BlastPoint's Banking Scorecard
Community West Bank
Community
Specialty: Commercial
CA
FDIC cert 23030
Fresno, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Community West Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 62% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.7B
+4.7% YoY
+2.1% QoQ
|
+$2.3B |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$2.5B
+8.8% YoY
+3.7% QoQ
|
+$1.5B |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$3.1B
+6.4% YoY
+0.7% QoQ
|
+$1.9B |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
1.18%
+169.2% YoY
+5.7% QoQ
|
+0.02% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
4.33%
+5.0% YoY
+0.7% QoQ
|
+0.66% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
57.89%
-19.8% YoY
-2.1% QoQ
|
-4.74% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
0.28%
-23.8% YoY
-5.1% QoQ
|
-0.35% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
81.07%
+2.2% YoY
+3.0% QoQ
|
-2.00% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
34.45%
+2.2% YoY
-3.0% QoQ
|
+13.40% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.19%
-20.9% YoY
-3.7% QoQ
|
-0.31% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
13.70%
+1.2% YoY
-1.5% QoQ
|
+3.45% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.25%
-8.7% YoY
+29.0% QoQ
|
-0.49% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#93 of 150 · Top 62% in Community
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:
34.45%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.33%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Total Assets
Current: $3.7B · Tier avg: $1.4B
95
95th pctile
Total Deposits
Current: $3.1B · Tier avg: $1.2B
94
94th pctile
Total Loans
Current: $2.5B · Tier avg: $975.5M
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.45% · Tier avg: 21.05%
82
82th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.66%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.70% · Tier avg: 10.24%
64
64th pctile
Efficiency Ratio
Current: 57.89% · Tier avg: 62.63%
63
63th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.63%
60
60th pctile
Loan-to-Deposit Ratio
Current: 81.07% · Tier avg: 83.06%
55
55th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
17
17th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
Top Weaknesses
17
17th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
55
55th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
60
60th pctile
Loan-to-Deposit Ratio
Current: 81.07% · Tier avg: 83.06%
63
63th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.63%
64
64th pctile
Efficiency Ratio
Current: 57.89% · Tier avg: 62.63%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.70% · Tier avg: 10.24%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
82
82th pctile
Net Interest Margin
Current: 4.33% · Tier avg: 3.66%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.45% · Tier avg: 21.05%
94
94th pctile
Total Loans
Current: $2.5B · Tier avg: $975.5M
95
95th pctile
Total Deposits
Current: $3.1B · Tier avg: $1.2B
95
95th pctile
Total Assets
Current: $3.7B · Tier avg: $1.4B