Chino Commercial Bank

What Chino Commercial Bank does

Chino Commercial Bank, N.A. is a national bank chartered in the United States, headquartered in Chino, California, and operating since September 2000. It serves small-to-medium-sized businesses, individual consumers, medical professionals, and non-profit organizations in Southern California's Inland Empire through five full-service branches in Chino, Ontario, Rancho Cucamonga, Upland, and Corona. The bank is a wholly-owned subsidiary of Chino Commercial Bancorp (OTCQB: CCBC), a holding company formed in July 2006.

The product portfolio spans deposit products (Classic, Premier, 55+, NOW, and Money Market checking; savings; CDs; traditional and Roth IRAs; kids savings), consumer and commercial lending (commercial real estate, SBA 504, term loans, secured and unsecured lines of credit up to $100K, accounts receivable and inventory financing, personal and home equity loans), digital banking (24/7 online banking, consumer mobile app, business mobile app, Zelle P2P, CardValet debit controls, Apple/Google/Samsung Pay), merchant services (Dejavoo and PAX POS terminals with TSYS Webpass, NMI, and Authorize.net gateways), and remote deposit capture. The underlying technology is a traditional core banking platform with API-level integrations to third-party payment and merchant processors rather than a proprietary technology stack.

Revenue is generated primarily through net interest income from loans and securities, supplemented by transaction and fee revenue from deposit accounts (service charges $10-$18/month), merchant payment processing, wire transfer and stop payment fees, and lending origination fees. As of Q1 2026, the bank reported $382.6M in total deposits (+3.4% QoQ), $234.9M in gross loans (+6.5% QoQ), $1.69M in net earnings (+24.7% YoY), EPS of $0.52, and a net interest margin of 4.15%, up 65 basis points year-over-year, with no loan delinquencies or credit losses. The bank has declared eight stock dividends since 2000, most recently a 20% stock dividend approved in May 2026.

Name

Chino Commercial Bank

Legal name

Chino Commercial Bank

Website

https://chinocommercialbank.com

Company type

Public

Founded year

2000

Operating status

Operating

Headcount range

51–100 employees

Short description

Chino Commercial Bank is a national bank subsidiary of Chino Commercial Bancorp (CCBC) that provides deposit, lending, and merchant services to small businesses, consumers, and medical professionals across five Inland Empire branches in Southern California.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Offices of Bank Holding Companies (551111)

SIC

National Commercial Banks (6021)

akta.pro primary industry

General SME & Middle-Market Commercial Banking (FSABABAA)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB), Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)

Keywords

• Community banking
• Commercial lending
• Retail deposits
• Merchant services
• Small business banking

Headquarters

HQ city

Chino

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Primary revenue from interest earned on loans (commercial, real estate, personal) and securities, offset by interest paid on deposits. Core banking revenue stream.
2. Non-Interest Income - Fee Services: Fees from account maintenance, wire transfers, stop payments, safe deposit boxes, notary services, night depository, and check ordering
3. Merchant Services: Payment processing services for retail businesses including point-of-sale terminals and transaction processing fees
4. Commercial Lending Fees: Origination fees, commitment fees, and other charges related to commercial and business lending activities
5. IRA and CD Services: Fees and interest spread from Individual Retirement Accounts and Certificate of Deposit products

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Chino Commercial Bank is a nationally chartered community bank operating five full-service branches in Southern California's Inland Empire (Chino, Ontario, Rancho Cucamonga, Upland, and Corona) that provides traditional banking products to individuals and small-to-medium businesses. Its core offerings include consumer deposit products (checking, savings, money market, IRAs, CDs), consumer loans (auto, home equity, personal lines), business checking and savings, commercial loans and commercial real estate financing, SBA 504 loans, online cash management, remote deposit capture, merchant card processing, and digital banking (online, mobile, Zelle, CardValet, Apple/Google/Samsung Pay).

Product overview

Chino Commercial Bank is a community-oriented regional bank offering a comprehensive suite of traditional banking products and services through five full-service branches in Southern California (Chino, Ontario, Rancho Cucamonga, Upland, and Corona). The bank's product portfolio centers on deposit products (checking, savings, money market, and certificate of deposit accounts), consumer and commercial lending, and digital banking services. Digital offerings include online banking, mobile banking apps, Zelle person-to-person payments, CardValet debit card management, and digital wallet support (Apple Pay, Google Pay, Samsung Pay). Business services encompass various business checking and savings accounts, business loans, commercial real estate financing, SBA loans, online cash management, business mobile banking, and remote deposit capture. Merchant services provide payment processing solutions with hardware terminals from Dejavoo and PAX. The bank also offers specialized services for medical professionals and IRA/retirement accounts. The overall architecture follows a traditional community bank model with products organized by customer segment (personal, business, merchant) rather than a unified platform-plus-modules structure.

