**Community West Bancshares Reports Increased Net Income and Margin Expansion in 2025**

Community West Bancshares (CWBC) reported a net income of $38.17 million for the year ended December 31, 2025, a significant increase compared to the $7.67 million reported for the year ended December 31, 2024. This translates to diluted earnings per share (EPS) of $2.00, up from $0.45 in the previous year. The company's total assets reached $3.69 billion at the end of 2025, compared to $3.52 billion at the end of 2024. The increase in net income was attributed to a full year of earnings from the 2024 merger and a decrease of $8.82 million in merger-related expenses.

The company experienced growth in its loan portfolio and deposit base. Net loans increased by $202.37 million, or 8.77%, reaching $2.54 billion. Total deposits also saw a rise of 6.34%, amounting to $3.10 billion. The net interest margin (NIM) expanded to 4.15% for 2025, compared to 3.76% in 2024, driven by an increase in the yield on the loan portfolio and a decrease in the average cost of funds. The return on average equity (ROE) was 9.92% for 2025, a substantial increase from the 2.42% reported in 2024.

Strategic developments included the completion of the merger with United Security Bancshares, which is expected to further expand the company's business. The company's total market share of deposits in Fresno, Madera, San Joaquin, and Tulare counties was 4.41% in 2025, compared to 4.10% in 2024. The company operates 26 full-service banking offices in California. As of March 2, 2026, the company had a total of 341 employees.

Looking ahead, Community West Bancshares will continue to focus on deposit and loan growth, asset quality, liquidity, and capital adequacy. The company declared a cash dividend of $0.12 per common share, payable on February 20, 2026, to shareholders of record on February 6, 2026. The company's capital positions remain strong, with a Tier 1 Leverage Ratio of 9.80%, a Common Equity Tier 1 Ratio of 11.56%, a Tier 1 Risk-Based Capital Ratio of 11.73%, and a Total Risk-Based Capital Ratio of 13.97%.

About Community West Bancshares

Community West Bancshares is a California-based bank holding company operating through its subsidiary, Community West Bank. The bank provides commercial banking services including deposit accounts, commercial, real estate, agribusiness, and consumer loans, as well as private banking and cash management. Serving primarily Central and Northern California markets, it focuses on personalized service, local community engagement, and a diversified loan portfolio heavily secured by real estate.

This description was generated via AI from an annual report. Updated 8 months ago.

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