C
Community West Bancshares
Period
FY 2025
Revenue
—
Net Income
$38.17M
Total Assets
$3.69B
Equity
$409.59M
Shares Out
27.13M
Op. Cash Flow
$46.12M
Business
Community West Bancshares is a bank holding company that operates Community West Bank, a California state-chartered bank providing full-service commercial banking across California from Greater Sacramento through the San Joaquin Valley to the Central Coast. The Bank offers demand and savings deposits, commercial and real estate loans, consumer loans, wire transfer services, internet banking, and specialized lending through a Real Estate Division, Agribusiness Center, and SBA Lending Division. The company operates 26 banking centers across 12 California counties with a diversified loan portfolio emphasizing real estate and commercial lending.
Summary from 10-K filed 2026-03-11
Financials
Consolidated Statement of Income
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Interest and fees on loans | 160 | 130 | 70 | 56 | 54 | |
| Interest on deposits in other banks | 4 | 4 | 4 | 391,000 | 129,000 | |
| Taxable | 16 | 20 | 23 | 20 | 14 | |
| Exempt from Federal income taxes | 5 | 5 | 6 | 7 | 6 | |
| Total interest income | 186 | 160 | 102 | 83 | 74 | |
| Interest on deposits | 43 | 41 | 16 | 1 | 1 | |
| Interest on short-term borrowings | 3 | 6 | 810,000 | 254,000 | 0 | |
| Interest on senior debt and subordinated debentures | 4 | 4 | 4 | — | — | |
| Total interest expense | 50 | 50 | 20 | 3 | — | |
| Net interest income before provision for credit losses | 136 | 110 | 82 | 80 | 73 | |
| Provision for credit losses | 4 | 11 | 309,000 | 995,000 | — | |
| Net interest income after provision for credit losses | 132 | 99 | 82 | 79 | 77 | |
| Service charges | 2 | 2 | 2 | 2 | 2 | |
| Interchange fees | 2 | 2 | 2 | 2 | 2 | |
| Appreciation in cash surrender value of bank owned life insurance | 1 | 1 | 1 | 985,000 | 840,000 | |
| Federal Home Loan Bank dividends | 960,000 | 796,000 | 498,000 | 367,000 | 321,000 | |
| Loan placement fees | 844,000 | 1 | 584,000 | 899,000 | 2 | |
| Gain on proceeds from death benefits | 198,000 | 0 | 0 | — | — | |
| Net realized (loss) gain on sale and disposal of equipment | −40,000 | 7,000 | 402,000 | 15,000 | 8,000 | |
| Net realized losses on sales and calls of investment securities | −41,000 | −4 | −907,000 | −2 | 501,000 | |
| Other income | 3 | 3 | 2 | 657,000 | 2 | |
| Total non-interest income | 10 | 6 | 7 | 5 | 9 | |
| Salaries and employee benefits | 50 | 48 | 31 | 29 | 29 | |
| Occupancy and equipment | 11 | 9 | 6 | 5 | 5 | |
| Information technology | 7 | 6 | 4 | 3 | 3 | |
| Data processing expense | 3 | 4 | 3 | 2 | 2 | |
| Professional services | 2 | 3 | 2 | 2 | 2 | |
| Regulatory assessments | 2 | 2 | 1 | 851,000 | 831,000 | |
| ATM/Debit card expenses | 2 | 2 | 757,000 | 809,000 | 818,000 | |
| Amortization of core deposit intangibles | 1 | 751,000 | 68,000 | 454,000 | 661,000 | |
| Advertising | 929,000 | 854,000 | 542,000 | 557,000 | 527,000 | |
| Directors expenses | 912,000 | 752,000 | 614,000 | 282,000 | 422,000 | |
| Loan related expenses | 839,000 | 802,000 | 478,000 | 479,000 | 516,000 | |
| Merger and acquisition expense | 798,000 | 10 | 1 | 0 | — | |
| Personnel other | 313,000 | 345,000 | 404,000 | 323,000 | 374,000 | |
| Other expense | 8 | 8 | 4 | 4 | 3 | |
| Total non-interest expenses | 90 | 95 | 55 | 48 | 48 | |
| Income before provision for income taxes | 53 | 11 | 34 | 35 | 38 | |
| Provision for income taxes | 14 | 3 | 8 | 8 | 10 | |
| Net income | 38 | 8 | 26 | 27 | 28 | |
| Basic earnings per common share (in dollars per share) | 2.01 | 0.45 | 2.17 | 2.27 | 2.32 | |
| Diluted earnings per common share (in dollars per share) | 2 | 0.45 | 2.17 | 2.27 | 2.31 | |
| Cash dividends per common share (in dollars per share) | 0.48 | 0.48 | 0.48 | 0.48 | 0.47 |
Consolidated Balance Sheet
