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Commercewest Bank

Irvine, CA · Cert 57176 · CW Bcorp

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area3

Basis

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.

Peer group

Banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17 to 19). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

48

Q2 2024Q2 2026peer median (50)

Asset Quality

35

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

62

Q2 2024Q2 2026peer median

Efficiency

63

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Commercewest Bank

Irvine, CA · Cert 57176 · CW Bcorp

State charter, Fed member · FED · 1 branch

Q2 2026

$1.2BAssets
$779.7MLoans
$1.1BDeposits
$129.2MEquity
Loan mix
79%RE $597.9M13%C&I $101.1M7%Consumer $55.3MQ2 2025Q2 2026
Deposit mix
72%Interest-bearing $758.4M28%Noninterest $297.4MQ2 2025Q2 2026

NIM

4.67%Q2 ’244.86%Q2 ’254.64%Q2 ’26+5%-2%

Non-interest income vs. expense

1.69%Q2 ’241.86%Q2 ’251.62%Q2 ’26+13%-8%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.2% share · #43 of 107 inst. · $1.1B of $667.8B

Executive Summary

  • Earnings: ROA of 1.20%, up 11 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 1.23% of loans (+17 bps YoY), with net charge-offs at 0.09%.
  • Capital: tier 1 leverage ratio of 11.14%, down 154 bps from a year ago.
  • Funding: loans stand at 73.84% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.20%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.09%-8 bps YoY

Efficiency Ratio (YTD, annualized)

47.75%-376 bps YoY

Tier 1 Leverage Ratio

11.14%-154 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.10%1.10%1.17%1.20%+11 bps
Return on Equity10.60%10.30%10.56%11.50%11.52%+91 bps
Net Interest Margin3.16%3.13%3.15%3.10%3.09%-8 bps
Efficiency Ratio51.52%53.28%51.88%46.13%47.75%-376 bps
Non-Interest Burden1.41%1.47%1.43%1.25%1.30%-11 bps
Growth
Asset Growth (YoY)4.58%-4.24%-0.29%8.12%1.30%-328 bps
Loan Growth (YoY)13.13%7.55%0.32%-3.26%-3.88%-1,701 bps
Deposit Growth (YoY)4.29%-5.38%-1.22%8.51%2.14%-215 bps
Asset Quality
Nonperforming Loans / Loans1.06%1.06%1.04%1.34%1.23%+17 bps
Net Charge-Offs / Loans0.04%0.09%0.16%0.00%0.09%+5 bps
Allowance / Loans1.41%1.37%1.32%1.36%1.32%-10 bps
Allowance Coverage of NPLs1.3x1.3x1.3x1.0x1.1x-0.3x
Capital
Tier 1 Leverage Ratio12.68%12.22%12.50%11.89%11.14%-154 bps
Total Risk-Based Capital18.08%17.93%18.86%19.23%17.71%-38 bps
Equity / Assets11.41%12.03%9.43%11.15%10.80%-61 bps
Liquidity & Funding
Loans / Deposits78.47%82.73%59.68%71.05%73.84%-462 bps
Liquid Assets / Assets15.50%12.92%34.79%21.56%15.66%+16 bps
CRE / Total Capitaln/a319%303%294%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Commercewest Bank

Irvine, CA · Cert 57176 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19) · CW Bcorp

State charter, Fed member · FED · 1 branch

Q2 2026

$1.2BAssets
$779.7MLoans
$1.1BDeposits
$129.2MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 63% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 7 of 19).
  • Widest gap: net charge-offs / loans trails 71% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 13 of 17).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.31%

Rank 7 of 19

Net Interest Margin

3.09%

Rank 13 of 19

Efficiency Ratio

47.75%

Rank 8 of 19

Equity / Assets

10.80%

Rank 12 of 19

Non-interest income vs. expense

$3.9M$19.5MINCOMEEXPENSE
Unfavorable gap of $15.7M · efficiency ratio beats 63% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 47.75%Peer median 51.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.31%1.10%1.26%1.57%Beats 63%7 / 19
Return on Equity12.12%8.62%11.28%14.70%Beats 58%8 / 19
Net Interest Margin3.09%3.07%3.30%3.62%Beats 32%13 / 19
Efficiency Ratio47.75%33.01%51.12%56.65%Beats 63%8 / 19
Asset Quality
Nonperforming Loans / Loans1.23%0.37%0.80%1.55%Beats 41%11 / 17
Net Charge-Offs / Loans0.05%0.00%0.01%0.05%Beats 29%13 / 17
Capital
Tier 1 Capital Ratio16.46%12.10%14.67%23.92%Beats 53%9 / 19
Total Risk-Based Capital Ratio17.71%13.35%14.67%24.05%Beats 53%9 / 19
Equity / Assets10.80%9.84%11.18%14.01%Beats 37%12 / 19
Liquidity & Funding
Loans / Deposits73.84%79.34%95.16%100.04%16th pctl16 / 19
Loans / Assets65.17%69.86%77.55%83.04%16th pctl16 / 19
Brokered Deposits / Depositsn/aNot reported for this institution