Commercial Capital Bancorp, Inc. Adopts Overhead Reduction Strategy

Commercial Capital Bancorp, Inc. (the "Company")
(NASDAQ:CCBI) announced today that it had adopted, and immediately
began implementing at the end of the first quarter of 2006, a
Company-wide overhead reduction strategy with the goal of reducing
total general & administrative expenses. The overhead reduction
strategy includes reduction in staffing, and other operating expenses.
As a direct result of the immediate implementation of certain
components of the strategy, the Company will recognize one-time
severance and other compensation related costs of approximately
$850,000, pretax, in the first quarter of 2006. It is anticipated that
the Company will begin to realize benefits of the initial expense
reductions immediately at the start of the second quarter of 2006,
with further expected expense savings being realized as the plan is
fully implemented. The overhead reduction strategy was designed to
have no impact on areas within the Company that either generate
revenues or manage internal controls.

   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, North American Exchange Company and
Lawyers Asset Management brand names.

   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.