Community West Bancshares
For the period ended Oct 16, 2025. Filed Oct 16, 2025.
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Oct 16, 2025 · Filed Oct 16, 2025
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CWBC$25.97-0.3%Stored close · as of Nov 6, 2026
Contents
EX-99.1 · SELECTED RATIOS
SELECTED RATIOS
| Sept. 30, | Jun. 30, | Mar. 31, | Dec. 31, | Sept. 30, | |
|---|---|---|---|---|---|
| As of and for the three months ended | 2025 | 2025 | 2025 | 2024 | 2024 |
| (Dollars in thousands, except per share amounts) | |||||
| Allowance for credit losses to total loans | 1.21% | 1.20% | 1.11% | 1.11% | 1.08% |
| Non-performing assets to total assets | 0.20% | 0.20% | 0.20% | 0.18% | 0.09% |
| Total non-performing assets | $7,072 | $6,769 | $6,936 | $6,461 | $3,250 |
| Total nonaccrual loans | $7,072 | $6,769 | $6,936 | $6,461 | $3,250 |
| Total substandard loans | $67,069 | $59,073 | $47,605 | $44,294 | $39,637 |
| Total special mention loans | $24,925 | $19,706 | $17,209 | $17,384 | $28,799 |
| Net loan (recoveries) charge-offs | $(75) | $13 | $(125) | $59 | $(162) |
| Net (recoveries) charge-offs to average loans (annualized) | (0.01)% | —% | (0.02)% | 0.01% | (0.03)% |
| Book value per share | $20.77 | $19.86 | $19.53 | $19.11 | $19.19 |
| Tangible book value per share (1) | $15.27 | $14.34 | $13.97 | $13.52 | $13.60 |
| Total equity | $397,576 | $380,002 | $371,937 | $362,685 | $363,515 |
| Tangible common equity (1) | $292,232 | $274,407 | $266,092 | $256,589 | $257,618 |
| Cost of total deposits | 1.39% | 1.43% | 1.45% | 1.49% | 1.69% |
| Interest and dividends on investment securities exempt from Federal income taxes | $1,273 | $1,307 | $1,307 | $1,319 | $1,372 |
| Net interest margin (calculated on a fully tax equivalent basis) (2) | 4.20% | 4.10% | 4.04% | 3.95% | 3.69% |
| Return on average assets (3) | 1.21% | 0.88% | 0.94% | 0.78% | 0.38% |
| Return on average equity (3) | 11.25% | 8.30% | 8.97% | 7.55% | 3.84% |
| Loan to deposit ratio | 79.66% | 80.12% | 80.13% | 80.19% | 78.62% |
| Efficiency ratio | 58.47% | 62.51% | 67.38% | 67.55% | 88.37% |
| Tier 1 leverage - Bancorp | 9.52% | 9.48% | 9.36% | 9.17% | 9.38% |
| Tier 1 leverage - Bank | 11.24% | 11.25% | 11.12% | 10.94% | 11.24% |
| Common equity tier 1 - Bancorp | 11.60% | 11.42% | 11.39% | 11.15% | 11.12% |
| Common equity tier 1 - Bank | 13.90% | 13.76% | 13.75% | 13.54% | 13.55% |
| Tier 1 risk-based capital - Bancorp | 11.77% | 11.59% | 11.57% | 11.33% | 11.30% |
| Tier 1 risk-based capital - Bank | 13.90% | 13.76% | 13.75% | 13.54% | 13.55% |
| Total risk-based capital - Bancorp | 14.07% | 13.89% | 13.82% | 13.58% | 13.55% |
| Total risk based capital - Bank | 14.99% | 14.84% | 14.75% | 14.54% | 14.53% |
(1) Non-GAAP measure. See reconciliation of GAAP and Non-GAAP Financial Measures.
(2) Net Interest Margin is computed by dividing annualized quarterly net interest income by quarterly average interest-bearing assets.
(3) Computed by annualizing quarterly net income.
Community West Bancshares -- page 15
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