Chino Commercial Bancorp (OTC: CCBC) has concluded its fiscal year 2025 with a robust financial performance, announcing record-breaking results that underscore a period of significant growth and strategic expansion. The company reported consolidated net earnings of $5.84 million for the year ended December 31, 2025, marking a substantial 13.74% increase compared to the prior year. This strong earnings growth translated into a notable rise in diluted Earnings Per Share (EPS), which climbed to $1.82 from $1.60 in 2024, representing an impressive 13.75% uptick.
The fourth quarter of 2025 also demonstrated positive momentum, with net earnings reaching $1.41 million, corresponding to an EPS of $0.44. This quarterly performance contributed to the bank’s overall upward trajectory, reflecting healthy operational efficiency and a growing balance sheet.
Chino Commercial Bancorp’s asset base expanded by 5.9% to $494.2 million, driven by a consistent inflow of deposits and a targeted loan origination strategy. Total deposits saw a healthy increase of 6.1%, reaching $370.2 million, with core deposits constituting a significant 97.0% of this total. This high proportion of stable, non-interest-bearing or low-interest-bearing deposits is a key indicator of customer trust and a strong foundation for lending activities.
The bank’s loan portfolio also experienced significant growth, with gross loans rising by 7.5% to $220.6 million. This expansion was supported by a prudent approach to credit risk, as evidenced by the bank’s strong credit quality metrics. As of year-end 2025, Chino Commercial Bancorp reported no delinquent loans and only three non-performing loans on non-accrual status, a marked improvement from five such loans at the end of 2024. This low level of non-performing assets suggests effective risk management and underwriting practices.
A significant development during 2025 was the successful launch of the bank’s fifth branch in Corona. This strategic expansion has already yielded tangible results, with the new branch accumulating $13.4 million in deposits and $12.3 million in loans by the end of the year. This demonstrates the bank’s capacity to penetrate new markets and attract a solid customer base.
The bank’s Merchant Services program continues to be a strong contributor to its non-interest income. In 2025, this segment processed approximately $60 million in payments, a testament to the growing adoption of its payment processing solutions by local businesses. The fourth quarter of 2025 saw a remarkable 107% year-over-year surge in merchant revenue, reaching $277,302, signaling accelerating demand and market traction in this vital service area. This growth in merchant services not only diversifies revenue streams but also deepens relationships with the business community, potentially leading to further cross-selling opportunities.
From an operational perspective, the bank’s Net Interest Margin (NIM) for the fourth quarter of 2025 stood at a healthy 3.81%. This indicates a favorable spread between the interest income generated from its assets and the interest paid on its liabilities. While the NIM saw an increase from 3.44% in the prior year’s fourth quarter, it’s important to note the slight increase in salary and benefits expense, which rose by 12.5% to $1.8 million in Q4 2025. This rise, though noticeable, is often associated with strategic investments in personnel to support growth initiatives and maintain service quality.
The bank’s strategic focus on enhancing its product offerings and expanding its physical footprint, coupled with a commitment to sound financial management and credit discipline, positions it well for continued success in the dynamic regional banking landscape. The consistent growth in assets, deposits, and loans, alongside strong profitability and an expanding merchant services division, paints a promising picture for Chino Commercial Bancorp.
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