# COMMUNITY WEST BANK NA
GOLETA, CA · FDIC certificate 27572 · asset band $1-10B · latest filing 2024-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 9 (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 | $1.06B | |
| Deposits | $852.0M | |
| Loans and leases | $973.2M | |
| Total equity | $112.1M | |
| Loans / deposits | 112.72% (p96 of band) | 86.20% |
| Liquid assets / assets | 5.59% (p1 of band) | |
| Uninsured deposits / deposits | 19.36% (p18 of band) | 29.23% |
| Brokered deposits | 24.10% | |
| Wholesale funding | 32.57% (p95 of band) | |
| FHLB advances / assets | 8.47% | |
| Tier 1 leverage | 10.38% (p57 of band) | 10.04% |
| Unrealized securities loss / equity | -0.39% (p97 of band) | -16.29% |
| AOCI / equity | 0.88% (p95 of band) | |
| ROA (annualized) | -0.47% (p1 of band) | 0.90% |
| Net interest margin | 3.76% (p78 of band) | 3.12% |
| Efficiency ratio | 89.87% (p93 of band) | |
| Noncurrent loans | 0.12% (p22 of band) | 0.34% |
| Net charge-offs (annualized) | 0.16% (p88 of band) | |
| Reserve coverage of noncurrent | 1083.71% | |
| Real estate % of loans | 63% | |
| Construction % of loans | 47.06% (p40 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | -8.5% | |
| Employees | 136 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | loans exceed deposits, liquid assets <10%, reserve under noncurrent |  |
| 2011-06 | 4 | noncurrent p90 |  |
| 2011-09 | 6 | losing money, charge-offs p90 |  |
| 2011-12 | 7 | capital falling |  |
| 2012-03 | 4 | assets shrinking | loans exceed deposits, liquid assets <10%, losing money, capital falling |
| 2012-06 | 6 | deposits shrinking, uninsured deposits leaving |  |
| 2012-09 | 6 |  |  |
| 2012-12 | 7 | loans exceed deposits, liquid assets <10% | charge-offs p90 |
| 2013-03 | 4 |  | noncurrent p90, uninsured deposits leaving, liquid assets <10% |
| 2013-06 | 5 | noncurrent p90 |  |
| 2013-09 | 4 |  | assets shrinking |
| 2013-12 | 4 | liquid assets <10% | deposits shrinking |
| 2014-03 | 4 |  |  |
| 2014-06 | 5 | capital falling |  |
| 2014-09 | 3 |  | liquid assets <10%, capital falling |
| 2014-12 | 4 | liquid assets <10% |  |
| 2015-03 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2015-06 | 5 | loans exceed deposits, liquid assets <10%, losing money, expense ratio p90 | noncurrent p90 |
| 2015-09 | 4 | capital falling | loans exceed deposits, losing money |
| 2015-12 | 3 |  | liquid assets <10% |
| 2016-03 | 2 | brokered >10%, wholesale funding >15% | reserve under noncurrent, expense ratio p90, capital falling |
| 2016-06 | 3 | liquid assets <10%, uninsured deposits leaving | wholesale funding >15% |
| 2016-09 | 6 | loans exceed deposits, wholesale funding >15%, capital falling |  |
| 2016-12 | 5 |  | uninsured deposits leaving |
| 2017-03 | 5 |  |  |
| 2017-06 | 5 |  |  |
| 2017-09 | 4 |  | liquid assets <10% |
| 2017-12 | 5 | liquid assets <10% |  |
| 2018-03 | 3 |  | capital falling, liquid assets <10% |
| 2018-06 | 3 |  |  |
| 2018-09 | 5 | liquid assets <10%, capital falling |  |
| 2018-12 | 3 |  | liquid assets <10%, capital falling |
| 2019-03 | 4 | liquid assets <10% |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 4 |  |  |
| 2019-12 | 3 |  | liquid assets <10% |
| 2020-03 | 3 |  |  |
| 2020-06 | 2 |  | brokered >10% |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 3 | liquid assets <10% | capital falling |
| 2021-03 | 3 |  |  |
| 2021-06 | 4 | brokered >10%, capital falling | liquid assets <10% |
| 2021-09 | 2 |  | loans exceed deposits, brokered >10% |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 3 | loans exceed deposits, brokered >10% |  |
| 2022-09 | 4 | deposits shrinking |  |
| 2022-12 | 7 | liquid assets <10%, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 4 |  | deposits shrinking, liquid assets <10%, assets shrinking |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 5 | liquid assets <10% |  |
| 2024-03 | 9 | losing money, expense ratio p90, deposits shrinking, assets shrinking |  |

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

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27572 (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/52.json (key "27572", 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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