# COMMUNITY WEST BANK
FRESNO, CA · FDIC certificate 23030 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $5.02B | |
| Deposits | $4.13B | |
| Loans and leases | $3.54B | |
| Total equity | $668.3M | |
| Loans / deposits | 84.68% (p44 of band) | 87.10% |
| Liquid assets / assets | 21.16% (p50 of band) | |
| Uninsured deposits / deposits | 32.58% (p55 of band) | 30.76% |
| Brokered deposits | 7.22% | |
| Wholesale funding | 10.70% (p67 of band) | |
| FHLB advances / assets | 3.48% | |
| Tier 1 leverage | 10.97% (p60 of band) | 10.50% |
| Unrealized securities loss / equity | -9.77% (p41 of band) | -7.75% |
| AOCI / equity | 0.62% (p94 of band) | |
| ROA (annualized) | 0.88% (p22 of band) | 1.26% |
| Net interest margin | 4.79% (p92 of band) | 3.70% |
| Efficiency ratio | 59.36% (p52 of band) | |
| Noncurrent loans | 0.56% (p53 of band) | 0.51% |
| Net charge-offs (annualized) | 0.26% (p89 of band) | |
| Reserve coverage of noncurrent | 254.82% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 33.48% (p34 of band) | |
| Auto loans | $94.4M (2.66% of loans; DQ 0.42%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 37.7% | |
| Employees | 417 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 1 | reserve under noncurrent |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 | reserve under noncurrent | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 | capital falling | reserve under noncurrent |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | uninsured deposits leaving | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2015-03 | 2 |  | charge-offs p90 |
| 2015-06 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | deposits shrinking, assets shrinking |  |
| 2019-03 | 1 |  | assets shrinking |
| 2019-06 | 0 |  | deposits shrinking |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | deposits shrinking |  |
| 2024-06 | 1 | brokered >10% | securities losses >30% of equity, deposits shrinking |
| 2024-09 | 0 |  | brokered >10% |
| 2024-12 | 1 | brokered >10% |  |
| 2025-03 | 0 |  | brokered >10% |
| 2025-06 | 1 | brokered >10% |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 | capital falling | brokered >10% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-01 [Community West Completes United Security Merger, Forms $5B California Community Bank - National Mortgage Professional](https://news.google.com/rss/articles/CBMixwFBVV95cUxQRjBSbFByYk1WYldDWGNsc3Y4bzJQS2xhMXRZWFNwNzg0NERwSUJOUDBCM21iYUhiN1dQUWJqdEJpZ3cyRElyRmxERWVBZ1FXa3NGZXhBdHRadGxvV3ZQN0N2SXJoc2tZQ3NOWjRvcjdzXzhIbHBvblJkLTc2ekRqRURFUU1HOVpzOUhPeEszMEpEeWUzelZwVFdKTmkzZE5PQkJhR0psTEFTTVh4V1liQmpZdjVrYlBoaEVsZjlPeDJrS2N0RGtZ?oc=5) · National Mortgage Professional
- 2026-07-23 [Community West Bancshares Reports Earnings Results for the Quarter Ended June 30, 2026, and Quarterly Dividend - Yahoo Finance](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOSkNGTXFYcUtELTVxTU5PU1VIR3NxVW1SYjhRMmlrVXRyWnppLWRGTGk1TUNSQmFaN1V1YU1melFLVmFGcVp1X3lqUmdyc2VPZUdYYnNTdlplY3pfaW9FYllXY3FIRlVOaTB3Y09qZlByUHFicGR0N0pCalQtZUpHUTJvNlltZWZHRTlaOWRIZkZwNTFabk5HaEFnTUctb0NlYUVOOU9Sck9KbnM?oc=5) · Yahoo Finance