As of · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2022 2022-03-31 |
|---|---|---|---|---|---|---|
| Cash and due from banks | 28 | 28 | 30 | 25 | — | |
| Interest-earning deposits in other banks | 91 | 92 | 24 | 6 | — | |
| Total cash and cash equivalents | 119 | 120 | 54 | 31 | — | |
| Available-for-sale debt securities, at fair value, net of allowance for credit losses of $0, with an amortized cost of $509,083 at December 31, 2025 and $536,334 at December 31, 2024, respectively | 469 | 477 | 597 | 649 | — | |
| Held-to-maturity debt securities, at amortized cost less allowance for credit losses of $440 at December 31, 2025 and $1,156 at December 31, 2024, respectively | 287 | 301 | 302 | — | 307 | |
| Equity securities, at fair value | 7 | 7 | 7 | 7 | — | |
| Loans, less allowance for credit losses of $30,071 at December 31, 2025 and $25,803 at December 31, 2024, respectively | 2,511 | 2,308 | 1,276 | — | — | |
| Bank premises and equipment, net | 24 | 24 | 14 | 8 | — | |
| Bank owned life insurance | 54 | 53 | 42 | 41 | — | |
| Federal Home Loan Bank stock | 11 | 11 | 7 | 6 | — | |
| Goodwill | 97 | 97 | 54 | 54 | — | |
| Core deposit intangibles | 8 | 9 | 0 | 68,000 | — | |
| Accrued interest receivable and other assets | 103 | 113 | 81 | 77 | — | |
| Total assets | 3,690 | 3,522 | 2,433 | 2,423 | — | |
| Non-interest bearing | 1,059 | 981 | 952 | 1,057 | — | |
| Interest bearing | 2,037 | 1,930 | 1,090 | 1,043 | — | |
| Total deposits | 3,095 | 2,911 | 2,042 | 2,100 | — | |
| Borrowings | 73 | 133 | 80 | — | — | |
| Senior debt and subordinated debentures, net | 70 | 70 | — | — | — | |
| Accrued interest payable and other liabilities | 43 | 45 | 35 | 33 | — | |
| Total liabilities | 3,281 | 3,159 | 2,226 | 2,248 | — | |
| Commitments and contingencies (Note 12) | — | — | — | — | — | |
| Preferred stock, no par value; 10,000,000 shares authorized, none issued and outstanding | 0 | 0 | 0 | 0 | — | |
| Retained earnings | 239 | 210 | 211 | 194 | — | |
| Accumulated other comprehensive loss, net of tax | −40 | −55 | −66 | −81 | — | |
| Total shareholders equity | 410 | 363 | 207 | 171 | — | |
| Total liabilities and shareholders equity | 3,690 | 3,522 | 2,433 | 2,423 | — |
Consolidated Statement of Cash Flows
Year Ended · In millions, except per-share amounts
| Concept | Trend | FY 2025 2025-12-31 | FY 2024 2024-12-31 | FY 2023 2023-12-31 | FY 2022 2022-12-31 | FY 2021 2021-12-31 |
|---|---|---|---|---|---|---|
| Net decrease (increase) in deferred loan costs | 1 | −200,000 | 786,000 | −422,000 | −3 | |
| Depreciation | 3 | 2 | 891,000 | 755,000 | 897,000 | |
| Accretion of discounts on investment securities | −2 | −2 | −2 | −2 | — | |
| Amortization of premiums on investment securities | 8 | 9 | 9 | 10 | — | |
| Amortization of debt issuance costs | 145,000 | 145,000 | 145,000 | 145,000 | — | |
| Accretion of premiums and discounts on acquired loans, net | −11 | −10 | −325,000 | −521,000 | — | |
| Amortization of fair value marks on liabilities assumed | 3 | 5 | 0 | 0 | — | |
| Stock-based compensation | 1 | 879,000 | 858,000 | 776,000 | 562,000 | |
| Net realized losses on sales and calls of AFS securities | 41,000 | 4 | 907,000 | 2 | −501,000 | |
| Net loss (gain) on sale and disposal of equipment | 40,000 | −7,000 | −402,000 | −15,000 | −8,000 | |
| Net gain on sale of foreclosed assets | −39,000 | 0 | 0 | — | — | |
| Net change in equity investments | −211,000 | 63,000 | −91,000 | 858,000 | 218,000 | |
| Increase in bank-owned life insurance, net of expenses | −1 | −1 | −1 | −985,000 | −840,000 | |
| Gain on proceeds from death benefits | 198,000 | 0 | 0 | — | — | |
| Net decrease (increase) in accrued interest receivable and other assets | 5 | 982,000 | −9 | −7 | −2 | |
| Net (decrease) increase in accrued interest payable and other liabilities | −6 | −6 | 2 | −7 | 9 | |
