Community West Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 20.52 percentage points in Q2 2026, from 279.70% to 300.22%. It was the largest change from Q1 2026 among the key lines here. Community West Bank ranks 71st of 114 California banks on loan-to-deposit ratio, in the lower half at 85.90% (Q2 2026). At 85.90%, Community West Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.54B |
| Net loans and leases | $3.49B |
| Loans held for sale | $0 |
| Loans to total assets | 70.53% |
| Loan-to-deposit ratio | 85.90% |
| Net loans to equity capital | 5.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 50.48% |
| Multifamily (5+ residential) | 6.49% |
| Commercial and industrial | 7.25% |
| Consumer | 12.73% |
| Credit cards | 0.00% |
| Farm | 4.59% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 300.22% |
| Construction concentration (Tier 1 capital + allowance) | 39.05% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.73% |
| Interest income on loans | $58.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.28B | $2.15B | 56.65% | 8.06% | 3.69% |
| Q4 2023 | $1.29B | $2.04B | 58.41% | 7.92% | 4.40% |
| Q1 2024 | $1.29B | $2.03B | 59.80% | 6.52% | 5.57% |
| Q2 2024 | $2.26B | $2.87B | 53.07% | 5.94% | 18.20% |
| Q3 2024 | $2.30B | $2.92B | 52.66% | 6.14% | 17.84% |
| Q4 2024 | $2.33B | $2.91B | 52.91% | 6.00% | 17.86% |
| Q1 2025 | $2.35B | $2.93B | 53.17% | 6.07% | 17.77% |
| Q2 2025 | $2.40B | $3.00B | 53.04% | 6.46% | 17.92% |
| Q3 2025 | $2.45B | $3.08B | 54.05% | 6.26% | 17.30% |
| Q4 2025 | $2.54B | $3.10B | 53.48% | 5.99% | 16.45% |
| Q1 2026 | $2.55B | $3.15B | 53.29% | 6.76% | 16.51% |
| Q2 2026 | $3.54B | $4.13B | 50.48% | 7.25% | 12.73% |
Community West Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community West Bank, freeSource: Call Report Schedule RC-C, 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)