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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

Community West Bank

Fresno, California · $5.02B in assets · beside the 11 other California banks between $3B and $10B

The filing

0.73%
ROA
12th of 12
+47.7%
Loans, year over year
1st of 12, largest first
61.6%
Efficiency
11th of 12

Community West Bank is the seventh largest of the 12 California banks nearest its size between $3B and $10B, with $5.02B in assets at 30 June 2026. Loans are 85.9% of deposits, 7th of 12 against a median of 85.8%, and equity is 13.3% of assets, 5th of 12. Loans grew +47.7% in the year, the fastest in the cohort, and deposits grew 37.7%; the cohort's median loan growth is +3.9%.

Noncurrent loans are 0.56% of the book, 10th of 12 against a median of 0.33%; 0.48% is 30 to 89 days past due, and the allowance covers them 2.5 times. Net charge-offs are 0.31% of loans, the highest in the cohort. Commercial real estate is 48.3% of loans, 7th of 12 against a median of 43.5%, and 299% of capital, below the 300% screen, with construction at 39% against the 100% screen. CRE has grown +170.2% over 36 months, past the guidance's 50% prong.

Return on assets is 0.73%, the lowest in the cohort against a median of 1.37%, on an efficiency ratio of 61.6%, 11th of 12. Five years ago it was 1.39%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Return on assetsCA banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 1.37% Bo Bank of Stockton 6.07% WB Westamerica Bank 1.81% FM Farmers & Merchants Bank Central California 1.73% FS Five Star Bank 1.57% CB California Bank of Com N.A. 1.46% AB American Business Bank 1.45% CB Commercial Bank of California 1.30% RC River City Bank 1.22% RB Royal Business Bank 1.18% FB Fremont Bank 1.16% CB CTBC Bank Corp. USA 0.90% CW Community West Bank 0.73%
Loans, year over yearCA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +3.9% CW Community West Bank +47.7% FS Five Star Bank +20.3% AB American Business Bank +7.9% RC River City Bank +7.3% CB Commercial Bank of California +6.2% Bo Bank of Stockton +4.1% CB California Bank of Com N.A. +3.8% FB Fremont Bank +3.1% RB Royal Business Bank +2.3% CB CTBC Bank Corp. USA +2.2% FM Farmers & Merchants Bank Central California +2.2% WB Westamerica Bank -10.6%

SBA 7(a), FY2008 to FY2026

Community West Bank is the 72nd largest 7(a) lender into California of 512, with $157M across 455 loans, 0.2% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 120 of its 134 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Fresno, CA$32M9th of 1382.7%-2.2 pts
San Luis Obispo, CA$18M9th of 992.6%thin
Sacramento, CA$17M33rd of 1700.7%-0.1 pts
Tulare, CA$12M11th of 842.9%+1.3 pts
Santa Barbara, CA$9M14th of 1181.6%thin
San Joaquin, CA$9M26th of 1300.9%thin
Merced, CA$9M9th of 683.3%-2.2 pts
Alameda, CA$7M55th of 1790.3%quiet FY2011
King, WA$7M70th of 1930.1%thin
Gwinnett, GA$6M66th of 1690.3%quiet FY2009
Deschutes, OR$5M14th of 821.4%quiet FY2011
Los Angeles, CA$4M167th of 3080.0%quiet FY2014
Contra Costa, CA$4M66th of 1540.3%thin
121 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services138$61M25.2%0.08%196th of 2,596
Retail trade95$39M16.3%0.06%211th of 2,589
Construction87$27M11.3%0.09%187th of 2,063
Manufacturing52$23M9.8%0.06%267th of 2,246
Health care & social assistance52$23M9.5%0.05%237th of 2,172
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Community West Bank
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans CW Community West Bank 0.2% $157M · 455 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 1 CBLR filer; owner-occupied excluded; bold marks a screen met
Community West BankRankCohort median
Total CRE against capital, the 300% screen299%8th of 12224%
Construction against capital, the 100% screen39%12th of 1219%
Construction and land development, share of loans6.3%12th of 123.2%
Non-owner-occupied nonfarm nonresidential, share of loans35.5%8th of 1232.3%
Total CRE, the guidance definition, share of loans48.3%7th of 1243.5%
CRE growth over 36 months, the third prong+170.2%12th of 12+18.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
River City Bank$6.04B1.2%30.6%0.00%0.00%2.3%85.7%9.4%
Fremont Bank$5.97B1.2%73.4%0.39%0.01%1.6%90.6%7.8%
CTBC Bank Corp. USA$5.87B0.9%59.2%1.55%0.06%1.1%88.0%13.4%
Farmers & Merchants Bank Central California$5.83B1.7%44.3%0.13%0.01%2.1%72.7%11.8%
Westamerica Bank$5.77B1.8%42.5%0.12%0.14%1.6%14.0%10.5%
Five Star Bank$5.38B1.6%37.3%0.30%0.07%1.0%94.0%9.8%
Community West Bank$5.02B0.7%61.6%0.56%0.31%1.4%85.9%13.3%
Bank of Stockton$4.99B6.1%47.6%0.08%0.05%3.2%65.3%19.5%
American Business Bank$4.42B1.5%47.0%0.44%0.00%1.1%79.3%9.9%
Royal Business Bank$4.27B1.2%52.3%0.72%0.01%1.3%95.2%13.5%
California Bank of Com N.A.$4.02B1.5%54.8%0.29%0.01%1.1%92.5%15.4%
Commercial Bank of California$3.98B1.3%55.4%0.37%0.06%1.2%80.5%9.0%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Community West BankCohort median
20212026Change20212026Change
Loans$1.07B$3.54B+231%$1.95B$3.43B+76%
Deposits$1.98B$4.13B+108%$3.28B$4.45B+36%
NPA / loans0.19%0.56%+0.37 pts0.20%0.33%+0.13 pts
Efficiency56.4%61.6%+5.2 pts54.6%49.9%-4.7 pts
ROA1.39%0.73%-0.66 pts1.37%1.37%+0.01 pts

This read was prepared for Community West Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Community West Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $3B to $10B
Institution www.communitywestbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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