Differentiator

Problem solved

Functional benefit

Brands

• Chino Commercial Bank Mobile App: Mobile banking application for personal banking customers
• Chino Commercial Bank Business Mobile App

Products and services

• Classic Checking Non-interest personal checking account with $500 opening balance, unlimited check writing, MasterMoney Debit Card, and a flat $10 monthly service charge. Targeted at individuals who want simple checking without interest.
• Premier Checking Interest-earning personal checking account with $12 monthly fee waived when customer maintains $800 daily or $1,200 average monthly balance. Includes Corp Image Checks at no charge.
• 55+ Checking Checking account designed for customers aged 55 and over with no minimum balance and no monthly service charge, unlimited check writing, and complimentary Corp Image Checks.
• NOW Checking Interest-bearing personal checking account with $1,500 minimum balance to avoid $18 monthly service charge, interest earned on balances of $1,500 or more, and unlimited check writing.
• Money Market Checking Personal market-rate interest account for balances of $2,500 or more, with $2,500 minimum to avoid $10 monthly fee and limited transaction access (charge for more than 6 debits per period).
• Personal Savings Account Traditional interest-bearing personal savings account with $300 minimum balance, variable rate interest compounded daily and credited quarterly, and limited transactions.
• Kids Savings Account Savings account for children with $50 opening balance, no service charge, that converts to a Personal Savings Account at age 18.
• Individual Retirement Account (IRA) Tax-advantaged retirement savings account with Traditional IRA and Roth IRA options, including CDs within IRA portfolios, FDIC insured up to $250,000.
• Certificate of Deposit Fixed-term savings product with FDIC insurance up to $250,000, $2,500 minimum opening balance, multiple maturities including short-term and 60-month options, and automatic renewal at maturity.
• Personal Loans Consumer lending products including auto loans, home equity lines of credit, home improvement loans, personal lines of credit, and MasterCard debit cards for individual borrowers.
• Online Banking 24/7 web-based banking platform for account balance checks, bill payment, fund transfers, transaction history, check image access, and e-statement enrollment for personal and business customers.
• Personal Mobile Banking App Free iOS and Android mobile app for personal banking customers providing account management, bill payment, check deposits via mobile capture, fund transfers, and branch/ATM location lookup.
• Zelle Person-to-person money transfer service integrated into online and mobile banking, enabling instant transfers to friends, family, and trusted contacts using email or mobile number with no fees.
• CardValet Mobile debit card management app allowing cardholders to set spending limits, location-based controls, merchant category restrictions, real-time transaction alerts, and card on/off toggling for fraud protection.
• Digital Wallet Support Contactless mobile payment support for debit cards via Apple Pay, Google Pay, and Samsung Pay at participating merchants.
• Basic Business Checking Non-interest small business checking account with $5,000 average monthly balance to avoid $15 monthly fee and transaction-based pricing for checks, ACH, deposits, and currency handling.
• Solutions Business Checking Business checking for higher transaction volume with $20,000 average minimum balance to avoid $20 monthly fee and higher transaction allowances (100 checks, 100 ACH, 25 deposits, $25,000 currency free per month).
• Analyzed Business Checking Analyzed business checking account for companies with high transaction volume, offering a monthly maintenance fee offset by an earnings credit to cover service charges, tailored to specific business needs.
• Community Service Checking Low-cost checking account designed for non-profit organizations with $100 opening balance and $50 minimum balance, allowing 4 deposits per month with up to 50 checks per deposit.
• Business Money Market Limited-transaction business savings account paying market-rate interest on balances over $2,500, with a $10 per item charge for more than 6 debits per statement period.
• Business Savings Account Traditional business savings account with $300 minimum balance and variable rate interest compounded daily and credited quarterly.
• Business Loans Commercial lending products including unsecured lines of credit ($10,000-$100,000), secured lines of credit, term loans, and SBA 504 loans for business expansion and operations.
• Commercial Real Estate Loans Financing solutions for commercial real estate investment, construction, development, and community redevelopment projects in Southern California markets.
• Commercial Lines of Credit Short-term revolving credit facilities for working capital, sales growth, accounts receivable financing, and seasonal inventory financing needs of local businesses.
• Accounts Receivable & Inventory Financing Asset-based working capital solutions using receivables or inventory as collateral to improve cash flow and support rapid business growth.
• Online Cash Management Web-based corporate cash management platform providing real-time balances, direct deposit payroll, ACH origination, wire transfers, fund transfers, tax payments, bill pay, and Positive Pay fraud protection for businesses.
• Business Mobile Banking Mobile banking app for iOS and Android tailored for business customers with account management, transaction viewing, fund transfers, mobile check deposit, and approval workflows for ACH and wire transfers.
• Remote Deposit Capture Electronic check deposit service enabling businesses to deposit checks by scanning them from any location, available 24/7 with faster funds availability and reduced courier costs.
• Medical Professional Accounts Specialized banking products for healthcare professionals, including medical professional accounts, practice loans, tenant improvements, acquisition financing, and working capital for medical practices.
• Merchant Services Payment processing solutions for retail, B2B, auto repair, and convenience store merchants including POS terminals, virtual terminal gateways (TSYS Webpass, NMI, Authorize.net), and hardware options from Dejavoo and PAX.

