8-K

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934

October 27, 2003
(Date of earliest event reported)

COMMERCIAL CAPITAL BANCORP, INC.
(Exact name of registrant as specified in its charter)

Nevada	000-50126	33-0865080
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

One Venture, 3rd Floor, Irvine, California	92618
(Address of principal executive offices)	(Zip Code)

(949) 585-7500
(Registrant’s telephone number, including area code)

Not Applicable
(Former name, former address and former fiscal year, if changed since last report)

Item 7.    Financial Statements, Pro Forma Financial Information and Exhibits

    (a)        Not applicable.

    (b)        Not applicable.

    (c)        The following exhibit is included with this Report:

        Exhibit 99.1 Slide presentation dated October 27, 2003.

Item 12.    Other Events and Required FD Disclosure

        On October 27, 2003, Commercial Capital Bancorp, Inc. (the “Company”) conducted a conference call discussing its earnings for the quarter ended September 30, 2003, incorporating a slide presentation. A copy of the slide presentation is attached hereto as Exhibit 99.1.

SIGNATURE

        Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

COMMERCIAL CAPITAL BANCORP, INC.


By: /s/ Stephen H. Gordon
——————————————————
Stephen H. Gordon
Chairman of the Board and
Chief Executive Officer

Date: October 27, 2003

EX-99.1

This presentation may include forward-looking statements (related to the
plans, beliefs and goals of CCBI and its subsidiaries), which involve certain
risks and uncertainties that could cause actual results to differ materially from
those in the forward-looking statements. Such risks and uncertainties include,
but are not limited to, the following factors: competitive pressure in the
banking industry; changes in the interest rate environment; the health of the
economy, either nationally or regionally; the deterioration of credit quality,
which would cause an increase in the provision for possible loan and lease
losses; changes in the regulatory environment; changes in business conditions,
particularly in California real estate; volatility of rate sensitive deposits;
asset/liability matching risks and liquidity risks; and changes in the securities
markets.  CCBI undertakes no obligation to revise or publicly release any
revision to these forward-looking statements.

Regulation FD

CCBI Highlights

Financial Position

September 30, 2003

Total Assets

$1.45 billion

Loans Held for Investment

$857 million

Deposits

$566 million

Equity

$96 million

Tangible Equity

$83 million

Quarter Ended

Quarter Ended

Financial Results

09/30/2003

09/30/2002

Net Income

$5.4 million

$2.6 million

Return on Average Equity

23.84%

29.19%

Return on Average Assets

1.58%

1.45%

Net Interest Margin

3.32%

3.26%

Efficiency Ratio

27.55%

35.32%

Total Loan Originations

$331 million

$189 million

($ in millions)

Record Total Loan Originations

($ in millions)

Core Loan Originations

Core Loan Originations Retained

($ in millions)

Record Growth in Loans Held for Investment

(1) AGR – Annual Growth Rate: 9/02 to 9/03

Loan Portfolio Mix

Consistent Underwriting

Asset Quality of Multi-family Loans

Non-Accrual Loans/

Nationwide

Total Loans

(1)

Multi-family

0.19%

Single family

0.84%

Commercial Real Estate

1.14%

Construction

1.15%

Business Loans

1.96%

Consumer

0.66%

Multi-family Loans

CCBI

0.00%

Western Region Thrifts

0.13%

Nationwide Thrifts

0.19%

(1) Based upon 6/30/03 Thrift Financial Reports for nationwide savings institutions

($ in millions)

Loans to Securities Mix

($ in millions)

Balance Sheet Transition

(1) AGR – Annual Growth Rate: 9/02 to 9/03

($ in millions)

(1) AGR – Annual Growth Rate: 9/02 to 9/03

Deposit Growth

Deposit Composition

at 9/30/2002

Deposit Composition

at 9/30/2003

 43%  Certificates of Deposit

Maturing Deposit Mix

  ‹1%  Savings Accounts

   2%  Demand Deposits

 55%  Money Market

51%  Certificates of Deposit

  1%  Savings Accounts

  2%  Demand Deposits

46%  Money Market

FHLB Advances to Repo Mix

Cost of Funds

Net Interest Margin

($ in millions)

Net Interest Income

(1) AGR – Annual Growth Rate: 9/02 to 9/03

Noninterest Income to Total Revenue

Total Revenue Composition

($ in millions)

(1) AGR – Annual Growth Rate: 9/02 to 9/03

G&A to Average Assets

Efficiency Ratio

Return on Average Assets

Return on Average Equity

($ in millions)

Quarterly Net Income

(1) AGR – Annual Growth Rate: 9/02 to 9/03

Diluted Earnings per Share

(1) AGR – Annual Growth Rate: 9/02 to 9/03

Consolidated Capital Ratios

Bank Capital Ratio

Growing Franchise Presence

Northern California

Loan Offices

    Sacramento

    Corte Madera (Marin County)

    Burlingame

    Oakland

Southern California

Loan Offices

    Woodland Hills

    Encino (Opened Aug. ’03)

    West Los Angeles

Banking Offices

    Rancho Santa Margarita

    Riverside

Banking & Loan Offices

     Irvine (Headquarters)

     La Jolla (Opened Sept. ’03)

CCB was the fastest growing bank in California over
the 36 months ended 6/30/03, (source www.fdic.gov).

4^th largest multi-family originator in CA with 2.7%
market share for the 12 months ended 6/30/03,(source:
Dataquick Information Systems).

Consistent High Quality Growth