TellerScore

Community West Bank (FDIC certificate #23030) is based in Fresno, California. Its Q2 2026 call report shows $5.0B in total assets and $4.1B in deposits and 42 offices.

Based on its Q2 2026 filing, Community West Bank scores 67/100, which we describe as moderate. That is higher than only 44% of 897 banks with $1 billion – $10 billion. Among 116 banks headquartered in California, it ranks 70th. Its strongest component is problem-loan coverage (92/100; 3.9%), and its lowest is earnings (55/100; 0.88%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Tier 1 leverage ratio: 10.97%
Loan quality81/100
Noncurrent loans ÷ total loans: 0.56%
Earnings55/100
Return on assets (annualized): 0.88%
Funding & liquidity56/100
Loans ÷ deposits and uninsured-deposit share: 84.7% · 32.6% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.89%

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 (72 → 67), mostly because the loan quality component weakened by 10 points.

TellerScore
657074Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202467
Q4 202466
Q1 202572
Q2 202572
Q3 202573
Q4 202574
Q1 202669
Q2 202667
Tier 1 leverage ratio
5.00%8.22%11.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.11%
Q3 202411.24%
Q4 202411.04%
Q1 202511.12%
Q2 202511.25%
Q3 202511.24%
Q4 202511.44%
Q1 202611.43%
Q2 202610.97%
Noncurrent loans
0.13%0.52%0.90%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.13%
Q3 20240.16%
Q4 20240.36%
Q1 20250.30%
Q2 20250.28%
Q3 20250.29%
Q4 20250.27%
Q1 20260.90%
Q2 20260.56%
Return on assets
0.07%0.72%1.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.07%
Q3 20240.24%
Q4 20240.44%
Q1 20251.05%
Q2 20251.02%
Q3 20251.12%
Q4 20251.18%
Q1 20261.36%
Q2 20260.88%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$5.0B10.97%0.56%0.88%84.7%
Q1 202669$3.7B11.43%0.90%1.36%80.1%
Q4 202574$3.7B11.44%0.27%1.18%81.1%
Q3 202573$3.6B11.24%0.29%1.12%78.7%
Q2 202572$3.6B11.25%0.28%1.02%79.1%
Q1 202572$3.5B11.12%0.30%1.05%79.2%
Q4 202466$3.5B11.04%0.36%0.44%79.3%
Q3 202467$3.5B11.24%0.16%0.24%77.8%
Q2 202465$3.5B11.11%0.13%0.07%77.8%

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).

Capital ratio10.97%
60th
Total risk-based capital14.18%
56th
Problem loans0.56%
47th
Net charge-offs0.38%
11th
Return on assets0.88%
22nd
Net interest margin4.79%
92nd
Efficiency ratio59.4%
49th
Loans to deposits84.7%
56th
Uninsured deposits32.6%
45th
Loan-loss reserves1.42%
82nd
Texas ratio3.9%
46th

Similar-size banks in California

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of StocktonBank Stockton, CA94 out of 100, Very strong$5.0B19.9%0.08%vs
Five Star BankBank Roseville, CA68 out of 100, Moderate$5.4B10.3%0.30%vs
American Business BankBank Los Angeles, CA69 out of 100, Moderate$4.4B11.0%0.44%vs
Westamerica BankBank San Rafael, CA78 out of 100, Strong$5.8B10.3%0.12%vs
Royal Business BankBank Los Angeles, CA68 out of 100, Moderate$4.3B12.5%0.72%vs
Farmers & Merchants Bank of Central CaliforniaBank Lodi, CA79 out of 100, Strong$5.8B11.7%0.13%vs

Deposit insurance

Is my money safe at Community West Bank?

Yes. Community West Bank is an FDIC-insured institution (FDIC certificate #23030). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.6% of deposits ($1.3B) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.97%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.18% (benchmark: 10%).

Check how much of your own balance is covered

42 locations

Branches

Community West Bank lists 37 offices in 31 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Community West Bank
Former names
Central Valley Community Bank; Clovis Community Bank
Type
State-chartered bank
FDIC certificate #
23030
RSSD ID
703767
Primary regulator
FDIC
Holding company
Community West Bancshares
Established
January 10, 1980
Headquarters
7100 N Financial Dr, Fresno, CA 93720
Employees
417

Quick answers

Community West Bank: common questions

Is Community West Bank FDIC insured?

Yes. Community West Bank is an FDIC-insured institution (FDIC certificate #23030). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Community West Bank's TellerScore?

67 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 Community West Bank ever failed?

There is no failure record for FDIC certificate #23030 in the FDIC failed bank list.

How many branches does Community West Bank have?

42 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Fresno

InstitutionScoreAssetsCapitalProblem loansCompare
Fresno Grangers Federal Credit UnionCredit union Fresno, CA98 out of 100, Very strong$25.9M24.6%0.00%vs
Educational Employees Credit UnionCredit union Fresno, CA96 out of 100, Very strong$5.4B14.6%0.20%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Fresno Police Department Credit UnionCredit union Fresno, CA89 out of 100, Very strong$49.5M23.3%0.06%vs
Murphy BankBank Fresno, CA88 out of 100, Very strong$357.2M14.9%0.39%vs
Central Valley Firefighters Credit UnionCredit union Fresno, CA87 out of 100, Very strong$49.5M13.7%0.42%vs