Quantifiable outcome

• 24.7% increase in net earnings (Q1 2026 vs Q1 2025)
• +4 more outcomes

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Zelle (Early Warning Services, LLC)coreTechnology or IntegrationChino Commercial Bank has partnered with Zelle to offer fast and easy person-to-person money transfers. Customers can send money directly from their account to enrolled recipients in minutes through online banking or mobile app. No fees for sending or receiving money with Zelle.
• Federal Deposit Insurance Corporation (FDIC)coreOthersChino Commercial Bank deposits are insured under the Federal Deposit Insurance Act up to applicable limits, providing government-backed deposit protection.
• Federal Reserve SystemcoreOthersBank is a member of the Federal Reserve System, providing access to Fed services and regulatory oversight.
• Federal Home Loan BankminorOthersBank is a member of the Federal Home Loan Bank for access to lending programs and liquidity.
• Office of the Comptroller of the CurrencycoreOthersThe bank is subject to periodic examinations of its operations and compliance by the OCC as a nationally chartered bank.

Scale indicators12 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Bank of Southern California (CalPrivate Bank): Similar-sized Southern California community bank serving small and mid-sized businesses with relationship-based banking, comparable product suite (deposits, CRE lending, treasury management), and overlapping Inland Empire / greater LA customer base.
• Suncrest Bank: California community bank of similar scale (~50-100 employees, sub-$500M deposits) focused on SMBs and consumers with personalized service; comparable product offerings and community-bank business model.
• CommerceWest Bank: Small publicly traded California community bank (~$1.4B assets) focused on small and mid-sized businesses; comparable SMB deposit and commercial lending focus, similar CRE exposure, and similar community-bank profile.
• American Business Bank: Los Angeles-based community bank focused exclusively on small to medium-sized businesses; comparable SMB relationship-banking model, similar CRE and commercial lending focus, and California market overlap.
• Pacific Mercantile Bancorp: California-based community bank of comparable size with CRE and SMB lending focus; similar deposit-funded balance sheet structure and SMB relationship model.

Broad incumbents

• First Foundation: Larger California community-focused bank with significantly broader product set (wealth management, mortgage, specialty finance); serves as a scaled comparable for the trajectory Chino Commercial Bank might pursue.
• CVB Financial (Citizens Business Bank): Inland Empire-headquartered community bank that has scaled to ~$15B+ in assets; offers a glimpse of how a community banking franchise in this exact market can be built out at scale, with comparable geographic focus.
• Heritage Commerce Corp: California-based community banking holding company of significantly larger scale; provides a benchmark for community-bank acquisition activity, SMB lending focus, and franchise economics.
• Pacific Premier Bancorp: Large California-based community bank holding company with significant CRE and SMB lending exposure; relevant comparable for asset-quality, NIM trajectory, and acquisition-driven growth playbook.

Regional players

• Bank of Marin Bancorp: California community bank operating primarily in Northern California with similar SMB and consumer relationship-banking focus; comparable operating model even though geographic footprint does not overlap.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCSEehOozevswzx94W9NWZXA
• Facebookfacebook.com/ChinoCommercialBank
• Instagraminstagram.com/ccb_banking
• LinkedInlinkedin.com/company/chinocommercialbank

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Chino Commercial Bank