Community West Bancshares (NASDAQ: CWBC) highlights $5.0B in assets
Rhea-AI Filing Summary
Community West Bancshares plans to present updated financial and strategic information to investors at the KBW Summer Bank Conference in New York City on July 28–29, 2026. The investor materials describe a Central California banking franchise with $5.0 billion in total assets and $4.1 billion in deposits as of June 30, 2026, operating through 39 banking centers.
For 2026 year‑to‑date, the company reports net income of $14.2 million, diluted EPS of $0.61, net interest margin of 4.45%, ROAA of 0.66% and ROAE of 5.52%. Total gross loans are $3.5 billion with non‑performing assets at 0.56% of total assets and a Common Equity Tier 1 capital ratio of 11.41%. The presentation notes mergers with Community West effective April 1, 2024 and USB effective April 1, 2026, a 10‑year stock price CAGR of 6.10% and a 2.06% dividend yield, and includes detailed loan, deposit, capital and credit‑quality trends alongside customary forward‑looking statement cautions.
Positive
- None.
Negative
- None.
Filing Explained
The July 27 Form 8-K furnishes an investor presentation for the July 28–29 conference; the presentation is attached as Exhibit 99.1 but is not deemed filed for Section 18 liability or incorporated by reference into other SEC filings.
8-K Event Classification
2 items: 7.01, 9.01
2 items
Item 7.01
Regulation FD Disclosure
Disclosure
Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.
Item 9.01
Financial Statements and Exhibits
Exhibits
Financial statements, pro forma financial information, and exhibit attachments filed with this report.
Key Figures
Total Assets: $5.0 Billion
Net Income 2026 YTD: $14.2 Million
Diluted EPS 2026 YTD: $0.61
+7 more
10 metrics
Total Assets
$5.0 Billion
As of June 30, 2026; 2026 Q2 year-to-date overview
Net Income 2026 YTD
$14.2 Million
2026 Q2 year-to-date net income
Diluted EPS 2026 YTD
$0.61
2026 Q2 year-to-date diluted earnings per share
Net Interest Margin 2026 YTD
4.45%
2026 Q2 year-to-date net interest margin
ROAA 2026 YTD
0.66%
2026 Q2 year-to-date return on average assets
ROAE 2026 YTD
5.52%
2026 Q2 year-to-date return on average equity
Non-Performing Assets Ratio
0.56%
Non-performing assets to total assets for 2026 year-to-date
Common Equity Tier 1 Ratio
11.41%
Regulatory CET1 capital ratio for 2026 year-to-date
Total Gross Loans
$3.5 Billion
Total gross loans as of June 30, 2026, excluding deferred loan fees
Total Deposits
$4.1 Billion
Total deposits as of June 30, 2026
Key Terms
Net Interest Margin, Non-Performing Assets, Allowance for Loan Losses, Tier 1 Risk Based Capital Ratio, +1 more
5 terms
Net Interest Margin financial
"Net Interest Income and Net Interest Margin* (NIM) Growing Earnings Power"
Net interest margin measures how much a bank earns from lending and investing compared with what it pays for funding, expressed as a percentage of its interest-earning assets. Think of it like a grocery store’s markup: it shows the gap between buying cost and selling price per dollar of goods — here, the cost is interest paid and the sale is interest received. Investors watch it because a higher margin usually means a bank is more profitable and better at managing interest rate and credit conditions.
Non-Performing Assets financial
"Non-Performing Assets & Allowance for Loan Losses Non Performing Assets"
Loans or other credit exposures that are not producing expected income because borrowers have stopped making scheduled payments for a significant period (commonly around 90 days). Think of it like a business lending money that has gone quiet — the cash flow stops while the lender still carries the debt on its books. High levels of non-performing assets matter to investors because they reduce a lender’s earnings, tie up capital that could be used for growth, and signal higher risk of future losses.
