B
C3bank, National Association
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings C3bank, National Association
Encinitas, CA
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Rating B
Asset Quality Index 9.00
Capitalization Index 7.80
Liquidity Index 2.90
Profitability Index 6.90
Stability Index 6.30
Company Info C3bank, National Association
Encinitas, CA
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FDIC Number 25249
Phone Number (760) 759-1130
Website www.c3bank.com
Asset Quality C3bank, National Association
Encinitas, CA
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1-Year Asset Growth 15.42%
5-Year Asset Growth 33.35%
5-Year Charge-Offs to Average Loans -0.04%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet C3bank, National Association
Encinitas, CA
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Total Assets 934.02M
Total Deposits 825.62M
Capital and Reserves C3bank, National Association
Encinitas, CA
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Capital 89.18M
Leverage Ratio 9.55
Loan Loss Reserves to Loans 1.36%
Risk-Based Capital Ratio 17.36
Liquidity C3bank, National Association
Encinitas, CA
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Hot Money Ratio 11.81%
Liquidity Ratio 35.72%
Profitability C3bank, National Association
Encinitas, CA
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5-Year Return on Average Assets 1.34%
Net Income 8.39M
Net Interest Spread 3.58%
Operating Profit to Average Assets 1.69%
Overhead Efficiency Ratio 53.45%
Return on Assets 1.19%
Return on Equity 12.81%