Is Commerce West Bank Safe?
Commerce West Bank has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (86/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 18.41% | 100/100 |
| Nonperforming Loan Ratio | 0.66% | 87/100 |
| Liquidity Ratio | 34.13% | 100/100 |
| Return on Assets | 1.65% | 86/100 |
| Total Assets | $1.1B | |
How does Commerce West Bank compare?
With a Bank Health Score of 95/100, Commerce West Bank sits 25.0 points above the national average of 70/100 for FDIC-insured banks. Within California, where 123 FDIC-insured banks are headquartered, Commerce West Bank ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 18.41% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.66% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Commerce West Bank's Bank Health Score held roughly steady at 95/100. Tier 1 capital was essentially flat at 18.41%. Quarter-over-quarter, the score rose by 1.0 points.
Commerce West Bank has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (86/100).