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Community West Bank
Fresno, CA·FDIC Cert #23030·Charter: STATE·Est. 19800110.0·HC: COMMUNITY WEST BANCSHARES
Total Assets
$3.7B
Q4 2025
Return on Assets
1.18%
+0.06%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.89%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.18%+0.06
ROE
9.44%+0.46
Efficiency
57.89%-1.25
Equity/Assets
0.00%+0.00
NPL Ratio
0.28%-0.02
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
81.07%+2.36
Charge-offs
-0.00%+0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.1 | 0.2 | 0.4 | 1.1 | 1.0 | 1.1 | 1.2 |
| ROE | 6.8 | 0.6 | 2.1 | 3.7 | 8.6 | 8.3 | 9.0 | 9.4 |
| Efficiency | 67.2 | 74.1 | 76.1 | 72.2 | 63.4 | 61.2 | 59.1 | 57.9 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | — | 0.1 | 0.2 | 0.4 | 0.3 | 0.3 | 0.3 | 0.3 |
| Charge-offs | 0.2 | 0.1 | 0.0 | 0.0 | -0.0 | -0.0 | -0.0 | -0.0 |
| Loan/Deposit | 62.6 | 77.8 | 77.8 | 79.3 | 79.2 | 79.1 | 78.7 | 81.1 |
Balance Sheet
Total Assets$3.7B
Total Deposits$3.1B
Total Loans$2.5B
Total Equity$472.5M
Profitability
ROA1.18%
ROE9.44%
Efficiency Ratio57.89%
Net Income$42.5M
Risk & Asset Quality
NPL Ratio0.28%
Charge-off Rate-0.00%
Loan/Deposit81.07%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans