Commercewest Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Retained earnings dropped 10.1% in Q2 2026, from $95.7M to $86.0M. It was the largest change from Q1 2026 among the key lines here. Commercewest Bank ranks 28th of 74 California banks on CET1 ratio, in the upper half at 16.46% (Q2 2026). Commercewest Bank reported 16.46% on CET1 ratio for Q2 2026, 2.96 points above the 13.49% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.46% |
| Tier 1 risk-based capital ratio | 16.46% |
| Total risk-based capital ratio | 17.71% |
| Tier 1 leverage ratio | 11.14% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $133.7M |
| Tier 1 capital | $133.7M |
| Total risk-based capital | $143.9M |
| Total equity capital | $129.2M |
| Risk-weighted assets | $812.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 10.80% |
| Tangible equity to tangible assets | 10.57% |
| Equity capital to average assets | 10.74% |
| Internal capital growth rate | -27.91% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $17.0M |
| Common stock surplus | $34.0M |
| Retained earnings | $86.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$7.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 18.47% | 18.47% | 19.73% | 11.18% | $694.8M |
| Q4 2023 | 17.94% | 17.94% | 19.20% | 12.09% | $719.7M |
| Q1 2024 | 18.09% | 18.09% | 19.35% | 12.58% | $715.0M |
| Q2 2024 | 18.41% | 18.41% | 19.67% | 12.06% | $715.4M |
| Q3 2024 | 17.45% | 17.45% | 18.70% | 11.77% | $761.4M |
| Q4 2024 | 16.67% | 16.67% | 17.92% | 11.16% | $804.4M |
| Q1 2025 | 16.76% | 16.76% | 18.01% | 12.35% | $820.3M |
| Q2 2025 | 16.83% | 16.83% | 18.08% | 12.68% | $838.0M |
| Q3 2025 | 16.68% | 16.68% | 17.93% | 12.22% | $839.5M |
| Q4 2025 | 17.61% | 17.61% | 18.86% | 12.50% | $817.2M |
| Q1 2026 | 17.98% | 17.98% | 19.23% | 11.89% | $797.5M |
| Q2 2026 | 16.46% | 16.46% | 17.71% | 11.14% | $812.4M |
Commercewest Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Commercewest Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Commercewest Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57176) · FFIEC NIC profile (RSSD 3052813)