Community West Bank
Fresno, California, Fresno County
$5.0B in total assets, the 296th largest of 4,309 US banks and 24th of 120 headquartered in California.
- FDIC certificate
- 23030
- Established
- 1980
- Owned by
- Community West Bancshares
- Primary regulator
- FDIC
- Website
- www.communitywestbank.com
At a glance
Compared with 51 banks headquartered in California with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $5.0B | 74% | $2.7B | |
| Loans | $3.5B | 80% | $1.8B | |
| Deposits | $4.1B | 74% | $2.3B | |
| Return on assets | 1.08% | 33% | 1.22% | |
| Net interest margin | 4.79% | 90% | 3.80% | |
| Efficiency ratio | 59.4% | 71% | 53.5% | |
| Equity to assets | 13.30% | 69% | 11.31% | |
| Loans to deposits | 86% | 42% | 90% |
Growth
Total assets grew 17.1% a year over the last 5 years and 14.6% a year over 10 years, including 4 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Apr 2026 | United Security Bank Fresno, CA | $1.2B |
| Apr 2024 | Community West Bank, National Association Goleta, CA | $1.1B |
| Oct 2017 | Folsom Lake Bank Folsom, CA | $197M |
| Oct 2016 | Sierra Vista Bank Folsom, CA | $155M |
| Jul 2013 | Visalia Community Bank Visalia, CA | $197M |
| Nov 2008 | Service 1st Bank Stockton, CA | $231M |
| Jan 2005 | Bank of Madera County Oakhurst, CA | $68M |
Where they operate
42 branches in 13 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Fresno County, CA | $2.3B | 11.9% | 4 of 22 |
| Santa Barbara County, CA | $321M | 2.3% | 10 of 20 |
| Tulare County, CA | $257M | 3.5% | 10 of 13 |
| Sacramento County, CA | $199M | 0.3% | 19 of 30 |
| Madera County, CA | $185M | 11.4% | 4 of 9 |
| Kern County, CA | $166M | 1.5% | 11 of 15 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 21 branches since 2016 (21 to 42, +100.0%). 6 opened, 27 acquired, 12 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 21 | |||
| 2016 | Acquired Sierra Vista BankClosed Fresno | 3 | 1 | +2 | 23 |
| 2017 | Acquired Folsom Lake BankOpened Roseville, closed Gold River | 3 | 1 | +2 | 25 |
| 2018 | Closed 3 in California | 0 | 3 | −3 | 22 |
| 2019 | Opened Gold RiverClosed Fair Oaks and Rancho Cordova | 1 | 2 | −1 | 21 |
| 2022 | Closed Cameron Park | 0 | 1 | −1 | 20 |
| 2023 | Opened 3 in CaliforniaClosed 3 in California | 3 | 3 | 0 | 20 |
| 2024 | Acquired Community West Bank, National AssociationOpened Bakersfield, closed Gold River | 9 | 1 | +8 | 28 |
| 2026 through Q2 | Acquired United Security Bank | 14 | 0 | +14 | 42 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 50% | 47% | |
| Consumer | 13% | 2% | |
| 1-4 family residential | 10% | 14% | |
| Business (C&I) | 7% | 15% | |
| Multifamily | 6% | 13% | |
| Construction and land | 6% | 3% | |
| Farmland | 5% | 2% | |
| Agricultural | 2% | 1% | |
| Other | 0% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 52% | 48% | |
| Noninterest-bearing | 35% | 28% | |
| Time deposits | 13% | 23% |
Brokered deposits are 8.8% of deposits (peers 4.5%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.55% | 0.43% |
| Net charge-offs, annualized | 0.38% | 0.05% |
| Reserves to loans | 1.42% | 1.25% |
| Leverage ratio | 10.97% | 11.65% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in California
Largest competitors in Fresno County, CA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/community-west-bank-fresno-ca