Allowance for Loan Losses financial
"Non-Performing Assets & Allowance for Loan Losses Non Performing Assets ALLL/Loans"
Allowance for loan losses is money set aside by a bank to cover potential losses if some loans don’t get repaid. It helps the bank stay prepared for bad debts, much like setting aside savings for unexpected expenses. This ensures the bank remains stable even if some borrowers can’t pay back their loans.
Tier 1 Risk Based Capital Ratio financial
"11.33% 11.73% 11.53% Tier 1 Risk Based Capital Ratio"
Tier 1 risk-based capital ratio measures a bank’s core financial cushion—its highest-quality capital such as common equity—relative to the riskiness of its loans and other assets. Like comparing a household’s emergency savings to how risky its investments are, a higher ratio means the bank is better positioned to absorb losses and meet regulatory rules, which helps investors assess safety and resilience of a financial institution.
Substandard Loans financial
"Substandard Loans Substandard Loans Sub Loans/Gross Loans"
Loans labeled as substandard have clear weaknesses—such as inconsistent payments, declining borrower income, or insufficient collateral—that make full repayment doubtful without corrective action. Think of them like a car with serious mechanical issues: it still runs but is likely to break down unless fixed. For investors, a rising share of substandard loans signals higher credit losses ahead, stronger reserve needs and pressure on a lender’s profits and capital cushions.
AI-generated analysis. How Rhea-AI works. Not financial advice.
FAQ
| UNITED STATES SECURITIES AND EXCHANGE COMMISSION | ||
| Washington, D.C. 20549 | ||
FORM | ||
| CURRENT REPORT | ||
| Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 | ||
Date of Report: July 27, 2026
(Date of earliest event reported)
| (Exact name of registrant as specified in its charter) | ||||||||||||||
(State or other jurisdiction of incorporation) | (Commission File Number) | (IRS Employer Identification Number) | ||||||||||||
(Address of principal executive offices) | (Zip Code) | |||||||||||||
(Registrant’s telephone number, including area code) | ||||||||||||||
| Securities registered pursuant to Section 12(b) of the Act: | ||||||||||||||
| (Title of Each Class) | (Trading Symbol) | (Name of Each Exchange on which Registered) | ||||||||||||
Not Applicable (Former Name or Former Address, if changed since last report) | ||||||||||||||
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
Indicate by check mark whether the registrant is an emerging growth company as defined in as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act o
Item 7.01 Regulation FD Disclosure
On July 28-29, 2026, Executive Management of Community West Bancshares will meet with investors at the KBW Summer Bank Conference in New York City.
A copy of the information in the investor presentation is included as Exhibit 99.1 to this Current Report on Form 8-K and incorporated herein by reference.
The information in this Form 8-K filed on July 27, 2026 shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 or otherwise subject to the liabilities of that Section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933 or the Securities Exchange Act of 1934, regardless of any general incorporation language in such filing.
Item 9.01. Financial Statements and Exhibits
(d) Exhibits
99.1 Investor Relations Presentation of Community West Bancshares July 2026
SIGNATURE
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
| Dated: | July 27, 2026 | COMMUNITY WEST BANCSHARES By: /s/ Shannon R. Livingston Shannon R. Livingston Executive Vice President and Chief Financial Officer | ||||||
Investor Presentation KBW Summer Bank Conference July 28-29, 2026 James J. Kim Community West Bancshares and Bank President & Chief Executive Officer Shannon R. Livingston Community West Bancshares and Bank Executive Vice President, Chief Financial Officer Jeff M. Martin Community West Bank Executive Vice President, Chief Banking Officer Hinson M. Thomas Community West Bank Executive Vice President, Chief Credit Officer
Forward-Looking Statements 2 Certain matters set forth herein (including any exhibits hereto) constitute “forward- looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995, including forward-looking statements relating to the Company’s current business plans and expectations regarding future operating results. Forward-looking statements may include, but are not limited to, the use of forward-looking language, such as “likely result in,” “expects,” “anticipates,” “estimates,” “forecasts,” “projects,” “intends to,” or may include other similar words or phrases, such as “believes,” “plans,” “trend,” “objective,” “continues,” “remains,” or similar expressions, or future or conditional verbs, such as “will,” “would,” “should,” “could,” “may,” “might,” “can,” or similar verbs. These forward-looking statements are subject to risks and uncertainties that could cause actual results, performance or achievements to differ materially from those projected. These risks and uncertainties, some of