Commerce West Bank: how it compares with its peers
Against 36 CA banks with half to twice its assets, Commerce West Bank's strongest measure in Q2 2026 is assets per employee ($14.4M vs. a $9.9M peer median). Its weakest relative measure is net interest margin (2.94% vs. 3.80%).
| Measure | Commerce West Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.20% | 1.09% | Top third Ahead of 72% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.94% | 3.80% | Bottom third Ahead of 6% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 47.75% | 60.46% | Top third Ahead of 81% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $14.4M | $9.9M | Top third Ahead of 83% of peers |
| Loans to deposits Net loans and leases over total deposits. | 72.87% | 89.86% | Context |
What it means for lending operations
Its efficiency ratio of 47.75% is better than the 60.46% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Pacific Coast Bankers' Bank Walnut Creek, CA · $1.21B
- Provident Savings Bank, F.S.B. Riverside, CA · $1.21B
- Bank of the Orient San Francisco, CA · $1.21B
- First General Bank Rowland Heights, CA · $1.17B
- EverTrust Bank City Of Industry, CA · $1.13B
- Savings Bank of Mendocino County Ukiah, CA · $1.28B
Questions about Commerce West Bank
How big is Commerce West Bank?
Commerce West Bank, established in 2001, is headquartered in Irvine, CA. It reported $1.20B in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Commerce West Bank's return on assets?
1.20% annualized in Q2 2026, against a 1.09% median for 36 CA banks with half to twice its assets, ahead of 72% of them.
What is Commerce West Bank's efficiency ratio?
47.75% in Q2 2026: it spent about 48 cents in noninterest expense for each dollar of revenue. The peer median is 60.46%, and lower is better.
Is Commerce West Bank growing its loans?
Net loans shrank 3.8% over the year to Q2 2026, while deposits grew 2.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.