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Commerce West Bank

IDRSSD: 3052813
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 4 alerts active.

Summary

RSSD 3052813 held $1.2B in total assets as of 2026-03-31 (-16.3% quarter-over-quarter). Total loans stood at $765.5M (-2.5% QoQ) and total deposits at $1.1B (-18.1% QoQ).

Overall position is adequate — the composite Health Score is 60/100 (Adequate). Tier 1 / RWA stands at 17.98%, in the top quartile of peers. Asset quality (NPL ratio) sits in the bottom quartile of peers.

4 Quarterly Anomaly Alerts fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
60/100
Adequate
Active Alerts
4
1 critical, 1 warning
Total Assets
$1.2B
-16.3% QoQ
Total Loans
$765.5M
-2.5% QoQ
Total Deposits
$1.1B
-18.1% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
17.98%
79th pctile · n=339↑ better
+37 bp QoQ
CET1 / RWA
17.98%
86th pctile · n=500↑ better
+37 bp QoQ
Total RBC / RWA
19.23%
80th pctile · n=339↑ better
+37 bp QoQ
Tier 1 Leverage Ratio
17.98%
86th pctile · n=500↑ better
+37 bp QoQ

Liquidity

Cash / Assets
20.67%
95th pctile · n=500↑ better
-1374 bp QoQ
Loans / Deposits
70.08%
18th pctile · n=498↓ better
+1119 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
1.34%
80th pctile · n=500↓ better
+31 bp QoQ
NPA / Assets
0.84%
74th pctile · n=500↓ better
+28 bp QoQ
Texas Ratio (regulatory)
6.77%
73th pctile · n=500↓ better
+143 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
34th pctile · n=500↓ better
-33 bp QoQ
ALLL Coverage of NPL
101.14%
28th pctile · n=500↑ better
-2606 bp QoQ

Earnings

Net Interest Margin
2.84%
8th pctile · n=500↑ better
-14 bp QoQ
Return on Assets
1.17%
48th pctile · n=500↑ better
-3 bp QoQ
Return on Equity
11.50%
47th pctile · n=500↑ better
+12 bp QoQ
Efficiency Ratio
46.13%
12th pctile · n=500↓ better
-169 bp QoQ
Pre-tax NOI / Avg Assets
1.61%
58th pctile · n=500↑ better
-7 bp QoQ

Funding

Brokered / Deposits
0.27%
44th pctile · n=498↓ better
-10 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
18th pctile · n=500↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
15.21%
51th pctile · n=500↑ better
+471 bp QoQ
AFS Securities / Assets
13.11%
52th pctile · n=500↑ better
+440 bp QoQ
HTM Securities / Assets
2.15%
85th pctile · n=500↑ better
+31 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 03:40:23 UTC