Bank Comparison
Community West Bank vs Frandsen Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
18 · 6
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Community West Bank | Frandsen Bank & Trust |
|---|---|---|
| CET1 Ratio | 13.81% | 13.61% |
| Tier 1 Capital Ratio | 13.81% | 13.61% |
| Total Capital Ratio | 14.88% | 14.87% |
| Tier 1 Leverage Ratio | 11.43% | 9.75% |
| Equity / Assets | 12.91% | 11.55% |
Profitability
| Metric | Community West Bank | Frandsen Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 1.35% | 1.61% |
| Return on Equity (ROE) | 10.58% | 14.24% |
| Net Interest Margin (NIM) | 4.37% | 3.94% |
| Yield on Earning Assets | 5.66% | 5.41% |
| Cost of Funds | 1.39% | 1.58% |
Asset quality
| Metric | Community West Bank | Frandsen Bank & Trust |
|---|---|---|
| Texas Ratio | 5.74% | 13.70% |
| Non-Performing Loan Ratio | 0.90% | 1.46% |
| Non-Performing Asset Ratio | 0.62% | 1.20% |
| Net Charge-Off Ratio | -0.01% | 0.00% |
| ACL / Loans | 1.18% | 1.32% |
Balance sheet
| Metric | Community West Bank | Frandsen Bank & Trust |
|---|---|---|
| Total Assets | $3,697M | $3,688M |
| Total Deposits | $3,147M | $3,138M |
| Total Loans | $2,551M | $2,502M |
| Total Equity | $477,341K | $426,118K |
| Net Income (quarter) | $12,557K | $15,046K |
Liquidity & funding
| Metric | Community West Bank | Frandsen Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 81.05% | 79.74% |
| Core Deposit Ratio | 97.88% | 94.96% |
| Uninsured Deposit Ratio | 34.34% | 31.28% |
Identity
| Metric | Community West Bank | Frandsen Bank & Trust |
|---|---|---|
| Headquarters City | FRESNO | LONSDALE |
| Headquarters State | CA | MN |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 43 | 41 |
| Employees (FTE) | 327 | 448 |
| Established | Jan. 10, 1980, midnight | Aug. 1, 1901, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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