BlastPoint's Banking Scorecard
Commerce West Bank
Designations: ✓ Community bank
Irvine, CA
Commerce West Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 14.93% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Net Interest Margin 0.97% below tier average
- - Delinquency Rate 0.47% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+8.1% YoY
-16.3% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
20% |
| Total Loans ? |
$765.5M
-3.2% YoY
-2.5% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 11.4% in tier |
| Total Deposits ? |
$1.1B
+8.5% YoY
-18.1% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
23% |
| Return on Assets ? |
1.17%
+13.9% YoY
+6.9% QoQ
|
-0.19% |
1.37%
+19.6% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
46% |
| Net Interest Margin ? |
2.84%
+0.2% YoY
-3.9% QoQ
|
-0.97% |
3.82%
+6.9% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
Bottom 11.9% in tier |
| Efficiency Ratio ? |
46.13%
-13.0% YoY
-11.1% QoQ
|
-14.93% |
61.06%
-4.6% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Top 12.6% in tier |
| Delinquency Rate ? |
1.36%
+48.0% YoY
+29.6% QoQ
|
+0.47% |
0.89%
+14.1% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
70.08%
-10.8% YoY
+19.0% QoQ
|
-14.12% |
84.20%
+0.3% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
27.09%
-16.1% YoY
+15.4% QoQ
|
+5.81% |
21.29%
-2.5% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.84%
+32.5% YoY
+51.0% QoQ
|
+0.16% |
0.67%
+15.6% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
25% |
| Tier 1 Capital Ratio ? |
17.98%
+7.3% YoY
+2.1% QoQ
|
+2.82% |
15.16%
+2.0% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
Top 11.8% in tier |
| Non-Interest Income / Assets ? |
0.08%
-28.0% YoY
-76.2% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
22% |
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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)
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Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.