Core Insights - Chino Commercial Bancorp reported a net earnings increase of 21.57% for Q3 2025, totaling $1.54 million compared to the same period last year [2] - The company achieved record levels in total deposits, total loans, revenue, earnings, and earnings per share during the third quarter [3] - The bank opened its fifth location in Corona, generating $20 million in new deposits shortly after its launch [4] Financial Performance - Year-to-date net earnings increased by 18.45% to $4.43 million, with earnings per share rising to $1.38 from $1.17 in the previous year [2] - Net interest income for Q3 2025 was $4.0 million, up from $3.4 million in Q3 2024, with a net interest margin of 3.79% compared to 3.08% in the prior year [6] - Non-interest income rose by 12.44% to $891.7 thousand, driven by higher service charges and fees, as well as a significant increase in merchant services processing revenue [7] Asset and Deposit Growth - Total assets reached $488.9 million, an increase of 4.8% from $466.7 million at the end of 2024 [4] - Total deposits rose by 10.7% to $386.0 million, with core deposits making up 97.09% of total deposits as of September 30, 2025 [4][12] - Gross loans increased by 2.7% to $210.8 million, with no delinquent loans reported at quarter-end [5] Expense and Taxation - General and administrative expenses totaled $2.8 million, up from $2.5 million in the same quarter last year, primarily due to increased salary and benefits [8] - Income tax expense for the quarter was $614.1 thousand, reflecting a 22.9% increase compared to the previous year [9] Financial Ratios - The annualized return on average equity improved to 13.32% from 12.39% year-over-year [13] - The core efficiency ratio decreased to 55.95% from 58.44%, indicating improved operational efficiency [14] - Non-performing loans as a percentage of total loans decreased to 0.39% from 0.60%, reflecting strong loan quality [14]

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 $1.54 million, reflecting an increase of $273.6 thousand, or 21.57%, compared to the same period last year. Basic and diluted earnings per share were $0.48 for the th ...