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Chino Commercial Bancorp Q3 Net Income Rises 22% on Strong Loan Growth and Margin Expansion

BullishMedium impact
CCBC$18.75 1.35%

Chino Commercial Bancorp (OTC:CCBC) reported net income of $1.88 million for the third quarter of 2026, marking a 22% increase compared to the same period last year. Earnings per share rose to $0.49 from $0.40 a year earlier. The bank holding company saw its net interest margin widen to 4.20%, up from 3.78% in the third quarter of 2025. Shares of the company traded up 1.35% at $18.75 following the results.

The quarter was highlighted by growth across key balance sheet metrics. Total assets reached $543 million as of Sept. 30, 2026, while total deposits expanded 11.7% year-to-date to $413.4 million, with core deposits representing 97.5% of the total. Total loans increased 14.8% year-to-date to $253.2 million. Credit quality remained stable, with no delinquent loans recorded and three nonaccrual loans totaling $1.2 million.

Looking ahead, investors will watch whether the bank can maintain a net interest margin above 4% alongside continued loan growth and low credit losses as economic conditions evolve into 2027.

Key points

  • Q3 2026 net income increased 22% year-over-year to $1.88 million, or $0.49 per share.
  • Net interest margin expanded to 4.20% from 3.78% in the prior-year period.
  • Total loans grew 14.8% year-to-date to $253.2 million with no delinquent loans recorded.
  • Deposits reached $413.4 million as of Sept. 30, 2026, up 11.7% year-to-date.

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Questions and answers

What were Chino Commercial Bancorp's Q3 2026 earnings?

Chino Commercial Bancorp reported Q3 2026 net income of $1.88 million, or $0.49 per share, up 22% from $0.40 per share in the same period last year.

How much did Chino Commercial Bancorp's loans and deposits grow?

As of Sept. 30, 2026, total loans grew 14.8% year-to-date to $253.2 million, while deposits rose 11.7% year-to-date to $413.4 million.