Community West Bank
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Data as of · sourced from FFIEC call reports. How we update
Community West Bank is an FDIC-insured commercial bank headquartered in Fresno, CA, established in 1980 (FDIC certificate 23030), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $5.02B, up 40.6% from Q2 2025, the 23rd largest of 113 banks headquartered in California. Its CET1 capital ratio was 12.55% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 23030
- Headquarters
- Fresno, CA
- Established
- 1980
- Total assets, Q2 2026
- $5.02B
- Assets vs Q2 2025
- +40.6%
- CET1 ratio, Q2 2026
- 12.55%
- Domestic offices
- 43 FDIC institution directory, current count
- Routing number
- 121137726
- Holding company
- COMMUNITY WEST BANCSHARES
- Asset rank in state
- 23rd of 113 in California
Community West Bank spends more to run itself than most banks of its size. Based in Fresno, California, it had $5.0 billion in assets at June 30, 2026, up 40.6% from a year earlier. It earns about $0.45 a year on every $100 of assets, about a third the median of $1.29 for the 895 banks with $1 billion to $10 billion in assets. On the other hand, it keeps 4.64 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.71 cents).
Earnings fell sharply: quarterly net income of $5.6 million was 37% below a year earlier. Over the same year, loans grew 47.7% and deposits grew 37.7%. Concentration is the risk to watch: it holds commercial real estate loans worth 3.0 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Community West Bank reported a CET1 capital ratio of 12.55%, a return on assets of 0.45%, a nonperforming-loan ratio of 0.56% and a Texas ratio of 5.25%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, Community West Bank is the 23rd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 35.9% to $5.02B, loans rose 38.9% and deposits rose 31.1%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 35.7% of total loans, followed by owner-occupied commercial real estate loans at 14.8%. The FDIC Summary of Deposits lists 42 offices for it, in 31 cities in CA; its Fresno 8 offices book 38% of its branch deposits. By the capital ratios in its Q2 2026 call report, Community West Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 10 E River Park Pl E, Fresno, CA 93720
- County
- Fresno
- Metro Area
- Fresno, CA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 10, 1980
- Former names
- Central Valley Community Bank (2002-2024)
- Domestic offices
- 43 FDIC institution directory, current count
- Employees (FTE)
- 417
- Domestic deposits
- $4.13B
- Allowance for credit losses
- $49.4M
- Net charge-offs (YTD)
- $5.5M
- Average total assets
- $4.95B
- Average total loans
- $3.48B
- Average interest-bearing deposits
- $2.71B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 10, 1980
- FDIC Cert
- 23030
- Fed RSSD
- 703767
- SEC CIK
- 1127371 → filed by COMMUNITY WEST BANCSHARES
- Website
- www.communitywestbank.com →
- Parent Holding Company
- COMMUNITY WEST BANCSHARES (RSSD 2935405) · CWBC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| James J Kim | CEO | CEO and PRESIDENT |
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
From Q3 2023 to Q2 2026, Community West Bank's total assets ranged from $2.42B (Q1 2024) to $5.02B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$5.02B total assets against $3.57B; $4.36B total liabilities against $3.13B.
$3.49B net loans and leases against $2.37B; $4.13B total deposits against $3.00B.
$856.6M securities against $768.2M; $206.8M cash and balances due against $134.4M.
$66.3M total interest income against $46.3M; $14.3M total interest expense against $11.8M.
$52.1M net interest income against $34.4M.
$3.6M total noninterest income against $2.1M; $36.5M total noninterest expense against $21.8M.
$5.6M provision for credit losses against $2.6M.
$5.6M net income against $8.8M.
0.45% return on assets against 0.98%; 4.64% net interest margin against 4.19%.
12.55% CET1 capital ratio against 13.84%; 10.98% tier 1 leverage ratio against 11.25%.
Inside the full Community West 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Community West Bank rankings
Its closest position to the top of a national ranking is 282 of 4,196, for total assets; its furthest is 3,291 of 3,611, for ROA.
Banks merged into Community West Bank
- United Security Bank, effective April 1, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.45% (Q2 2026) to 1.37% (Q4 2025) and its net interest margin ran from 3.82% (Q3 2024) to 4.64% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.55% | 0.45% | 0.56% | 5.25% | 4.64% |
| Q1 2026 | 13.81% | 1.35% | 0.90% | 5.68% | 4.37% |
| Q4 2025 | 13.70% | 1.37% | 0.27% | 1.73% | 4.37% |
| Q3 2025 | 13.90% | 1.29% | 0.29% | 1.80% | 4.33% |
| Q2 2025 | 13.84% | 0.98% | 0.28% | 1.81% | 4.19% |
| Q1 2025 | 13.75% | 1.05% | 0.30% | 1.91% | 4.08% |
| Q4 2024 | 13.53% | 0.92% | 0.36% | 2.38% | 4.07% |
| Q3 2024 | 13.61% | 0.52% | 0.16% | 1.05% | 3.82% |
Swipe the table sideways to see every column.
