Community West Q3 EPS $0.30 vs $0.57 a year ago; NIM 4.65%, deposits up 2.45% QoQ

Community West Bancshares

Net income $8.07M, or $0.30 per diluted share, vs $10.87M and $0.57 in Q3 2025; up from $2.70M and $0.10 in Q2 2026.
Provision for credit losses $578K vs $5.64M in the trailing quarter; net interest margin 4.65% vs 4.56% in Q2, the tenth consecutive quarter of NIM expansion.
Total deposits rose $101.0M (+2.45%) QoQ and $1.1B (+36.35%) YTD after the April 1, 2026 United Security Bancshares merger; brokered deposits fell $107.5M (-24.53%).
Gross loans up $19.1M QoQ and $1.0B (+40.22%) YTD; USB loans were fair-valued at $877.8M at April 1, 2026. Cost of deposits eased to 1.27% from 1.31%.
Adjusted ROAA 1.41% vs 1.00% in Q2 and adjusted ROAE 11.61%; declared $0.12/share dividend payable Nov 20, 2026 to holders of record Nov 6.

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