8-K

UNITED STATES
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 24, 2005
Date of Report (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.)

8105 Irvine Center Drive, 15th Floor, Irvine, California  92618
(Address of principal executive offices)    (Zip Code)

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

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 2.02: Results of Operations and Financial Condition.

On October 24, 2005, Commercial Capital Bancorp, Inc. (the “Company”), (NASDAQ: “CCBI”), announced its earnings for the third quarter ended September 30, 2005. The Company will host a conference call on October 24, 2005 at 7:00 a.m. PT that will utilize a slide presentation, a copy of which is attached hereto as Exhibit 99.1.

Item 9.01: Financial Statements and Exhibits.

(a)	Not applicable.
(b)	Not applicable.
(c)	The following exhibit is included with this Report:
	Exhibit 99.1 Slide Presentation dated October 24, 2005.

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 24, 2005

EX-99.1

Third Quarter 2005
Earnings Call

NASDAQ: CCBI October 24, 2005

Regulation FD

This presentation may include forward-looking statements related to the plans, beliefs and goals of the Company, 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; changes in the securities markets. The Company undertakes no obligation to revise or publicly release any revision to these forward-looking statements.

2

Earnings Performance

* Excluding costs associated with the Bank’s Commercial Banking Division of $2.9 million, of which $1.2 million is associated with compensation expense and $1.7 million is associated with professional expense.

3

Net Interest Margin

4

Net Interest Margin

5

Profitability Ratios

* Excluding costs associated with the Bank’s Commercial Banking Division of approximately $2.9 million.

6

Profitability Ratios

* Excluding costs associated with the Bank’s Commercial Banking Division of approximately $2.9 million.

7

Profitability Ratios

* Excluding costs associated with the Bank’s Commercial Banking Division of approximately $2.9 million.

8

Profitability Ratios

* Excluding costs associated with the Bank’s Commercial Banking Division of approximately $2.9 million.

9

Balance Sheet

10

Strong Loan Fundings

11

Strong Loan Fundings

12

LTV and DCR of
Third Quarter 2005 Fundings Multi-family 66.3% 1.19 : 1 Commercial RE 58.8% 1.43 : 1 Values are weighted average ratios, at funding.

13

Historical and Forecasted 12-MAT

Commercial Capital Bank 12 MAT Calculation and Forecast Actual Forecast Month 1yr CMT Jul-05 Aug-05 Sep-05 Oct-05 Nov-05 Dec-05 Jan-06 Feb-06 Mar-06 Apr-06 May-06 Jun-06 Jul-04 2.10 Aug-04 2.02 Sep-04 2.12 2.23 Nov-04 2.50 2.67 Dec-04 Jan-05 Feb-05 Mar-05 2.86 3.03 3.30 3.32 3.33 3.36 3.64 3.87 3.85 Apr-05 May-05 4.13 4.13 4.13 4.13 4.13 4.13 4.13 4.13 4.13 ** ** ** Jun-05 Jul-05 Aug-05 Sep-05 Oct-05 Nov-05 Dec-05 Jan-06 Feb-06 Mar-06 Apr-06 May-06 Total Avg 2.737 2.865 3.019 3.163 3.322 3.458 3.579 3.685 3.777 3.846 3.913 3.980 **12 MAT Calculation and Forecast Based upon Estimated Current Month Average of the 1yr CMT Forecast Assumption: October Month Average of CMT is 4.13 as of 10/20/2005 14

Changing Deposit Mix

15

Bank Deposit Composition

16

Changing Borrowing Mix

17

Capital Ratios

18

Capital Ratios

19

Bank Capital Ratio

20

Per Share Data

21

Per Share Data

22

Operating Performance

23

Operating Performance

24

Operating Performance

25

Operating Performance Ratios

* Excluding costs associated with the Bank’s Commercial Banking Division of approximately $2.9 million.

26

Operating Performance Ratios

* Excluding costs associated with the Bank’s Commercial Banking Division of approximately $2.9 million.

27

Earnings Performance

* Excluding costs associated with the Bank’s Commercial Banking Division of approximately $2.9 million.

28

Third Quarter 2005
Earnings Call

NASDAQ: CCBI

October 24, 2005