Community West Bancshares is a California-based bank holding company that operates Community West Bank, providing commercial and real-estate-focused banking services across Central California with $3.69 billion in consolidated assets as of December 31, 2025.

# Community West Bancshares

## Corporate structure and history
- Community West Bancshares is a bank holding company regulated by the Federal Reserve.
- The Bank subsidiary is Community West Bank. In 2024, Central Valley Community Bancorp merged with Community West Bancshares; Community West Bank merged into Central Valley Community Bank, and the surviving bank’s name changed to Community West Bank. The holding company name remained Community West Bancshares.
- As of December 31, 2025, the Bank is the sole banking subsidiary of the Company.

## Primary business activities
- The Company conducts banking operations exclusively through the Bank.
- The Bank provides a full range of commercial banking services, including:
  - Accepting demand, savings, and time deposits
  - Making commercial, real estate, and consumer loans
  - Domestic and international wire transfer services
  - Internet banking (account inquiry, bill pay, transfers, and cash management)
- Specialized divisions and services:
  - Real Estate Division
  - Agribusiness Center
  - SBA Lending Division
  - Private Banking and Cash Management Departments
- The Bank does not offer trust services or international banking services and does not plan to in the near term.

## Market and footprint
- Geographic focus: California, concentrated in Central California and the Central Coast, with strong exposure to agricultural communities.
- Branch network: 26 full-service banking offices in California. Named locations include Bakersfield, Clovis, Exeter, Folsom, Fresno, Goleta, Kerman, Lodi, Madera, Merced, Modesto, Oakhurst, Oxnard, Paso Robles, Prather, Roseville, Sacramento, San Luis Obispo, Santa Barbara, Santa Maria, Stockton, Ventura, and Visalia. Additional offices exist beyond the named locations.

## Financial snapshot (as of December 31, 2025)
- Consolidated total assets: $3,690,317,000.
- Loans (net of deferred fees): $2,541,000,000 (approx.).
  - Loan breakdown:
    - Commercial and Industrial: $156,744,000
    - Agricultural land and production: $34,152,000
    - Real estate: $1,934,324,000
    - Consumer: $415,350,000
  - Real estate-related loans comprise 76.1% of loans held for investment.
  - Geographic concentration of lending is in California counties including Fresno, Kern, Madera, Merced, Placer, Sacramento, San Joaquin, San Luis Obispo, Santa Barbara, Stanislaus, Tulare, and Ventura.
- Securities portfolio: $763,324,000 (approx.).
- Net unrealized loss on available-for-sale investments: $39,881,000.
- Non-performing assets: 0.19% of total assets.
- Non-performing loans and leases: 0.27% of total loans and leases.
- Allowance for credit losses on loans: 1.18% of loans.
- Provision for credit losses for the year ended December 31, 2025: $3,754,000.
- Market share (FDIC-based deposits):
  - Fresno, Madera, San Joaquin, and Tulare counties: 4.41% in 2025 (up from 4.10% in 2024).
  - San Luis Obispo, Santa Barbara, and Ventura counties: 1.21% in 2025.

## Employees
- As of December 31, 2025: approximately 338 employees (327 full-time, 10 part-time, 1 on-call).
- As of March 2, 2026: 341 employees and 327 full-time equivalents (including Bank staff).

## Regulation and capital
- The Bank is regulated by the California Department of Financial Protection and Innovation (DFPI) and the Federal Deposit Insurance Corporation (FDIC); the Company is regulated by the Federal Reserve.
- The Company and the Bank are described as well-capitalized under applicable federal capital standards. Applicable capital requirements and dividend payments remain subject to regulatory constraints.

Community West Bancshares is a bank holding company for Community West Bank, providing full banking services primarily in Central California.

# Company Overview: Community West Bancshares

### General Information
- **Name:** Community West Bancshares
- **Incorporation Date:** February 7, 2000
- **Primary Business:** Bank holding company for Community West Bank
- **Market Area:** Operates primarily in Central California, from Sacramento to Bakersfield, including the Central Coast region.

### Operations
- **Subsidiaries:** Only subsidiary is Community West Bank, which operates as a full-service bank.
- **Banking Centers:** 26 full-service banking offices located in various California cities including Fresno, Bakersfield, Clovis, and Goleta.

