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2010 Most Successful Earnings Year in County Commerce Bank's History

The Bank's loan portfolio increased to $101,429,000 at year end, compared to $96,593,000 for 2009, an increase of 5.01%. The Bank is focused on building and maintaining a quality loan portfolio. The Bank's excellent liquidity position allows it to continue lending to local businesses and individuals, which strengthens the local community and its economy. With the recapitalization of some peer banks, the competition for loans has intensified. County Commerce Bank is known for its skill in structuring loans that will give its clients the most credit possible with realistic repayment terms. This philosophy of lending has been a critical element that has kept the bank from having to recapitalize and dilute the Bank's shareholders' equity.

From December 31, 2009 to December 31, 2010, the Bank increased its Allowance for Loan and Lease Losses by $735,000 or 37.98% to $2,670,000 as an abundance of caution. This positions the Bank's percentage of Loan Loss Reserves to total loans well above the national average for banks.

The announcement was made by Joseph D. Kreutz, President and Chief Executive Officer: "I am more than pleased, particularly in these challenging economic times, that the Bank finished 2010 with a 20.84% increase in profit while increasing ALLL by 37.98% and maintaining a healthy balance sheet." Kreutz further added, "I am grateful that the Bank is so well positioned, with a high quality loan portfolio, loyal shareholders, a customer base of strong relationships and an incredibly talented and dedicated staff. I can't thank the Board of Directors enough for their leadership that has brought the Bank to its current strong position."

Selected Financial Highlights and Awards as of December 31, 2010:

• Return on average equity (annualized) at 8.76%.
• Allowance for Loan and Lease Losses at 2.63% of total loans.
• Tier 1 Capital Ratio at 8.36%; above 5.00% is deemed "Well Capitalized" by FDIC.
• Super Premier Performing Bank or Premier Performing Bank by Findley Reports for the last six consecutive years.
• Five-Star "Superior" rating by BauerFinancial, Inc., for more than 23 consecutive quarters.
• Recognized by U.S. Banker's magazine as one of the Top 200 Community Banks out of 8,000 banks in the nation based on three year average ROE.

ABOUT COUNTY COMMERCE BANK

County Commerce Bank was founded by local professionals and business leaders in Ventura County and completed its initial public offering of stock on January 21, 2003. The Bank opened for business at 3260 Telegraph Road, Ventura, California on February 13, 2003 and opened its second branch located at 2400 E. Gonzales Road, Oxnard on April 30, 2007. County Commerce Bank provides financial solutions for local professionals and small businesses, offering its customers state of the art technology along with a traditional, personalized banking experience. County Commerce Bank stock is traded on the Over the Counter Bulletin Board (OTCBB); our Ticker Symbol is CNYB.

County Commerce Bank's stock is traded through Market Maker:
Stone & Youngberg, LLC
Community Bank Group
Michael R. Natzic, Senior Vice President/Branch Manager
Member FINRA - Member SIPC
P.O. Box 1688
Big Bear Lake, CA 92315
(800) 288-2811

The Bank's web site is www.CountyCommerceBank.com.

Statements concerning future performance, developments or events concerning expectations for growth and market forecasts, and any other guidance on future periods, constitute forward looking statements that are subject to a number of risks and uncertainties. Actual results may differ materially from stated expectations. Specific factors include, but are not limited to, the effect of interest rate changes, the ability to control costs and expenses, the impact of consolidation in the banking industry, financial policies of the United States government, and general economic conditions.

County Commerce Bank
Joseph D. Kreutz, (805) 477-7601