Fresno, CA · Cert 23030 · Community West Bancshares
State charter, non-member · FDIC · 42 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
59
Asset Quality
25
Profitability
30
Liquidity
98
Efficiency
44
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Fresno, CA · Cert 23030 · Community West Bancshares
State charter, non-member · FDIC · 42 branches
Q2 2026
Market Position · Fresno, CA · 2026 SOD (annual) · 11.9% share · #4 of 22 inst. · $2.5B of $21.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.24% | 0.44% | 1.05% | 1.02% | 1.12% | 1.18% | 1.36% | 0.88% | -15 bps | |
| Return on Equity | 2.07% | 3.69% | 8.61% | 8.28% | 8.98% | 9.44% | 10.58% | 6.71% | -157 bps | |
| Net Interest Margin | 3.29% | 3.36% | 3.86% | 3.90% | 3.89% | 3.95% | 4.14% | 3.75% | -14 bps | |
| Efficiency Ratio | 76.07% | 72.17% | 63.36% | 61.15% | 59.14% | 57.89% | 55.47% | 59.36% | -179 bps | |
| Non-Interest Burden | 2.38% | 2.30% | 2.31% | 2.25% | 2.15% | 2.14% | 2.15% | 2.13% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 45.00% | 44.68% | 46.96% | 2.54% | 2.18% | 4.74% | 4.15% | 40.62% | +3,808 bps | |
| Loan Growth (YoY) | 80.11% | 80.84% | 82.41% | 6.33% | 6.70% | 8.85% | 8.70% | 47.70% | +4,137 bps | |
| Deposit Growth (YoY) | 35.97% | 42.53% | 44.28% | 4.44% | 5.28% | 6.39% | 7.38% | 37.73% | +3,329 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.16% | 0.36% | 0.30% | 0.28% | 0.29% | 0.27% | 0.90% | 0.56% | +28 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | -0.02% | -0.01% | -0.01% | 0.00% | -0.01% | 0.31% | +32 bps | |
| Allowance / Loans | 1.08% | 1.11% | 1.11% | 1.20% | 1.21% | 1.18% | 1.18% | 1.39% | +20 bps | |
| Allowance Coverage of NPLs | 6.6x | 3.1x | 3.8x | 4.2x | 4.2x | 4.3x | 1.3x | 2.5x | -1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.24% | 11.04% | 11.12% | 11.25% | 11.24% | 11.44% | 11.43% | 10.98% | -27 bps | |
| Total Risk-Based Capital | 14.60% | 14.54% | 14.76% | 14.92% | 14.99% | 14.77% | 14.88% | 13.79% | -114 bps | |
| Equity / Assets | 12.18% | 12.19% | 12.32% | 12.49% | 12.84% | 12.82% | 12.91% | 13.30% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.60% | 80.18% | 80.07% | 80.10% | 79.67% | 82.04% | 81.05% | 85.90% | +580 bps | |
| Liquid Assets / Assets | 11.54% | 11.22% | 11.68% | 10.59% | 10.24% | 10.28% | 10.11% | 8.15% | -244 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 389% | 402% | 394% | n/a | n/a | |
Fresno, CA · Cert 23030 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Community West Bancshares
State charter, non-member · FDIC · 42 branches
Q2 2026
Return on Assets
0.72%
Rank 224 of 258
Net Interest Margin
3.75%
Rank 82 of 258
Efficiency Ratio
61.59%
Rank 144 of 257
Equity / Assets
13.30%
Rank 32 of 258
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.72% | 0.93% | 1.23% | 1.54% | Beats 13% | 224 / 258 | ||
| Return on Equity | 5.42% | 9.26% | 11.84% | 14.74% | Beats 8% | 238 / 258 | ||
| Net Interest Margin | 3.75% | 3.16% | 3.49% | 3.88% | Beats 68% | 82 / 258 | ||
| Efficiency Ratio | 61.59% | 51.71% | 60.30% | 69.65% | Beats 44% | 144 / 257 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.56% | 0.19% | 0.46% | 0.90% | Beats 38% | 160 / 258 | ||
| Net Charge-Offs / Loans | 0.16% | 0.01% | 0.02% | 0.07% | Beats 12% | 228 / 258 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.55% | 11.41% | 12.98% | 15.12% | Beats 42% | 149 / 258 | ||
| Total Risk-Based Capital Ratio | 13.79% | 12.10% | 13.91% | 16.08% | Beats 48% | 133 / 258 | ||
| Equity / Assets | 13.30% | 9.09% | 10.24% | 11.72% | Beats 88% | 32 / 258 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.90% | 73.24% | 86.34% | 95.95% | 48th pctl | 133 / 258 | ||
| Loans / Assets | 70.53% | 63.01% | 72.27% | 78.40% | 44th pctl | 144 / 258 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||