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5827 Hollister Avenue
Goleta, CA 93117

Community West Bank is headquartered in Goleta and is the 78th largest bank in the state of California. It is also the 1,200th largest bank in the nation. It was established in 1989 and as of June of 2014, it had grown to 120 employees at 7 locations. Community West Bank has a A health rating.

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Reviews (3)

Don't Ever Use This Bank.

Their lending practices are predatory and overburdonsome. Their client relations for business owners is confrontational and lacks understanding. The special assets group will send a letter immediately demanding payment of a busines loan even if your are a day late. They are unwilling to assist small business owners who are struggling to survive. 

CWB - Great Personal Service

Just as its name says, it's a community bank with great individual personal service. Everyone I've encountered on the phone or in person is personable and service-oriented. Although I like the expediency of internet banking, I also like having at least one in-person bank that knows who I am. I can appreciate why they require a branch visit to open an account.

Webite is prone to bounce you out a lot, so you have to keep re-logging until you get a feel for where the glitches are. Double clicking seems to be a culprit on some links. 

Service deserves 5+ stars, but I reluctantly docked one star for the bouncy online account. Hopefully, corporate will get that fixed soon. In the meantime, their branch's personal service tries to help offset that.


--Multiple reward accounts are allowed per individual.  (Easily added, since up to 3 of any account types per signature card. More than that probably just requires additional signature cards.)

--ChexSystems check only (no credit bureau hits).

Interest Rate Is Steady - But Website Is A NIGHTMARE!

This bank does have a better than average money market/savings rate in this economy where its hard to find a good deal.  But considering when I log on to their site to check my account once every 30 days, there is always a website problem.  When I phone for support the  next day, the cs rep doesnt know how to trouble shoot. 

Website & tech support are a joke.  But its ok to bank there. 


Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Community West Bank had $14.38 million in non-current loans and owned real-estate with $73.54 million in equity and loan loss allowances on hand to cover it. This gives Community West Bank a Texas Ratio of 19.55% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Community West Bank decreased dramatically from 31.53% as of June 30, 2013 to 19.55% as of June 30, 2014, resulting in a positive change of 37.99%.This indicates that the balance sheet and financial strength for Community West Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Community West Bank has increased its total deposits by $38.42 million, resulting in 8.83% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Community West Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Community West Bank has $557.46 million in assets with $73.54 million in equity, resulting in a capitalization level of 13.19%, which is excellent.

Institution Statistics

FDIC Certificate #27572
Year Established1989
Primary RegulatorOCC
Assets and Liabilities
Assets$557.46 million
Loans$484.06 million
Deposits$473.34 million
Equity Capital$63.04 million
Loan Loss Allowance$10.50 million
Unbacked Noncurrent Loans$14.05 million
Real Estate Owned$328,000
Historic Data - June 2013
Assets$532.79 million
Equity Capital$61.35 million
Loan Loss Allowance$12.46 million
Unbacked Noncurrent Loans$14.05 million
Real Estate Owned$3.76 million
Profit Margin - Quarterly
Return on Assets1.26%
Return on Equity10.5%
Interest Income$14.14 million
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Community West Bank Checking Account Rates

0.30%-$15kGreat Rate Checking - Qualifying
0.10%--Great Rate Checking - Non Qualifying

Community West Bank Locations
Ventura Branch1463 South Victoria AvenueVentura, CA 93003
Santa Barbara Branch1501 State StreetSanta Barbara, CA 93101
Santa Maria Branch2615 South Miller StreetSanta Maria, CA 93455
Corporate Branch445 Pine AvenueGoleta, CA 93117
Community West Bank, National Association5827 Hollister AvenueGoleta, CA 93117
Westlake Branch951 S. Westlake Blvd Ste 100Westlake Village, CA 91361