Commerce West Bank
Total assets
$1.20B
▲ +1.3% YoY
Deposits
$1.06B
▲ +2.1% YoY
Loans
$769.4M
▼ -3.8% YoY
Offices
1
CW BCORP
ROA (annualized)
1.20%
peers 1.26%
ROE (annualized)
11.52%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Commerce West Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +5.5% | -4.2 pts |
| Deposit growth (YoY) | +2.1% | +5.1% | -2.9 pts |
| Loan growth (YoY) | -3.8% | +5.9% | -9.7 pts |
| ROA | 1.20% | 1.26% | -0.1 pts |
| ROE | 11.5% | 12.2% | -0.7 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
Profile
- Established
- 2001
- Charter
- State
- Primary regulator
- FED
- Holding company
- CW BCORP
- Specialization
- Commercial Lending Specialization
- Address
- 2445 Mccabe Way, Irvine, CA, 92614
- County
- Orange
- Metro area
- Los Angeles-Long Beach-Anaheim, CA
- Offices
- 1
- FDIC cert #
- 57176
- RSSD ID
- 3052813
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.20B | $1.06B | $769.4M | $129.2M | $7.8M | 1.20% | 2.94% | 0.80% |
| Q1 2026 | $1.24B | $1.09B | $765.5M | $138.6M | $4.0M | 1.17% | 2.84% | 0.84% |
| Q4 2025 | $1.49B | $1.33B | $785.1M | $140.1M | $14.1M | 1.10% | 2.96% | 0.56% |
| Q3 2025 | $1.13B | $977.7M | $797.7M | $135.4M | $10.2M | 1.10% | 3.06% | 0.76% |
| Q2 2025 | $1.18B | $1.03B | $799.7M | $134.8M | $7.0M | 1.09% | 2.92% | 0.73% |
| Q1 2025 | $1.15B | $1.01B | $790.8M | $131.3M | $3.4M | 1.03% | 2.84% | 0.63% |
| Q4 2024 | $1.49B | $1.35B | $781.6M | $127.2M | $14.9M | 1.20% | 2.94% | 0.43% |
| Q3 2024 | $1.18B | $1.03B | $740.5M | $128.8M | $10.5M | 1.19% | 3.00% | 0.48% |
Loan mix (Q2 2026): real estate $602.3M · commercial $100.9M · consumer $53.9M · securities $215.7M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Commerce West Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 1.26% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 12.2% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.70% | 13th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.8% | 59.0% | 18th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Commerce West Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Commerce West Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Commerce West Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Commerce West Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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