BlastPoint's Banking Scorecard
Commerce West Bank
Designations: ✓ Community bank
Irvine, 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 +2.1% year over year ($1.1B on the books).
- Delinquency rate 1.24%.
- Return on assets 1.20%.
- Efficiency ratio 47.75% vs a 59.73% peer average.
- Loan-to-deposit ratio 72.87% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Commerce West Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 11.97% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Net Interest Margin 0.93% below tier average
- - Delinquency Rate 0.38% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+1.3% YoY
-3.8% QoQ
|
-$1.6B |
$2.8B
-0.6% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
17% |
| Total Loans ? |
$769.4M
-3.8% YoY
+0.5% QoQ
|
-$1.2B |
$2.0B
-0.3% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
Bottom 11.8% in tier |
| Total Deposits ? |
$1.1B
+2.1% YoY
-3.3% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
20% |
| Return on Assets ? |
1.20%
+9.7% YoY
+1.9% QoQ
|
-0.19% |
1.39%
+17.0% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
45% |
| Net Interest Margin ? |
2.94%
+0.9% YoY
+3.6% QoQ
|
-0.93% |
3.87%
+6.2% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
Bottom 12.9% in tier |
| Efficiency Ratio ? |
47.75%
-7.3% YoY
+3.5% QoQ
|
-11.97% |
59.73%
-12.6% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
82% |
| Delinquency Rate ? |
1.24%
+15.7% YoY
-8.8% QoQ
|
+0.38% |
0.87%
+11.7% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
72.87%
-5.8% YoY
+4.0% QoQ
|
-12.16% |
85.04%
-0.1% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
28.17%
+0.1% YoY
+4.0% QoQ
|
+6.90% |
21.27%
-1.5% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.80%
+9.9% YoY
-4.8% QoQ
|
+0.12% |
0.67%
+11.7% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
16.46%
-2.2% YoY
-8.5% QoQ
|
+1.61% |
14.84%
-0.4% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.16%
-23.4% YoY
+107.4% QoQ
|
-0.37% |
0.53%
+2.5% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
22% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
28.2%
0.0pp YoY +1.1pp QoQ |
+6.8pp | 21.4% | 25.5% | 22.2% | 80% |
| Brokered Deposits | n/a | n/a | 9.5% | 11.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.1%
-1.2pp YoY -0.1pp QoQ |
-0.9pp | 14.0% | 11.8% | 12.5% | 60% |
| CRE |
56.1%
+1.0pp QoQ |
+6.0pp | 50.0% | 67.5% | 41.4% | 66% |
| 1-4 Family |
21.8%
-0.5pp YoY -0.8pp QoQ |
-4.7pp | 26.4% | 16.5% | 31.3% | 46% |
| Consumer |
7.0%
-0.6pp YoY -0.2pp QoQ |
+2.3pp | 4.7% | 5.3% | 5.0% | 86% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.5%
-0.4pp YoY -1.5pp QoQ |
+0.9pp | 15.6% | 23.7% | 19.7% | 80% |
| Leverage Ratio |
11.1%
-1.5pp YoY -0.7pp QoQ |
-0.2pp | 11.3% | 14.5% | 12.6% | 62% |
| Total Capital Ratio |
17.7%
-0.4pp YoY -1.5pp QoQ |
+1.0pp | 16.7% | 25.1% | 20.8% | 80% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
83
+2 (+2.5%) YoY +4 (+5.1%) QoQ |
-231 | 313 | 337 | 482 | 4% |
| Assets per Employee ($) |
$14.4M
-1.1% YoY -8.4% QoQ |
+$3.9M | $10.5M | $11.3M | $8.8M | 88% |
| Branch Count |
1
0 YoY 0 QoQ |
-19 | 20 | 15 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual |
1.2%
+0.2pp YoY -0.1pp QoQ |
+0.4pp | 0.8% | 1.4% | 1.0% | 80% |
| Allowance Coverage |
1.07x
-19.5% YoY +6.1% QoQ |
-17.64x | 18.71x | 17.11x | 20.23x | 27% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY +0.1pp QoQ |
-0.2pp | 0.3% | 0.3% | 0.2% | 64% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.5%
+0.9pp YoY 0.0pp QoQ |
-1.1pp | 12.6% | 8.2% | 11.6% | 45% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY +0.1pp QoQ |
-0.4pp | 1.9% | 1.9% | 1.7% | 22% |
| Net Income ($, YTD) |
$7.8M
+12.7% YoY — QoQ |
-$11.4M | $19.2M | $28.5M | $40.4M | 29% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.