which are beyond our control, include, but are not limited to: current and future business, economic and market conditions in the United States generally or in the communities we serve, including the effects of declines in property values and overall slowdowns in economic growth should these events occur; economic uncertainty attributable to the imposition of tariffs by the Trump administration; inflationary pressures and changes in the interest rate environment that reduce our margins and yields, the fair value of financial instruments or our level of loan originations, or increase the level of defaults, losses and prepayments on loans we have made and make, whether held in the portfolio or in the secondary market; effects of and changes in trade, monetary and fiscal policies and laws, including the interest rate policies of the Federal Open Market Committee of the Federal Reserve Board; geopolitical and domestic political developments that can increase levels of political and economic unpredictability, contribute to rising energy and commodity prices, and increase the volatility of financial markets; changes in the level of nonperforming assets and charge offs and other credit quality measures, and their impact on the adequacy of our allowance for credit losses and our provision for credit losses; factors that can impact the performance of our loan portfolio, including real estate values and liquidity in our primary market areas, the financial health of our commercial borrowers, and the success of construction projects that we finance; our ability to achieve loan growth and attract deposits in our market area, the impact of the cost of deposits and our ability to retain deposits; liquidity issues, including fluctuations in the fair value and liquidity of the securities we hold for sale and our ability to raise additional capital, if necessary; continued or increasing competition from other financial institutions, credit unions, and non-bank financial services companies, many of which are subject to different regulations than we are; challenges arising from unsuccessful attempts to expand into new geographic markets, products, or services; restraints on the ability of Community West Bank to pay dividends to us, which could limit our liquidity; increased capital requirements imposed by banking regulators, which may require us to raise capital at a time when capital is not available on favorable terms or at all; inaccuracies in our assumptions about future events, which could result in material differences between our financial projections and actual financial performance; changes in our management personnel or our inability to retain, motivate and hire qualified management personnel; disruptions, security breaches, or other adverse events, failures or interruptions in, or attacks on, our information technology systems; Community West Bancshares will undertake no obligation to revise or publicly release any revision or update to the forward looking statements to reflect events or circumstances that occur after the date on which statements were made. (continued) disruptions, security breaches, or other adverse events affecting the third- party vendors who perform several of our critical processing functions; an inability to keep pace with the rate of technological advances due to a lack of resources to invest in new technologies; natural disasters, such as earthquakes, drought, pandemic diseases (such as the coronavirus) or extreme weather events, any of which may affect services we use or affect our customers, employees or third parties with which we conduct business; compliance with governmental and regulatory requirements, relating to banking, consumer protection, securities and tax matters and changes in those requirements made by the Trump administration; and our ability to the manage the foregoing. The foregoing factors should not be construed as exhaustive and should be read together with the other cautionary statements included in this report. Because of these risks and other uncertainties, our actual future results, performance or achievement, or industry results, may be materially different from the results indicated by the forward looking statements in this report. In addition, our past results of operations are not necessarily indicative of our future results. You should not rely on any forward looking statements, which represent our beliefs, assumptions and estimates only as of the dates on which they were made, as predictions of future events. Any forward-looking statement speaks only as of the date on which it is made, and we do not undertake any obligation to update or review any forward-looking statement, whether as a result of new information, future developments or otherwise. Further information on other factors that could affect the financial results of the Company are included in Item 1A of the Company’s Annual Report on Form 10-K and in the Company’s other filings with the Securities and Exchange Commission (“SEC”). These documents are available free of charge at the SEC website at http://www.sec.gov.
