# COMMERCE WEST BANK
IRVINE, CA · FDIC certificate 57176 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $1.20B | |
| Deposits | $1.06B | |
| Loans and leases | $779.7M | |
| Total equity | $129.2M | |
| Loans / deposits | 72.87% (p21 of band) | 87.10% |
| Liquid assets / assets | 32.81% (p80 of band) | |
| Uninsured deposits / deposits | 79.13% (p99 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.14% (p62 of band) | 10.50% |
| Unrealized securities loss / equity | -9.67% (p41 of band) | -7.75% |
| AOCI / equity | -0.53% (p33 of band) | |
| ROA (annualized) | 1.20% (p45 of band) | 1.26% |
| Net interest margin | 2.94% (p14 of band) | 3.70% |
| Efficiency ratio | 47.75% (p19 of band) | |
| Noncurrent loans | 1.23% (p78 of band) | 0.51% |
| Net charge-offs (annualized) | 0.05% (p63 of band) | |
| Reserve coverage of noncurrent | 107.35% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 7.62% (p9 of band) | |
| Auto loans | $53.9M (6.92% of loans; DQ 0.04%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 83 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2011-06 | 1 |  | wholesale funding >15% |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | capital falling |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 0 |  | brokered >10%, capital falling |
| 2013-03 | 2 | uninsured deposits >50%, brokered >10% |  |
| 2013-06 | 1 |  | uninsured deposits >50% |
| 2013-09 | 0 |  | brokered >10% |
| 2013-12 | 1 | uninsured deposits >50% |  |
| 2014-03 | 2 | capital falling |  |
| 2014-06 | 1 |  | uninsured deposits >50% |
| 2014-09 | 1 | uninsured deposits >50% | capital falling |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | brokered >10%, capital falling | uninsured deposits >50% |
| 2015-06 | 2 | uninsured deposits >50% | capital falling |
| 2015-09 | 1 |  | brokered >10% |
| 2015-12 | 2 | capital falling |  |
| 2016-03 | 1 |  | capital falling |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 1 |  | capital falling |
| 2017-06 | 2 | brokered >10% |  |
| 2017-09 | 3 | capital falling, charge-offs p90 | brokered >10% |
| 2017-12 | 3 |  |  |
| 2018-03 | 1 |  | capital falling, charge-offs p90 |
| 2018-06 | 3 | run vulnerability, charge-offs p90 |  |
| 2018-09 | 2 |  | run vulnerability |
| 2018-12 | 2 | capital falling | charge-offs p90 |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 | capital falling | uninsured deposits >50% |
| 2019-12 | 2 | uninsured deposits >50% |  |
| 2020-03 | 2 | charge-offs p90 | capital falling |
| 2020-06 | 2 |  |  |
| 2020-09 | 4 | leverage <7%, capital falling |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 2 | NIM <2.5% | charge-offs p90, leverage <7%, capital falling |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | NIM <2.5% |
| 2022-06 | 1 |  |  |
| 2022-09 | 3 | deposits shrinking, assets shrinking |  |
| 2022-12 | 1 |  | deposits shrinking, assets shrinking |
| 2023-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-09 | 3 | deposits shrinking, assets shrinking |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 1 |  | deposits shrinking, assets shrinking |
| 2024-06 | 2 | deposits shrinking |  |
| 2024-09 | 2 | capital falling | deposits shrinking |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 2 | deposits shrinking |  |
| 2025-12 | 1 |  | deposits shrinking |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | capital falling |  |

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

- 2025-07-01 [CommerceWest Bank Achieves Elite #6 Spot in American Banker Top 20 Performance Rankings - Stock Titan](https://news.google.com/rss/articles/CBMivwFBVV95cUxNOU1BVGpKcTFLMExCcFJxaU5ZZmhpZ200c09NNjNqeWFRSFEyRTZSWHFfc2FsNkRBR2E2eUFEYzM1bnljaWJaRDdjYmdJVkVETlBUN3BxVUlGTDBDa25CQU9ETFR0NEFfV19SbG1JYVJTUXNzSlAyUXFPVlk4M3dxVGtSQklxZVVWRTh2QmpRVUh5c0d0S0hBemNzd25lYy1CRjRvVXBlQkUya0p3b280TVdHQmxCczhDcTlualNFOA?oc=5) · Stock Titan
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - California - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxPbG82S28tWDRWcmVTSGtHM1A2ZDRvTjlrTUJGLUxudnBZSlZwNG5uSk12eFQ1M09ULTYtTFVaU3FJeFlEam53MHZqSDV5ZDRTUk9zRUJEVHBBbzVpRUxnV2s0VXFkc0lzZUxXS1A0YWZHaVMyNXE3Wm5RdG1qX2dBclE0cE5TaDZibmpuVkpiM3diUQ?oc=5) · Newsweek Rankings
- 2015-04-10 [The Crowd: The gentlemen’s club of the future - Los Angeles Times](https://news.google.com/rss/articles/CBMiogFBVV95cUxPMXlXNWFLbFdNMHdLcW5nbFdoX3VONDdUV1dwZWZTR2x3U0NWb0pTS2pFdktKWDdNNjlucGNIR1RLQ0ZTSHo4cTZWY3VFT0ZsYlp5RzRWcEtrOTR2TDU1TW1GZ1QxRWxESlZtVjh5eTl5V19JdmF6NkR2NDJETFREWXhMTUdOSDlBSmtyZnJZcERhUFlXLVpiWDQtUTEzREtfdlE?oc=5) · Los Angeles Times
- 2025-12-18 [California - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxOTGxlNEF4aW9OOVBlYVYxTjRYMDRvUHFnM3RSZjR0MWpGYi1MbXZHdU5RREhWalRxUENSYlZyQUQ0M1haYThOaWRZSHl5LWVselpYOUpBWmNnOHdaWWJxTXdiczhfc0hOcjFKZ1A1amtUT2k5UU0wRWd6Wk41aEJGOF9MOFBJZE5BeU51XzVyck1PUQ?oc=5) · Newsweek Rankings
- 2008-10-15 [Gathering nets $130,000 for Canyon Acres - Orange County Register](https://news.google.com/rss/articles/CBMigwFBVV95cUxNSEw4OVdTODVqTG9NUWhwbVQyc2o0aWhQX1VibEVmYU54V0R0M0VYXzR2NHdQMm5SNjZRNlhGaVd6cl9iUlVnc3MyV0xoeWtyNjRWcW95SklTWGFBMkdGZElJdHV2RVZQT0FYOExQWk5fZWN1WlJfQjNycDNhSDl6OWNMaw?oc=5) · Orange County Register
- 2025-04-08 [Best Banks and Credit Unions in California 2024 - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxONWFxRkExWV9IblE1OXl5eFotT1dhMHZRdHpzc1dWU1JvUGI2dF9YNXMtcmZGdE5JUkU3eTh4aWgxT2lIWDlTcUpfdGpSUUY2c251amFFX2VrVUstYVVZbzhwdndHS3JONjM5WlF2MDNNMXVvQ3Q4dlJJN19jMmFEMy1Rc1VtMm5ua0o5UnQ4RUJFZw?oc=5) · Newsweek Rankings

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57176 (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/24.json (key "57176", 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