BlastPoint's Banking Scorecard
Commerce West Bank
Community
Specialty: Commercial
CA
FDIC cert 57176
Irvine, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Commerce West Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 8% in Community
- - Margin Compression: Bottom 21% in Community
- - Flatlined Growth: Bottom 40% in Community
- - Loan-to-Deposit Ratio 24.17% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
-0.3% YoY
+32.0% QoQ
|
+$94.1M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$785.1M
+0.4% YoY
-1.6% QoQ
|
-$190.4M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$1.3B
-1.2% YoY
+36.4% QoQ
|
+$168.6M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
1.10%
-8.7% YoY
-0.2% QoQ
|
-0.07% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
47% |
| Net Interest Margin ? |
2.96%
+0.6% YoY
-3.2% QoQ
|
-0.70% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
51.88%
+6.2% YoY
-2.6% QoQ
|
-10.75% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
1.05%
+28.6% YoY
-2.1% QoQ
|
+0.42% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
58.89%
+1.7% YoY
-27.8% QoQ
|
-24.17% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.49%
-13.5% YoY
-28.5% QoQ
|
+2.44% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.56%
+29.6% YoY
-27.0% QoQ
|
+0.06% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
17.61%
+5.7% YoY
+5.6% QoQ
|
+7.37% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
0.33%
-20.9% YoY
+0.5% QoQ
|
-0.41% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Deposit Outflow
decline
#20 of 248 · Bottom 8% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Margin Compression
decline
#26 of 120 · Bottom 21% in Community
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:
1.10%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
Flatlined Growth
risk
#99 of 245 · Bottom 40% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.10%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Loan-to-Deposit Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
58.89%
(Tier avg: 83.06%, National avg: 78.04%)
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
88
88th pctile
Tier 1 Capital Ratio
Current: 17.61% · Tier avg: 10.24%
80
80th pctile
Efficiency Ratio
Current: 51.88% · Tier avg: 62.63%
72
72th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.49% · Tier avg: 21.05%
56
56th pctile
Total Loans
Current: $785.1M · Tier avg: $975.5M
47
47th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.50%
26
26th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
24
24th pctile
Delinquency Rate
Current: 1.05% · Tier avg: 0.63%
16
16th pctile
Net Interest Margin
Current: 2.96% · Tier avg: 3.66%
8
8th pctile
Loan-to-Deposit Ratio
Current: 58.89% · Tier avg: 83.06%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 58.89% · Tier avg: 83.06%
16
16th pctile
Net Interest Margin
Current: 2.96% · Tier avg: 3.66%
24
24th pctile
Delinquency Rate
Current: 1.05% · Tier avg: 0.63%
26
26th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.50%
47
47th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
56
56th pctile
Total Loans
Current: $785.1M · Tier avg: $975.5M
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.49% · Tier avg: 21.05%
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
72
72th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
80
80th pctile
Efficiency Ratio
Current: 51.88% · Tier avg: 62.63%
88
88th pctile
Tier 1 Capital Ratio
Current: 17.61% · Tier avg: 10.24%