Mission Inspire and empower our team to enrich and invest in every relationship by exceeding expectations. Values Teamwork Accountability Excellence Integrity Caring Inclusivity 3
5 Executive Officers
7 NASDAQ Symbol CWBC Market Capitalization $729 Million Institutional Ownership 58% Insider Ownership 9% Total Assets $5.0 Billion Headquarters Fresno, CA # of Banking Centers 39 Year Established 1980 Strategic Footprint Central California As of June 30, 2026. . Overview
8 202420252026 Q2 YTD $3.52 Billion$3.69 Billion$5.0 BillionTotal Assets $7.67 Million$38.17 Million$14.2 MillionNet Income $0.45$2.00$0.61Diluted EPS 3.76%4.15%4.45%Net Interest Margin 0.24%1.07%0.66%ROAA 2.42%9.92%5.52%ROAE $0.48$0.48$0.24Cash Dividends per share 6.58%6.68%6.74%Total Loan Yield 1.53%1.41%1.34%Total Cost of Deposits 0.18%0.19%0.56%NPAs to Total Assets 9.17%9.80%9.79%Leverage Capital Ratio 11.15%11.56%11.41%Common Equity Tier 1 Ratio 11.33%11.73%11.53%Tier 1 Risk Based Capital Ratio 13.58%13.97%13.63%Total Risk Based Capital Ratio Financial Highlights
Attractive Investment Opportunity Based on stock price as of June 30, 2026 Source: NASDAQ Monthly Closing Price Data 10 10 YR CAGR = 6.10% Dividend Yield – 2.06% 0 5 10 15 20 25 30 6/1/2016 6/1/2017 6/1/2018 6/1/2019 6/1/2020 6/1/2021 6/1/2022 6/1/2023 6/1/2024 6/1/2025 6/1/2026 P ri ce CWBC Stock Price
3,385 6,895 8,293 7,832 10,873 11,170 11,489 2,695 0 2,000 4,000 6,000 8,000 10,000 12,000 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 T ho us a nd s Net Income Net Income Merger with USB as of 4/1/2026 Quarterly Performance 11
28,401 26,645 25,536 7,666 38,168 14,184 0 5,000 10,000 15,000 20,000 25,000 30,000 35,000 40,000 2021 2022 2023 2024 2025 2026 YTD T ho us a nd s Net Income Net Income Merger with Community West as of 4/1/2024 11.50 14.25 13.81 2.42 9.92 5.52 - 2.00 4.00 6.00 8.00 10.00 12.00 14.00 16.00 2021 2022 2023 2024 2025 2026 YTD R O A A P e rc e nt ROAE ROAE Merger with USB as of 4/1/2026 1.25 1.09 1.04 0.24 1.07 0.66 - 0.20 0.40 0.60 0.80 1.00 1.20 1.40 2021 2022 2023 2024 2025 2026 YTD R O A A P e rc e nt ROAA ROAA Annual Performance Merger with Community West as of 4/1/2024 Merger with USB as of 4/1/2026 12 Merger with Community West as of 4/1/2024 Merger with Community West as of 4/1/2024 Merger with USB as of 4/1/2026
30,214 32,024 32,182 33,304 34,944 35,749 36,003 50,912 3.69 3.95 4.04 4.10 4.20 4.24 4.30 4.56 3.51 3.72 3.79 3.85 3.92 3.97 4.05 4.12 2.50 3.00 3.50 4.00 4.50 0 10,000 20,000 30,000 40,000 50,000 60,000 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 T ho us a nd s Net Interest Income and Net Interest Margin* (NIM) Net Interest Income Net Interest Margin NIM w/o Accretion Growing Earnings Power - Quarterly Merger with USB as of 4/1/2026 13 *Net interest margin calculated on a fully taxable equivalent
72,554 79,566 82,429 110,367 136,180 86,916 3.54 3.52 3.58 3.76 4.15 4.45 3.51 3.49 3.56 3.61 3.88 4.09 3.00 3.20 3.40 3.60 3.80 4.00 4.20 4.40 4.60 5,000 25,000 45,000 65,000 85,000 105,000 125,000 145,000 2021 2022 2023 2024 2025 2026 YTD T ho us a nd s Net Interest Income and Net Interest Margin* (NIM) Net Interest Income Net Interest Margin NIM w/o Accretion Growing Earnings Power - Annual Merger with Community West as of 4/1/2024 14 Merger with USB as of 4/1/2026 *Net interest margin calculated on a fully taxable equivalent
