BlastPoint's Banking Scorecard
Community West Bank
Fresno, CA
43 branches across CA
Community West Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 52.3% in tier
- + Efficiency Ratio 5.59% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.7B
+4.2% YoY
+0.3% QoQ
|
+$881.5M |
$2.8B
-0.1% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
78% |
| Total Loans ? |
$2.5B
+8.6% YoY
+0.4% QoQ
|
+$556.0M |
$2.0B
+0.6% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
77% |
| Total Deposits ? |
$3.1B
+7.4% YoY
+1.6% QoQ
|
+$804.2M |
$2.3B
-0.3% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
79% |
| Return on Assets ? |
1.36%
+29.0% YoY
+15.0% QoQ
|
+0.00% |
1.37%
+19.6% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
61% |
| Net Interest Margin ? |
4.44%
+6.6% YoY
+2.6% QoQ
|
+0.63% |
3.82%
+6.9% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
Top 13.5% in tier |
| Efficiency Ratio ? |
55.47%
-12.5% YoY
-4.2% QoQ
|
-5.59% |
61.06%
-4.6% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
62% |
| Delinquency Rate ? |
0.91%
+205.3% YoY
+229.3% QoQ
|
+0.02% |
0.89%
+14.1% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
80.09%
+1.2% YoY
-1.2% QoQ
|
-4.12% |
84.20%
+0.3% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
33.44%
-3.4% YoY
-2.9% QoQ
|
+12.15% |
21.29%
-2.5% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Top 11.1% in tier |
| Nonperforming Asset Ratio ? |
0.62%
+218.3% YoY
+229.6% QoQ
|
-0.05% |
0.67%
+15.6% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
35% |
| Tier 1 Capital Ratio ? |
13.81%
+0.4% YoY
+0.8% QoQ
|
-1.35% |
15.16%
+2.0% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.06%
-2.8% YoY
-75.7% QoQ
|
-0.20% |
0.26%
+1.6% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.6% in tier |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.