BlastPoint's Banking Scorecard

Community West Bank

$1B-$10B Specialty: Commercial CA FDIC cert 23030

Fresno, CA

41 branches across CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
Deposits +37.7% year over year ($4.1B on the books).
Delinquency rate 0.57%.
Return on assets 0.88%.
Efficiency ratio 59.36% vs a 59.73% peer average.
Loan-to-deposit ratio 84.68% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in CA

View $1B-$10B leaderboard (CA) →

Community West Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 26.2% in tier
+ Efficiency Ratio 0.37% below tier average
+ Delinquency Rate 0.30% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 57.6% in tier

Get updates when Community West Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$5.0B +40.6% YoY +35.9% QoQ	+$2.2B	$2.8B -0.6% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	Top 14.4% in tier
Total Loans ?	$3.5B +47.4% YoY +38.6% QoQ	+$1.5B	$2.0B -0.3% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	Top 14.8% in tier
Total Deposits ?	$4.1B +37.7% YoY +31.1% QoQ	+$1.8B	$2.3B -0.5% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	Top 14.1% in tier
Return on Assets ?	0.88% -14.3% YoY -35.6% QoQ	-0.52%	1.39% +17.0% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	21%
Net Interest Margin ?	4.79% +13.2% YoY +7.7% QoQ	+0.91%	3.87% +6.2% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	Top 7.8% in tier
Efficiency Ratio ?	59.36% -2.9% YoY +7.0% QoQ	-0.37%	59.73% -12.6% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	49%
Delinquency Rate ?	0.57% +98.1% YoY -38.0% QoQ	-0.30%	0.87% +11.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	47%
Loan-to-Deposit Ratio ?	84.68% +7.0% YoY +5.7% QoQ	-0.35%	85.04% -0.1% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	56%
Non-Interest-Bearing Deposit Share ?	35.32% +2.1% YoY +5.6% QoQ	+14.04%	21.27% -1.5% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Top 8.0% in tier
Nonperforming Asset Ratio ?	0.56% +193.5% YoY -10.6% QoQ	-0.12%	0.67% +11.7% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	40%
Tier 1 Capital Ratio ?	12.93% -6.5% YoY -6.3% QoQ	-1.91%	14.84% -0.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	48%
Non-Interest Income / Assets ?	0.12% -3.6% YoY +91.1% QoQ	-0.41%	0.53% +2.5% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	Bottom 12.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Noninterest-Bearing	35.3% +0.7pp YoY +1.9pp QoQ	+13.9pp	21.4%	25.5%	22.2%	92%
Brokered Deposits	8.8% -3.9pp YoY -5.1pp QoQ	-0.7pp	9.5%	11.0%	8.5%	64%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	7.3% +0.8pp YoY +0.5pp QoQ	-6.7pp	14.0%	11.8%	12.5%	30%
CRE	64.2% +1.0pp YoY -0.4pp QoQ	+14.2pp	50.0%	67.5%	41.4%	82%
1-4 Family	10.1% +3.9pp YoY +3.9pp QoQ	-16.3pp	26.4%	16.5%	31.3%	17%
Consumer	12.9% -5.2pp YoY -3.8pp QoQ	+8.2pp	4.7%	5.3%	5.0%	91%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	12.9% -0.9pp YoY -0.9pp QoQ	-2.7pp	15.6%	23.7%	19.7%	40%
Leverage Ratio	11.0% -0.3pp YoY -0.5pp QoQ	-0.3pp	11.3%	14.5%	12.6%	60%
Total Capital Ratio	14.2% -0.7pp YoY -0.7pp QoQ	-2.5pp	16.7%	25.1%	20.8%	42%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	417 +75 (+21.9%) YoY +90 (+27.5%) QoQ	+103	313	337	482	79%
Assets per Employee ($)	$12.0M +15.3% YoY +6.6% QoQ	+$1.6M	$10.5M	$11.3M	$8.8M	78%
Branch Count	43 +14 (+48.3%) YoY +14 (+48.3%) QoQ	+23	20	15	18	91%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	0.6% +0.3pp YoY -0.3pp QoQ	-0.3pp	0.8%	1.4%	1.0%	54%
Allowance Coverage	2.55x -39.9% YoY +93.9% QoQ	-16.16x	18.71x	17.11x	20.23x	58%
Net Charge-off Rate (YTD)	0.4% +0.4pp YoY +0.4pp QoQ	+0.1pp	0.3%	0.3%	0.2%	88%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	6.7% -1.6pp YoY -3.9pp QoQ	-5.9pp	12.6%	8.2%	11.6%	14%
Cost of Funds (YTD)	1.4% -0.1pp YoY 0.0pp QoQ	-0.6pp	1.9%	1.9%	1.7%	15%
Net Income ($, YTD)	$18.1M 0.0% YoY — QoQ	-$1.1M	$19.2M	$28.5M	$40.4M	66%

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12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#22 of 80 • Top 26.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 35.32%

(Tier: 21.27%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.79%

(Tier: 3.87%, National: 3.95%)

better than tier avg

80 of 80 Mid-Market banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Margin Compression

decline

#50 of 85 • Bottom 57.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.88%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

85 of 85 Mid-Market banks match · 413 nationally

→ Stable +8 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

Net Interest Margin

profitability

Value: 4.79%

Peer Median: 3.87%

#70 of 885 Top 7.8% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 35.32%

Peer Median: 21.27%

#72 of 885 Top 8.0% in $1B-$10B

126

Total Deposits

size

Value: $4.13B

Peer Median: $2.32B

#126 of 885 Top 14.1% in $1B-$10B

128

Total Assets

size

Value: $5.02B

Peer Median: $2.79B

#128 of 885 Top 14.4% in $1B-$10B

132

Total Loans

size

Value: $3.49B

Peer Median: $1.96B

#132 of 885 Top 14.8% in $1B-$10B

Top Weaknesses (2 metrics)

777

Non-Interest Income / Assets

revenue_mix

Value: 0.12%

Peer Median: 0.53%

#777 of 885 Bottom 12.3% in $1B-$10B

697

Return on Assets

profitability

Value: 0.88%

Peer Median: 1.39%

#697 of 885 Bottom 21.4% in $1B-$10B