Branch Network
View all 42 branches → 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 |
|---|---|---|---|
| Fresno Downtown Branch | Fresno , CA | 93721 | $482.5M |
| West Shaw Branch | Fresno , CA | 93711 | $466.0M |
| Clovis Branch | Clovis , CA | 93612 | $260.5M |
| River Park Branch | Fresno , CA | 93720 | $255.1M |
| Visalia Branch | Visalia , CA | 93291 | $222.3M |
| Palm and Herndon Branch | Fresno , CA | 93650 | $212.1M |
| Santa Barbara Branch | Santa Barbara , CA | 93101 | $143.3M |
| Goleta Branch | Goleta , CA | 93117 | $142.0M |
| Fig Garden Branch | Fresno , CA | 93704 | $140.7M |
| Roseville Branch | Roseville , CA | 95661 | $137.2M |
| Modesto Branch | Modesto , CA | 95350 | $122.4M |
| Kerman Branch | Kerman , CA | 93630 | $109.8M |
| Folsom Sutter Downtown Branch | Folsom , CA | 95630 | $109.5M |
| Foothill Branch | Prather , CA | 93651 | $92.2M |
| Point West Branch | Sacramento , CA | 95815 | $89.2M |
| Madera Branch | Madera , CA | 93637 | $87.6M |
| Bakersfield Branch | Bakersfield , CA | 93311 | $82.2M |
| Firebaugh Branch | Firebaugh , CA | 93622 | $82.0M |
| Ventura Branch | Ventura , CA | 93003 | $76.2M |
| Lodi Branch | Lodi , CA | 95242 | $73.4M |
| Clovis Herndon Branch | Clovis , CA | 93611 | $67.2M |
| Taft Branch | Taft , CA | 93268 | $66.7M |
| Merced Office Branch | Merced , CA | 95340 | $60.9M |
| Stockton Branch | Stockton , CA | 95219 | $60.5M |
| Caruthers Branch | Caruthers , CA | 93609 | $59.0M |
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 |
|---|---|---|---|
| April 3, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2026 | M&A | Acquired United Security Bank merger for the acquired bank | SEC |
| April 1, 2026 | Structure Change | Acquired United Security Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2024 | M&A | Acquired Community West Bank, National Association merger for the acquired bank | SEC |
| April 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2024 | Structure Change | Acquired Community West Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2017 | M&A | Acquired Folsom Lake Bank merger for the acquired bank | SEC |
| October 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2017 | Structure Change | Acquired Folsom Lake Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 1, 2016 | M&A | Acquired Sierra Vista Bank merger for the acquired bank | SEC |
| October 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2016 | Structure Change | Acquired Sierra Vista Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2013 | M&A | Acquired Visalia Community Bank merger for the acquired bank | SEC |
| July 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2013 | Structure Change | Acquired Visalia Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 13, 2008 | M&A | Acquired Service 1st Bank merger for the acquired bank | SEC |
| November 13, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 13, 2008 | Structure Change | Acquired Service 1st Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2005 | M&A | Acquired Bank of Madera County merger for the acquired bank | SEC |
| January 1, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2005 | Structure Change | Acquired Bank of Madera County Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 21 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- January 26, 2012, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Community West Bank, National Association
- Period: Most recent institution action January 26, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in CA, rank 40 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 176 applications, 135 loans originated, $56.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 8 loans, $2.8M approved, $352K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, 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 Community West Bank
What are Community West Bank's total assets?
As of the Q2 2026 filing, Community West Bank reported total assets of $5.02 billion in its FFIEC call report.
Where is Community West Bank headquartered?
It is headquartered in Fresno, CA, United States.
When was Community West Bank founded?
It was established in 1980, per the FDIC institution directory.
Is Community West Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23030). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Community West Bank?
Community West Bank's primary federal regulator is the FDIC.
What is Community West Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.55% in its Q2 2026 call report, above regulatory requirements.
How many branches does Community West Bank operate?
It operates 43 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Community West Bank's Texas Ratio?
Its Texas Ratio is 5.25% 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 Community West Bank previously called?
The charter now named Community West Bank has also operated as Central Valley Community Bank (2002-2024), per FDIC structure-change records.
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