Bank · FDIC insured
C3Bank
A $949.3M bank headquartered in Encinitas, CA, with 4 branches in 2 states. Best rates: CDs 3.50% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: no rate at the amounts we compare. Savings: carrot has not captured enough rates to score this yet. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—3.50%CD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About C3Bank
C3bank provides business and personal banking services in California and Tennessee, with a focus on commercial real estate lending.
- Headquarters
- 850 S Coast Highway 101, Encinitas, CA 92024
- FDIC certificate
- 25249 ↗
Branches
4 branches in 2 states
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California
3 branches
Encinitas area · 1
- C3bank, National AssociationMain office850 S Coast Highway 101, Encinitas, CA 92024Directions
Riverside area · 1
- Riverside Branch3727 Arlington Ave, Riverside, CA 92506Directions
San Marcos area · 1
- San Marcos1110 San Marino Dr, San Marcos, CA 92078Directions
Tennessee
1 branch
- Nashville Banking Center Branch615 9th Avenue South, Nashville, TN 37203Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.59% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.14% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $72 | $81 | — |
- CapitalLeverage ratio10.59%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.14%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$72Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of C3Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.