| Provision (benefit) for deferred income taxes | 2 | −867,000 | 110,000 | 224,000 | 1 | |
| Net cash provided by operating activities | 46 | 22 | 28 | 24 | 43 | |
| Net cash and cash equivalents acquired in acquisition | 0 | 59 | 0 | 0 | — | |
| Purchases of available-for-sale investment securities | −7 | 0 | 0 | −302 | −496 | |
| Proceeds from sales or calls of AFS securities | 500,000 | 64 | 26 | 252 | 26 | |
| Proceeds from calls of HTM securities | 14 | 20,000 | 35,000 | 0 | 0 | |
| Proceeds from maturity and principal repayment of AFS securities | 29 | 60 | 38 | 68 | 55 | |
| Proceeds from principal repayments of HTM securities | 2 | 2 | 2 | 1 | 0 | |
| Net increase in loans | −197 | −113 | −35 | −216 | 61 | |
| Proceeds from sale of foreclosed assets | 206,000 | 0 | 0 | — | — | |
| Purchases of premises and equipment | −3 | −5 | −10 | −362,000 | −1 | |
| Purchases of bank owned life insurance | 0 | −1 | 0 | 0 | 10 | |
| FHLB stock purchased | 0 | −350,000 | −967,000 | −574,000 | 0 | |
| Proceeds from sale of premises and equipment | 117,000 | 22,000 | 3 | 15,000 | 9,000 | |
| Net cash (used in) provided by investing activities | −161 | 64 | 25 | −197 | −365 | |
| Net increase (decrease) in demand, interest-bearing and savings deposits | 124 | 37 | −152 | −1 | 400 | |
| Net increase (decrease) in time deposits | 59 | −14 | 94 | −22 | 184,000 | |
| Proceeds from borrowings from Federal Home Loan Bank | 1,467 | 972 | 3,412 | 2,453 | 0 | |
| Repayments of borrowings to Federal Home Loan Bank | −1,529 | −962 | −3,423 | −2,407 | 0 | |
| Proceeds from borrowings from other financial institutions | 0 | 0 | 117 | 0 | 0 | |
| Repayments of borrowings from other financial institutions | 0 | −45 | −72 | 0 | 0 | |
| Repayments of senior debt | −508,000 | 0 | 0 | — | — | |
| Purchase and retirement of common stock | −151,000 | −38,000 | −1,000 | −7 | 14 | |
| Proceeds from stock issued under employee stock purchase plan | 306,000 | 248,000 | 206,000 | 216,000 | 204,000 | |
| Proceeds from exercise of stock options | 1 | 465,000 | 0 | 489,000 | 257,000 | |
| Cash dividend payments on common stock | −9 | −8 | −6 | −6 | −6 | |
| Net cash provided by (used in) financing activities | 113 | −20 | −29 | 41 | 415 | |
| (Decrease) increase in cash and cash equivalents | −1 | 67 | 23 | −132 | 93 | |
| Interest | 46 | 49 | 20 | 3 | 1 | |
| Income taxes, net of refunds | 8 | 3 | 8 | 8 | 8 | |
| Operating cash flows from operating leases | 4 | 3 | 2 | 2 | 2 | |
| Unrealized gain on securities available for sale | 20 | 13 | 19 | −128 | −10 | |
| Loans transferred to foreclosed assets | 201,000 | 0 | 0 | — | — | |
| Right-of-use assets obtained in exchange for lease liabilities | 4 | 5 | 0 | — | — | |
| Assets acquired | 0 | 1,041 | 0 | 0 | — | |
| Liabilities assumed | 0 | −940 | 0 | 0 | — |
Filings
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Frequently asked questions
What is Community West Bancshares's CIK number?
Community West Bancshares's SEC CIK number is 0001127371 (1127371). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.
Where can I find Community West Bancshares's SEC filings?
All of Community West Bancshares's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.
When did Community West Bancshares last report earnings?
Community West Bancshares (CWBC) most recently filed an earnings 8-K with the SEC on Apr 23, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001628280-26-026843). This is Community West Bancshares's most recent earnings filing of record — not a forecast of its next earnings date.
What is Community West Bancshares's most recent earnings 8-K?
Community West Bancshares's latest earnings 8-K (Item 2.02) was filed Apr 23, 2026 under accession 0001628280-26-026843. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.
View Community West Bancshares's latest earnings 8-K →
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