C3bank, National Association

BankEncinitas, California
www.C3bank.com

Total Assets

$996.2M

Total Deposits

$885.8M

Branches

5

Established

1984

TFS Health Grade

$
C+

77.8 / 100

Average financial health

How we grade

C3bank, National Association is a bank headquartered in Encinitas, California, established in 1984. With $996.2M in total assets and 5 branch locations, it has a TFS Financial Health Grade of C+ (77.8/100).

Capital & Safety

Tier 1 Capital Ratio
9.97%(8%)
Total Capital Ratio
17.04%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
1.19%(1%)
Return on Equity (ROE)
12.84%(10%)
Net Interest Margin
3.62%
Efficiency Ratio
53.10%(60%)

Lending & Liquidity

Total Loans
$607.5M
Loan-to-Deposit Ratio
67.66%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+4.81%
Deposit Growth (YoY)
+4.44%
Net Income
$11.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Other banks in California