ||||
| Average deposits | $ | 375,657 | $ | 344,433 | $ | 367,519 | $ | 335,191 | ||||
| Average equity | $ | 46,041 | $ | 40,630 | $ | 44,638 | $ | 39,297 | ||||
| Sep-2025 QTD | Dec-2024 YTD | |||||||||||
| Credit Quality | ||||||||||||
| Non-performing loans | $ | 827,155 | $ | 1,228,165 | ||||||||
| Non-performing loans to total loans | 0.39 | % | 0.60 | % | ||||||||
| Non-performing loans to total assets | 0.17 | % | 0.26 | % | ||||||||
| Allowance for credit losses to total loans | 2.20 | % | 2.25 | % | ||||||||
| Nonperforming assets as a percentage of total loans and OREO | 0.39 | % | 0.60 | % | ||||||||
| Allowance for credit losses to non-performing loans | 562.17 | % | 376.48 | % | ||||||||
| Other Period-end Statistics | ||||||||||||
| Shareholders equity to total assets | 9.65 | % | 9.15 | % | ||||||||
| Net Loans to Deposits | 53.27 | % | 57.36 | % | ||||||||
| Non-interest bearing deposits to total deposits | 47.99 | % | 47.77 | % | ||||||||
| Company Leverage Ratio | 11.59 | % | 10.40 | % | ||||||||
| Core Deposits / Total Deposits | 97.09 | % | 97.31 | % | ||||||||
Contact: Dann H. Bowman, President and CEO or Melinda M. Milincu, Senior Vice President and CFO, Chino Commercial Bancorp and Chino Commercial Bank, N.A., 14245 Pipeline Avenue, Chino, CA. 91710, (909) 393-8880.
FAQ
What were Chino Commercial Bancorp (CCBC) net earnings for Q3 2025?
How did CCBC deposits change as of September 30, 2025?
What was CCBC's earnings per share (EPS) for Q3 2025 and YTD Sep 30, 2025?
How did CCBC's loan quality look at September 30, 2025?
What drove CCBC's noninterest income growth in Q3 2025?
What balance-sheet impact did CCBC's new Corona branch have in Q3 2025?
