---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-25-002345"
form_type: "8-K"
ticker: "CWBC"
cik: "0001127371"
company_name: "Community West Bancshares"
filed_at: "2025-01-23T23:59:59+00:00"
generated_at: "2026-05-27T13:18:44.139622+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Community West Bancshares Q4 net income $6.9M ($0.36 EPS); NIM expands to 3.95%; declares $0.12 dividend

## Summary
- Net income $6.9M ($0.36 diluted EPS) in Q4 2024 vs $5.9M ($0.50) in Q4 2023; EPS decline due to share count increase from merger.
- Net interest margin improved to 3.95% in Q4 from 3.69% in Q3 2024; total cost of deposits fell to 1.49% from 1.69%.
- Gross loans increased $37.1M (6.46% annualized) during Q4; non-interest bearing deposits made up 36% of total average deposits.
- Board declared $0.12 per share cash dividend, payable Feb 21, 2025 to holders of record Feb 7, 2025.

## SEC filing metadata
- accession: 0001628280-25-002345
- form_type: 8-K
- ticker: CWBC
- cik: 0001127371
- company_name: Community West Bancshares
- filed_at: 2025-01-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1127371/000162828025002345/0001628280-25-002345-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1127371/000162828025002345/cvcy-20250123.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-002345
- JSON: https://secwatch.observer/filing/0001628280-25-002345.json
- Plain text: https://secwatch.observer/filing/0001628280-25-002345.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.