Community West 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%.
The standout move of Q2 2026 was in Retained earnings: 49.0% higher than in Q1 2026, at $567.7M. Within California, Community West Bank is 61st of 74 on CET1 ratio, 12.55% as of Q2 2026, below the middle of the field. Community West Bank reported 12.55% on CET1 ratio for Q2 2026, 0.93 points below the 13.48% median for banks in the $1B-10B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.55% |
| Tier 1 risk-based capital ratio | 12.55% |
| Total risk-based capital ratio | 13.79% |
| Tier 1 leverage ratio | 10.98% |
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 | $523.6M |
| Tier 1 capital | $523.6M |
| Total risk-based capital | $575.1M |
| Total equity capital | $668.3M |
| Risk-weighted assets | $4.17B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.30% |
| Tangible equity to tangible assets | 9.90% |
| Equity capital to average assets | 13.50% |
| Internal capital growth rate | -0.54% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $6.5M |
| Common stock surplus | $129.7M |
| Retained earnings | $567.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$35.5M |
| 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 | 16.50% | 16.50% | 17.47% | 11.21% | $1.70B |
| Q4 2023 | 16.76% | 16.76% | 17.74% | 11.75% | $1.70B |
| Q1 2024 | 16.94% | 16.94% | 17.91% | 11.95% | $1.70B |
| Q2 2024 | 13.99% | 13.99% | 15.00% | 11.11% | $2.68B |
| Q3 2024 | 13.61% | 13.61% | 14.60% | 11.24% | $2.73B |
| Q4 2024 | 13.53% | 13.53% | 14.54% | 11.04% | $2.79B |
| Q1 2025 | 13.75% | 13.75% | 14.76% | 11.12% | $2.79B |
| Q2 2025 | 13.84% | 13.84% | 14.92% | 11.25% | $2.83B |
| Q3 2025 | 13.90% | 13.90% | 14.99% | 11.24% | $2.88B |
| Q4 2025 | 13.70% | 13.70% | 14.77% | 11.44% | $2.97B |
| Q1 2026 | 13.81% | 13.81% | 14.88% | 11.43% | $2.99B |
| Q2 2026 | 12.55% | 12.55% | 13.79% | 10.98% | $4.17B |
Community West Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Community West 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 Community West Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23030) · FFIEC NIC profile (RSSD 703767)