Commercewest Bank
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Data as of · sourced from FFIEC call reports. How we update
Commercewest Bank is an FDIC-insured commercial bank headquartered in Irvine, CA, established in 2001 (FDIC certificate 57176), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $1.20B, up 1.3% from Q2 2025, the 56th largest of 113 banks headquartered in California. Its CET1 capital ratio was 16.46% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 57176
- Headquarters
- Irvine, CA
- Established
- 2001
- Total assets, Q2 2026
- $1.20B
- Assets vs Q2 2025
- +1.3%
- CET1 ratio, Q2 2026
- 16.46%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 122243334
- Latest call report
- Q2 2026, FFIEC 041 · Commercewest Bank call report
- Holding company
- CW BANCORP
- Asset rank in state
- 56th of 113 in California
Commercewest Bank, based in Irvine, California, reported $1.2 billion in assets at June 30, 2026, up 1.3% from a year earlier. It holds about three-quarters of its deposits (79%) above the FDIC insurance limit, 2.6 times the median of 30.9% for the 895 banks with $1 billion to $10 billion in assets. It also shrank its loan book 3.9% over the year, lower than about 9 in 10 banks its size (median 5.9%).
Loans and deposits moved in opposite directions: over the year loans fell 3.9% and deposits rose 2.1%. Its $101 million commercial and industrial book is improving, with 0.45% past due or on nonaccrual, down from 1.59% a year earlier. Its margin is thin by comparison: it keeps 3.13 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, Commercewest Bank reported a CET1 capital ratio of 16.46%, a return on assets of 1.27%, a nonperforming-loan ratio of 1.23% and a Texas ratio of 7.00%. The figures come from its call report filed with the FFIEC.
Commercewest Bank ranks as the 56th largest of the 113 banks based in California, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 3.8% to $1.20B, loans rose 0.5% and deposits fell 3.3%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 35.3% of total loans, followed by 1-4 family residential loans at 21.5%. Its one office in the FDIC Summary of Deposits is in Irvine, CA. Judged on its Q2 2026 call report, Commercewest Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2445 Mccabe Way, Irvine, CA 92614
- County
- Orange
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- September 24, 2001
- Former names
- CommerceWest Bank, N.A. (2003-2012)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 83
- Domestic deposits
- $1.06B
- Allowance for credit losses
- $10.3M
- Net charge-offs (YTD)
- $336K
- Average total assets
- $1.20B
- Average total loans
- $761.7M
- Average interest-bearing deposits
- $1.10B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 24, 2001
- FDIC Cert
- 57176
- Fed RSSD
- 3052813
- SEC CIK
- 1846858 → filed by CW BANCORP
- Website
- www.cwbk.com →
- Parent Holding Company
- CW BANCORP (RSSD 5538197)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Commercewest Bank's total assets ran between $1.06B (Q3 2023) and $1.49B (Q4 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.20B total assets against $1.18B; $1.07B total liabilities against $1.05B.
$769.4M net loans and leases against $799.7M; $1.06B total deposits against $1.03B.
$216.2M securities against $159.7M; $176.8M cash and balances due against $183.8M.
$13.9M total interest income against $13.7M; $4.7M total interest expense against $5.0M.
$9.2M net interest income against $8.7M.
$966K total noninterest income against $1.2M; $5.0M total noninterest expense against $5.0M.
-$150K provision for credit losses against $100K.
$3.8M net income against $3.5M.
1.27% return on assets against 1.27%; 3.13% net interest margin against 3.23%.
16.46% CET1 capital ratio against 16.83%; 11.14% tier 1 leverage ratio against 12.68%.
Inside the full Commercewest Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run. BankRegReports band; the $250K limit is statutory but this risk threshold is ours (post-SVB).
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Commercewest Bank rankings
Its closest position to the top of a national ranking is 10 of 980, for uninsured deposits; its furthest is 1,827 of 3,611, for ROA.
Metric pages for Commercewest Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.14% (Q3 2025) to 1.45% (Q4 2024) and its net interest margin ran from 3.07% (Q3 2024) to 3.33% (Q1 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.46% | 1.27% | 1.23% | 7.00% | 3.13% |
| Q1 2026 | 17.98% | 1.33% | 1.34% | 7.13% | 3.16% |
| Q4 2025 | 17.61% | 1.36% | 1.04% | 5.59% | 3.31% |
| Q3 2025 | 16.68% | 1.14% | 1.06% | 5.97% | 3.33% |
| Q2 2025 | 16.83% | 1.27% | 1.06% | 5.99% | 3.23% |
| Q1 2025 | 16.76% | 1.22% | 0.91% | 5.21% | 3.33% |
| Q4 2024 | 16.67% | 1.45% | 0.80% | 4.71% | 3.31% |
| Q3 2024 | 17.45% | 1.26% | 0.76% | 4.14% | 3.07% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Commerce West Bank | Irvine , CA | 92614 | $1.06B |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 25, 2009 | Structure Change | Acquired Discovery Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 24, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (Federal Reserve, OCC)
- April 12, 2016, Federal Reserve: Cease and Desist Order: CommerceWest Bank, Irvine, California
- January 15, 2010, OCC: Formal Agreement: CommerceWest Bank, National Association
- Period: Most recent institution action April 12, 2016. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CA, rank 78 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 5 loans, $1.7M approved, $343K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 5 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q1 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Mortgage lending (HMDA), CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Commercewest Bank
What are Commercewest Bank's total assets?
As of the Q2 2026 filing, Commercewest Bank reported total assets of $1.20 billion in its FFIEC call report.
Where is Commercewest Bank headquartered?
It is headquartered in Irvine, CA, United States.
When was Commercewest Bank founded?
It was established in 2001, per the FDIC institution directory.
Is Commercewest Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57176). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commercewest Bank?
Commercewest Bank's primary federal regulator is the Federal Reserve.
What is Commercewest Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.46% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Commercewest Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commercewest Bank's Texas Ratio?
Its Texas Ratio is 7.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Commercewest Bank previously called?
The charter now named Commercewest Bank has also operated as CommerceWest Bank, N.A. (2003-2012), per FDIC structure-change records.
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