- 2025-12-18 [California’s Community West to acquire United Security in $191.9M deal - Banking Dive](https://news.google.com/rss/articles/CBMitAFBVV95cUxNdDZocGNQajA1cWozMmt6WkRfenBEZnE1a1lXelNkdXFNRUZVaFZyS1JxY0k4TF9icU5nSU9BRWdZUkpxa1I4dlU0THNBUkt6el8wZGVLYm05OGlNaWdiaGlteGx3Qmg2ZE1WY3lxc2pramNPNmdzSmJaRmxDOWs5T2FlQTZGWnpnQmJTdS1KZ29CZ05NRWtSbHFfM3luNUZoa2pHVjNQeW15SjFCNGtxQWdxOGM?oc=5) · Banking Dive
- 2026-03-03 [Community West Bank Announces Retirement of Chief Operating Officer, Blaine C. Lauhon - Business Wire](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQSzlfenFkUFpjcHhXbWlxT0dxWWlJVnY2cEFNUmlUekxmQ1llQ2VORjFkdmZyWWZVbG5QblVjbGxGZUtHYmo4aU1ScDBHMFZoWFUzd1BvdmtTaFBWUndnVkRMdnhxeXh3SnR3bHhTaEhsdERGRFpVYUpWNzJobDJNN1Q1ZWtCT3d4blUzQUZybWQ4R1F4YnFOVDVTRWpEZUFoZkN5UEtFemMxMjZ5VVZsSWo3Vi10ZmpmRk02NHQ3anJKVTJUMDM1N0VycnVSX0dDTk9GS3A2MmE?oc=5) · Business Wire
- 2026-01-19 [After 46 years, Community West Bank founding director steps down - thebusinessjournal.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxNWUpPOFhud1k4bGpkeklSbmVjb3M2ZnJHTHNVVDU4TFZEVks0a0xnQ3NtM0NlNUNnNEJLamlCM2M0b09saWFGUWg5aFV2VWYzeHZlV1IyZnBtVWF0TFlsZWRad3YyTWNFVG5nMktaYUZlUldYQkdVMjJDalBkUm5WTEROdGpQdlNDVTZZMk1TWlVqQXhNSy1NZk5Ocw?oc=5) · thebusinessjournal.com
- 2025-12-17 [Community West, United Security Banks Merge - GV Wire](https://news.google.com/rss/articles/CBMifkFVX3lxTFBtWGtRZjJWSUFvNUJ0d2c3cEtFcENFdVZCdDYyanVYU04ybV9HRUtqOEcxWGhkbThLWEQ3b0oteW1aSHZzbWRzWDA0NG1vT3FHWE5QU19qdjMtcWhwek1TalVkS2hHTEFzTXJtM2lGSlgwb1Q4U3UxejlkSG45dw?oc=5) · GV Wire
- 2026-03-17 [Community West Bancshares, United Security merger clears FDIC and California approvals - TradingView](https://news.google.com/rss/articles/CBMi4AFBVV95cUxPMFhubUxUS3p4azVZUTRTc2hVMm5Uek1XN1NpUzl3YXlwREtvRC10LWZqejByQ2o1QlFOUmV4MTlkRU54a0VwTHg1c19kUklDX2pvYVk3cXV6M0NRNk1YSFJwZk5hczdOV2dOVUpBZ3VqSXJvWFU0M3E5bGRaMEszb3Zjd2g3NGktbTNISDg0ZmxFbHZlZEU1MmJVZmxaUC03YU5DbkxLSE5kVkRjLU1hdEV1NUtHNEpOcWNBZkRNQXBHY0xUYnIzQXZ1UTNrd29zcWhYVkN0Qm1RQ1JpbVdFbg?oc=5) · TradingView
- 2026-04-01 [Community West Bancshares: $185.5 Million Merger With United Security Bancshares Creates Central California Community Bank - Pulse 2.0](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNVWlEQlZ1ZVl5ZHhzaEl3Y2REd2hVR1R2M2w1a2lWTmgwVVBiTXJJd1FqLVR0RGs3QWdESG5lbjhOMmZFbjhCMzJmNmdMaWxXWllDXzd1ZThLeHVfblFwb2RxNzM2Xy1zOEpsT0hUUnZzSkNOc25sQkhPUktQUWxGZnZoaWQwUWdBU0s2VElweXBWOGZtSWp3WlZYanNmYzUwTkxvZEViM2x4NEhtZ1FNQmI1SHN0czJqakJBUE9felQtd2RibTd3R0JBQzhHbUs5RXBkWHdXY9IB3AFBVV95cUxOd1JXMXhvRFFFMHdWd3Zxc19pVDBuME5uOWdWR0x2MFYtOTFGRUl4bU9LNkhIcGZjc1JWLXYtaEhQVWpDcFBoXzR1eEhKaGRjR0c1TDRIV1gzNkVLTDFmd0dGNFNQVmFKMFBOQ0hHa2lYWGl4bjMzanVpMUpVVjFGaVhXSGR5Q25zOWdxVktuOTYxRzJweVFMZkFqbWVGXzVCejNvUXZJM2dxZkJ2U1ZjbmJSSnNtZ0ZlT2paTlg5U1NQN2xPTHZYNG8xWGVwdFdZeHFNRkYzellWdXpV?oc=5) · Pulse 2.0

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23030 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/54.json (key "23030", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide