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 | |