Calnet Business Bank Stockholders Approve the Plan of Merger and Acquisition by Commercial Capital Bancorp, Inc.

Commercial Capital Bancorp, Inc. (the "Company")
(NASDAQ:CCBI) announced today that the stockholders of Calnet Business
Bank, NA ("Calnet") approved the acquisition and plan of merger by the
Company. The Company previously announced that it had entered into a
definitive agreement to acquire Calnet, which transaction was subject
to the approval of Calnet shareholders and the Office of Thrift
Supervision ("OTS"), the Company's regulators.
   Commercial Capital Bancorp, Inc. is a diversified financial
services company with $5.46 billion of total assets, at December 31,
2005. The Company provides depository and lending products and
services under the Commercial Capital Bank brand name, and provides
1031 exchange services to income property investors nationwide under
the TIMCOR Exchange Corporation and North American Exchange Company
brand names.
   At December 31, 2005, Calnet had total assets of $176.6 million,
total deposits of $152.9 million, total loans of $107.4 million and
total shareholders equity of $22.7 million. Calnet conducts its
Greater Sacramento Valley deposit gathering and lending business from
a single location in Sacramento. Calnet's lending programs focus on
commercial real estate, construction and business loans within the
Greater Sacramento Valley of California. During the fourth quarter of
2005, Calnet's cost of funds, which includes noninterest-bearing
deposits, was 1.1%, and its net interest margin was 5.70%.
   This press release may include forward-looking statements related
to the Company's plans, beliefs and goals, 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. The Company undertakes
no obligation to revise or publicly release any revision to these
forward-looking statements.