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

NOVEMBER 13, 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 5. Other Events and Required FD Disclosure

              On November 13, 2003, Commercial Capital Bancorp, Inc. (the “Company”) filed with the Securities and Exchange Commission presentation slides, which are attached as Exhibit 99.1 to this Form 8-K. The executive officers of the Company intend to utilize these presentation slides, in addition to the presentation materials filed on October 27, 2003, in whole or in part, at presentations made by executive officers of the Company in meetings with analysts and investors throughout the fiscal quarter ending December 31, 2003.

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  Presentation

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: November 13, 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

Platform Supports Strategy

CCBI Overview

Diversified Financial Services Company Based in
Irvine, California

Uniquely focused business strategy

Attractive client base

Strong organic growth

Pristine asset quality

Business Strategy

Focused on financial needs of income property investors, middle-market
businesses, high net-worth individuals and professionals

Integrate borrower and depositor, expand relationship banking:

Income property real estate investors

1031 exchange accommodators

Title / escrow companies

Businesses & business owners

High net-worth private clients

Continue core asset origination strategy to support broader business
objectives:

Grow balance sheet and net interest income by originating high quality multi-family loans

Invest excess liquidity and equity in U.S. Government / Agency MBS

Expand organically: consider opening branches in locations with high
concentrations of existing franchise borrower and depositor clients

Irvine

Rancho Santa Margarita

Riverside

La Jolla

Attractive Multi-family Market

California is the largest multi-family market in the U.S., with over 2.5 million units

   Los Angeles 2^nd highest & San Diego 3^rd highest percentage of renters behind New York City*

6 of the top 10 U.S. markets are in California**

   Los Angeles, San Francisco, San Diego, San Jose, Oakland & Orange County

Supply constrained by:

  lack of land

  down zoning

  building restrictions

  significant portion of California market is rent controlled

  35,000+ loans originated in California with avg. size of $667,000 (10/02 – 9/03)***

  2 largest originators comprise 28% of market ***

  900+ lenders account for remaining 72% of market

*source: U.S. Census Data & National Multi Housing Council       **source: National Multi Housing Council    ***source: DataQuick,

Portfolio LTV and DCR

Multi-Family

Loan to Value 68.5%

Debt Coverage Ratio1.29:1

Commercial RE

Loan to Value 65.2%

Debt Coverage Ratio1.40:1

Values are weighted average ratios, at origination, for the Company’s

Sept. 30, 2003 loan portfolio.

Stockholders’ Equity

Book Value per Share

Stock Performance
Dec. 18,  2002 – Nov. 4, 2003