Commercewest Bank: Financial Reports & UBPR Data
BankRegReports is independent of Commercewest Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Commercewest Bank, based in Irvine, California, reported $1.2 billion in assets at June 30, 2026, up 1.3% from a year earlier. It holds about three-quarters of its deposits (79%) above the FDIC insurance limit, 2.6 times the median of 30.9% for the 895 banks with $1 billion to $10 billion in assets. It also shrank its loan book 3.9% over the year, lower than about 9 in 10 banks its size (median 5.9%).
Loans and deposits moved in opposite directions: over the year loans fell 3.9% and deposits rose 2.1%. Its $101 million commercial and industrial book is improving, with 0.45% past due or on nonaccrual, down from 1.59% a year earlier. Its margin is thin by comparison: it keeps 3.13 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.71 cents).
As of June 30, 2026, Commercewest Bank reported a CET1 capital ratio of 16.46%, a return on assets of 1.27%, a nonperforming-loan ratio of 1.23% and a Texas ratio of 7.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 2445 Mccabe Way, Irvine, CA 92614
- County
- Orange
- Metro Area
- Los Angeles-Long Beach-Anaheim, CA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- September 24, 2001
- Former names
- CommerceWest Bank, N.A. (2003-2012)
- Offices
- 1 domestic
- Employees (FTE)
- 83
- Domestic deposits
- $1.06B
- Allowance for credit losses
- $10.3M
- Net charge-offs (YTD)
- $336K
- Average total assets
- $1.20B
- Average total loans
- $761.7M
- Average interest-bearing deposits
- $1.10B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 24, 2001
- FDIC Cert
- 57176
- Fed RSSD
- 3052813
- SEC CIK
- 1846858 → filed by CW BANCORP
- Website
- www.cwbk.com →
- Parent Holding Company
- CW BANCORP (RSSD 5538197)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Commercewest Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Commercewest 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.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run. BankRegReports band; the $250K limit is statutory but this risk threshold is ours (post-SVB).
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Commercewest Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.46% | 1.27% | 1.23% | 7.00% | 3.13% |
| Q1 2026 | 17.98% | 1.33% | 1.34% | 7.13% | 3.16% |
| Q4 2025 | 17.61% | 1.36% | 1.06% | 5.59% | 3.31% |
| Q3 2025 | 16.68% | 1.14% | 1.08% | 5.97% | 3.33% |
| Q2 2025 | 16.83% | 1.27% | 1.08% | 5.99% | 3.23% |
| Q1 2025 | 16.76% | 1.22% | 0.93% | 5.21% | 3.33% |
| Q4 2024 | 16.67% | 1.45% | 0.83% | 4.71% | 3.31% |
| Q3 2024 | 17.45% | 1.26% | 0.78% | 4.14% | 3.07% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View the branch →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Commerce West Bank | Irvine , CA | 92614 | $1.06B |
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 |
|---|---|---|---|
| July 25, 2009 | Structure Change | Acquired Discovery Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 24, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Commercewest Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (Federal Reserve, OCC)
- April 12, 2016, Federal Reserve: Cease and Desist Order: CommerceWest Bank, Irvine, California
- January 15, 2010, OCC: Formal Agreement: CommerceWest Bank, National Association
- Period: Most recent institution action April 12, 2016. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CA, rank 78 of 171 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 5 loans, $1.7M approved, $343K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 5 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q1 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows Commercewest Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare Commercewest Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
Frequently asked about Commercewest Bank
What are Commercewest Bank's total assets?
As of the Q2 2026 filing, Commercewest Bank reported total assets of $1.20 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Commercewest Bank headquartered?
Commercewest Bank is headquartered in Irvine, CA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Commercewest Bank founded?
Commercewest Bank was established in 2001, per the FDIC institution directory.
Is Commercewest Bank FDIC-insured?
Yes. Commercewest Bank is an FDIC-insured commercial bank (FDIC Certificate #57176). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Commercewest Bank?
Commercewest Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Commercewest Bank's CET1 capital ratio?
Commercewest Bank reported a Common Equity Tier 1 (CET1) capital ratio of 16.46% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Commercewest Bank operate?
Commercewest Bank operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Commercewest Bank's Texas Ratio?
Commercewest Bank's Texas Ratio is 7.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Commercewest Bank previously called?
The charter now named Commercewest Bank has also operated as CommerceWest Bank, N.A. (2003-2012), per FDIC structure-change records.
Go deeper on Commercewest Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock Commercewest Bank, freeFree account