### Employees
- **Total Employees:** Approximately 355 as of March 1, 2025, including 346 full-time employees.

### Financial Highlights (as of December 31, 2024)
- **Total Assets:** $3.52 billion
- **Total Loans:** $2.33 billion, a substantial increase of 80.8% from the previous year.
- **Total Deposits:** $2.91 billion, an increase of 43% from the prior year.
- **Shareholders’ Equity:** $362.7 million, an increase of 75% compared to $207.1 million in the previous year.
- **Net Income:** $7.67 million for 2024, down from $25.54 million in 2023.
- **Diluted Earnings Per Share (EPS):** $0.45 for 2024, compared to $2.17 in 2023.
- **Return on Average Equity (ROE):** 2.42% for 2024 compared to 13.81% in 2023.
- **Return on Average Assets (ROA):** 0.24% for 2024, down from 1.04% in 2023.

### Customers
- **Number of Customers:** Approximately 979 shareholders of record.
- **Deposit Market Share:** 
  - Fresno, Madera, San Joaquin, and Tulare counties: 4.10% in 2024
  - San Luis Obispo, Santa Barbara, and Ventura counties: 1.61% in 2024

### Services Offered
- **Commercial Banking:** Acceptance of demand, savings, and time deposits, as well as making commercial, real estate, and consumer loans.
- **Loan Types:** Commercial and industrial loans, agricultural loans, real estate loans (including construction, commercial, and residential), and consumer loans (including manufactured housing).
- **Other Services:** Internet banking, domestic/international wire transfers, cash management, and private banking.

### Recent Developments
- **Merger:** Effective April 1, 2024, Community West Bancshares completed a merger with Central Valley Community Bancorp, significantly expanding its asset base and banking operations.

### Business Strategy
The Company focuses on:
- Maintaining strong asset quality and capital adequacy.
- Providing competitive products and services.
- Adjusting to regulatory changes impacting the banking industry.

This snapshot outlines the core operations, financial performance, and strategic focus of Community West Bancshares, providing insights into its role in the California banking landscape.

Community West Bancshares is a California-based bank holding company providing a diverse range of commercial banking services through its subsidiary, Central Valley Community Bank.

# Community West Bancshares Overview

**Business Type:** Central Valley Community Bancorp (operating as Community West Bancshares) is a bank holding company based in California, which provides a full range of commercial banking services primarily through its wholly-owned subsidiary, Central Valley Community Bank.

## Services Offered
- **Commercial Lending:** The bank primarily serves small and middle-market businesses with loan products, including commercial and industrial loans, agricultural loans, and real estate loans.
- **Deposit Products:** Offers various deposit accounts including checking accounts, savings accounts, money market deposits, and certificates of deposit.
- **Customer Services:** Provides treasury management, online banking solutions, mobile banking, and other financial services to both individuals and businesses.

## Operational Details
- **Number of Locations:** The bank operates 19 full-service offices throughout California’s San Joaquin Valley and Greater Sacramento Region.
- **Employee Base:** The bank employs approximately 181 individuals as of year-end December 31, 2023.

## Financial Summary (for the year ended December 31, 2023)
- **Total Revenue:** Approximately **$102.4 million**, reflecting an increase from the previous year.
- **Net Income:** Recorded a net income of **$25.5 million**, compared to **$26.6 million** in the previous fiscal year.
- **Total Assets:** Approximately **$2.43 billion** indicating a stable financial standing within the previous year’s asset levels.
- **Total Deposits:** Total deposits stood at **$2.041 billion**, showing a decrease from prior years.
  
## Customer Base
- The bank primarily targets small to middle-market businesses and individual consumers, maintaining customer relationships through personalized service and specialized banking needs tailored to the local market conditions.

## Market Position
Through its comprehensive range of services and community-focused banking methods, Central Valley Community Bancorp has positioned itself as a reliable banking partner for both individuals and businesses in its operational geography. The company is noted for its strong capital ratios, customer service, and commitment to community banking.

## Strategic Goals
- To expand its service offerings and improve overall customer satisfaction.
- Focus on enhancing technology and digital banking to attract younger customer demographics.
- Continue to strengthen financial performance and maintain regulatory compliance while navigating market dynamics.

This summary provides an insight into the operations and financial standing of Community West Bancshares, highlighting its core services, market presence, and performance metrics for stakeholders and interested parties.

Community West Bancshares

10-K / March 11, 2026

10-K / March 17, 2025

10-K / October 2, 2024

10-K / March 11, 2026

Community West Bancshares

Corporate structure and history

Primary business activities

Market and footprint

Financial snapshot (as of December 31, 2025)

Employees

Regulation and capital