Loans 16 2,278,313 2,302,768 2,327,832 2,364,456 2,410,272 2,475,184 2,530,812 3,480,401 6.53 6.61 6.69 6.71 6.65 6.66 6.72 6.76 6.20 6.40 6.60 6.80 7.00 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000 3,500,000 4,000,000 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 T ho us a nd s Quarterly Average Loans and Yield on Loans Average Loans Yield on Loans 1,067,316 1,133,641 1,263,226 1,978,386 2,394,887 3,968,596 5.07 4.93 5.53 6.58 6.68 6.74 4.00 4.50 5.00 5.50 6.00 6.50 7.00 0 1,000,000 2,000,000 3,000,000 4,000,000 2021 2022 2023 2024 2025 2026 YTD T ho us a nd s Annual Average Loans and Yield on Loans Average Loans Yield on Loans
Loan Composition 17 Commercial & Industrial, 7% Agriculture Production & Land, 7% Owner Occupied Real Estate, 15% Construction & other land loans, 6% Non-Owner Occupied Commerical Real Estate, 36% Multi-family residential, 7% 1-4 family, 10% Manufactured housing, 9% Other consumer, 4% As of June 30, 2026 Excludes Deferred Loan Fees Total Gross Loans = $3.5 Billion
Credit Quality 18 3,250 6,461 6,936 6,769 7,072 6,989 22,997 27,942 1.08 1.11 1.11 1.20 1.21 1.18 1.18 1.42 0.50 0.70 0.90 1.10 1.30 1.50 1.70 0 5,000 10,000 15,000 20,000 25,000 30,000 35,000 40,000 45,000 50,000 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 P e rc en t T h ou sa nd s Non-Performing Assets & Allowance for Loan Losses Non Performing Assets ALLL/Loans
Low Levels of Criticized and Classified Assets 19 28,799 17,384 17,209 19,706 24,926 54,155 49,500 55,617 1.25 0.74 0.73 0.82 1.02 2.13 1.94 1.57 - 1.00 2.00 3.00 4.00 5.00 6.00 - 20,000 40,000 60,000 80,000 100,000 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 P e rc en t T h ou sa nd s Special Mention Loans Special Mention Loans SM Loans/Gross Loans 39,637 44,294 47,605 59,073 67,070 78,796 76,802 110,240 1.73 1.90 2.03 2.46 2.74 3.10 3.01 3.11 - 1.00 2.00 3.00 4.00 5.00 6.00 - 20,000 40,000 60,000 80,000 100,000 120,000 140,000 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 P e rc en t T h ou sa nd s Substandard Loans Substandard Loans Sub Loans/Gross Loans
Deposits 21 2,906,477 2,962,832 3,070,299 3,114,530 3,148,164 4,184,435 1.43 1.43 1.39 1.39 1.40 1.31 1.20 1.25 1.30 1.35 1.40 1.45 1.50 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 2,000,000 2,500,000 3,000,000 3,500,000 4,000,000 4,500,000 P e rc e nt T ho us a nd s Quarterly Average Total Deposits and Cost of Deposits Average Deposits Cost of Deposits 1,974,576 2,156,092 2,155,241 2,655,928 3,014,532 3,669,007 0.05 0.06 0.72 1.53 1.41 1.35 0.00 0.50 1.00 1.50 2.00 2021 2022 2023 2024 2025 2026 YTD 500,000 1,500,000 2,500,000 3,500,000 4,500,000 P e rc e nt T ho us a nd s Annual Average Total Deposits and Cost of Deposits Average Deposits Cost of Deposits
Deposits 22 Non-Interest Bearing 35% Now/Savings 24% Money Market 28% TCDs 13% As of June 30, 2026 Total Deposits = $4.1 Billion
23