Headquartered in Irvine, California, Commerce West Bank is a state-chartered bank (fed member) with $1.2B in total assets and $1.1B in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 2001.
Based on its Q2 2026 filing, Commerce West Bank scores 61/100, which we describe as moderate. That is higher than only 24% of 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 85th. Its strongest component is problem-loan coverage (86/100; 6.8%), and its lowest is funding & liquidity (37/100; 73% loans-to-deposits, 79% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 5 points (66 → 61), mostly because the capital cushion component weakened by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 68 |
| Q4 2024 | 67 |
| Q1 2025 | 66 |
| Q2 2025 | 66 |
| Q3 2025 | 64 |
| Q4 2025 | 68 |
| Q1 2026 | 62 |
| Q2 2026 | 61 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.06% |
| Q3 2024 | 11.77% |
| Q4 2024 | 11.16% |
| Q1 2025 | 12.35% |
| Q2 2025 | 12.68% |
| Q3 2025 | 12.22% |
| Q4 2025 | 12.50% |
| Q1 2026 | 11.89% |
| Q2 2026 | 11.14% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.66% |
| Q3 2024 | 0.76% |
| Q4 2024 | 0.80% |
| Q1 2025 | 0.91% |
| Q2 2025 | 1.06% |
| Q3 2025 | 1.06% |
| Q4 2025 | 1.04% |
| Q1 2026 | 1.34% |
| Q2 2026 | 1.23% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.18% |
| Q3 2024 | 1.19% |
| Q4 2024 | 1.20% |
| Q1 2025 | 1.03% |
| Q2 2025 | 1.09% |
| Q3 2025 | 1.10% |
| Q4 2025 | 1.10% |
| Q1 2026 | 1.17% |
| Q2 2026 | 1.20% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $1.2B | 11.14% | 1.23% | 1.20% | 72.9% |
| Q1 2026 | 62 | $1.2B | 11.89% | 1.34% | 1.17% | 70.1% |
| Q4 2025 | 68 | $1.5B | 12.50% | 1.04% | 1.10% | 58.9% |
| Q3 2025 | 64 | $1.1B | 12.22% | 1.06% | 1.10% | 81.6% |
| Q2 2025 | 66 | $1.2B | 12.68% | 1.06% | 1.09% | 77.4% |
| Q1 2025 | 66 | $1.1B | 12.35% | 0.91% | 1.03% | 78.6% |
| Q4 2024 | 67 | $1.5B | 11.16% | 0.80% | 1.20% | 57.9% |
| Q3 2024 | 68 | $1.2B | 11.77% | 0.76% | 1.19% | 71.7% |
| Q2 2024 | 69 | $1.1B | 12.06% | 0.66% | 1.18% | 71.2% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pacific Coast Bankers' BankBank Walnut Creek, CA | 63 out of 100, Moderate | $1.2B | 11.3% | 0.52% | vs |
| Provident Savings Bank, F.S.B.Bank Riverside, CA | 66 out of 100, Moderate | $1.2B | 10.3% | 0.05% | vs |
| Bank of the OrientBank San Francisco, CA | 54 out of 100, Below average | $1.2B | 11.7% | 2.16% | vs |
| First General BankBank Rowland Heights, CA | 71 out of 100, Strong | $1.2B | 26.3% | 1.83% | vs |
| EverTrust BankBank City Of Industry, CA | 72 out of 100, Strong | $1.1B | 21.7% | 0.80% | vs |
| Savings Bank of Mendocino CountyBank Ukiah, CA | 86 out of 100, Very strong | $1.3B | 17.9% | 0.36% | vs |
Deposit insurance
Is my money safe at Commerce West Bank?
Yes. Commerce West Bank is an FDIC-insured institution (FDIC certificate #57176). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 79.1% of deposits ($835.5M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.14%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.71% (benchmark: 10%).
1 location
Branches
Commerce West Bank lists 1 office in 1 city. Most locations:
- Irvine, CA (1)
Identity & history
Profile
- Legal name
- Commerce West Bank
- Former names
- Commercewest Bank National Association; CommerceWest Bank, N.A.
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 57176
- RSSD ID
- 3052813
- Primary regulator
- FED
- Holding company
- Cw Bcorp
- Established
- September 24, 2001
- Headquarters
- 2445 Mccabe Way, Irvine, CA 92614
- Website
- www.cwbk.com
- Employees
- 83
Quick answers
Commerce West Bank: common questions
Is Commerce West Bank FDIC insured?
Yes. Commerce West Bank is an FDIC-insured institution (FDIC certificate #57176). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Commerce West Bank's TellerScore?
61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Commerce West Bank ever failed?
There is no failure record for FDIC certificate #57176 in the FDIC failed bank list.
How many branches does Commerce West Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Irvine
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Capital Bank and Trust CompanyBank Irvine, CA | 94 out of 100, Very strong | $266.1M | 79.3% | 0.00% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Long Beach Firemen S Credit UnionCredit union Long Beach, CA | 91 out of 100, Very strong | $201.5M | 29.4% | 0.02% | vs |
| Santa Ana Federal Credit UnionCredit union Santa Ana, CA | 90 out of 100, Very strong | $111.6M | 13.5% | 0.06% | vs |
| California International Bank, N.A.Bank Westminster, CA | 89 out of 100, Very strong | $120.9M | 13.5% | 0.00% | vs |
| Certified Federal Credit UnionCredit union El Monte, CA | 88 out of 100, Very strong | $925.3M | 20.7% | 0.37% | vs |