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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

(Mark One)

☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

FOR THE QUARTERLY PERIOD ENDED SEPTEMBER 30, 2025

☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

FOR THE TRANSITION PERIOD FROM TO

COMMISSION FILE NUMBER: 000-31977

COMMUNITY WEST BANCSHARES

(Exact name of registrant as specified in its charter)


California						77-0539125
(State or other jurisdiction of incorporation or organization)						(I.R.S. Employer Identification No.)


7100 N. Financial Dr., Suite 101, Fresno, California						93720
(Address of principal executive offices)						(Zip code)

Registrant’s telephone number (559) 298-1775

Securities registered pursuant to Section 12(b) of the Act:

Common Stock, no par value

CWBC

NASDAQ Capital Market

(Title of Each Class)

(Trading Symbol)

(Name of Each Exchange on which Registered)

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15 (d) of the Securities Exchange Act of 1934 during the past 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). Yes ☒ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer

☐

Accelerated filer

☒

Emerging growth company

☐

Non-accelerated filer

☐

Small reporting 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 ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒

As of November 6, 2025 there were 19,158,428 shares of the registrant’s common stock outstanding.

COMMUNITY WEST BANCSHARES

2025 QUARTERLY REPORT ON FORM 10-Q

TABLE OF CONTENTS


PART 1	FINANCIAL INFORMATION	5

ITEM 1	FINANCIAL STATEMENTS (Unaudited)	5

ITEM 2	MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS	40

ITEM 3	QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK	58

ITEM 4	CONTROLS AND PROCEDURES	58

PART II	OTHER INFORMATION	59

ITEM 1	LEGAL PROCEEDINGS	59

ITEM 1A	RISK FACTORS	59

ITEM 2	UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS	59

ITEM 3	DEFAULTS UPON SENIOR SECURITIES	59

ITEM 4	MINE SAFETY DISCLOSURES	59

ITEM 5	OTHER INFORMATION	59

ITEM 6	EXHIBITS	60

SIGNATURES		61

CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS

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;

•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, competition for deposits, 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;

•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

•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.

PART 1: FINANCIAL INFORMATION

ITEM 1: FINANCIAL STATEMENTS

COMMUNITY WEST BANCSHARES

CONSOLIDATED BALANCE SHEETS

(Unaudited)


(In thousands, except share amounts)	September 30, 2025		December 31, 2024

ASSETS
Cash and due from banks	$	39,823	$	28,029
Interest-earning deposits in other banks	81,735		92,369

Total cash and cash equivalents	121,558		120,398

Available-for-sale debt securities, at fair value, net of allowance for credit losses of $0, with an amortized cost of $515,813 at September 30, 2025 and $536,334 at December 31, 2024, respectively	473,075		477,113
Held-to-maturity debt securities, at amortized cost less allowance for credit losses of $724 at September 30, 2025 and $1,156 at December 31, 2024, respectively	287,082		301,359
Equity securities, at fair value	6,769		6,586
Loans, less allowance for credit losses of $29,590 at September 30, 2025 and $25,803 at December 31, 2024, respectively	2,421,552		2,308,418
Bank premises and equipment, net	23,569		24,469

Bank-owned life insurance	53,783		53,319
Federal Home Loan Bank stock	10,978		10,978
Goodwill	96,828		96,828
Core deposit intangibles	8,516		9,268
Accrued interest receivable and other assets	108,554		113,035
Total assets	$	3,612,264	$	3,521,771

LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits:
Non-interest bearing	$	1,091,817	$	980,824
Interest bearing	1,984,114		1,929,953
Total deposits	3,075,931		2,910,777

Borrowings	20,000		133,442

Senior debt and subordinated debentures, less debt issuance costs of $157 at September 30, 2025 and $266 at December 31, 2024	69,998		69,889
Accrued interest payable and other liabilities	48,759		44,978
Total liabilities	3,214,688		3,159,086
Commitments and contingencies (Note 9)

Shareholders’ equity:

Preferred stock, no par value; 10,000,000 shares authorized, none issued and outstanding	—		—
Common stock, no par value; 80,000,000 shares authorized; issued and outstanding: 19,138,677 at September 30, 2025 and 18,974,647 at December 31, 2024	209,671		207,816

Retained earnings	230,119		209,984
Accumulated other comprehensive loss, net of tax	(42,214)		(55,115)
Total shareholders’ equity	397,576		362,685
Total liabilities and shareholders’ equity	$	3,612,264	$	3,521,771

See notes to unaudited consolidated financial statements.

COMMUNITY WEST BANCSHARES

CONSOLIDATED STATEMENTS OF INCOME

(Unaudited)


	For the Three Months Ended September 30,				For the Nine Months Ended September 30,
(In thousands, except share and per-share amounts)	2025		2024		2025		2024
INTEREST INCOME:
Interest and fees on loans	$	40,384	$	37,422	$	118,346	$	91,919
Interest on deposits in other banks	1,149		1,537		3,259		3,044

Interest and dividends on investment securities:
Taxable	4,082		4,954		12,560		15,782
Exempt from Federal income taxes	1,273		1,372		3,887		4,164
Total interest income	46,888		45,285		138,052		114,909
INTEREST EXPENSE:
Interest on deposits	10,785		12,493		31,711		29,778
Interest on borrowings	251		1,660		3,205		4,039
Interest on senior debt and subordinated debentures	908		918		2,705		2,749
Total interest expense	11,944		15,071		37,621		36,566
Net interest income before provision for credit losses	34,944		30,214		100,431		78,343
PROVISION (CREDIT) FOR CREDIT LOSSES	667		(518)		3,239		9,889
Net interest income after provision for credit losses	34,277		30,732		97,192		68,454
NON-INTEREST INCOME:
Service charges	519		478		1,526		1,342

Net realized losses on sales and calls of investment securities	(26)		(1,853)		(41)		(4,199)






Other income	2,473		2,480		6,456		6,999
Total non-interest income	2,966		1,105		7,941		4,142
NON-INTEREST EXPENSES:
Salaries and employee benefits	12,525		13,710		37,744		35,800
Occupancy and equipment	2,933		2,687		8,554		6,653













Other expense	6,709		11,280		21,636		29,060
Total non-interest expenses	22,167		27,677		67,934		71,513
Income before provision for income taxes	15,076		4,160		37,199		1,083
Provision for income taxes	4,203		775		10,201		312


Net income	$	10,873	$	3,385	$	26,998	$	771
Earnings per common share:
Basic earnings per share	$	0.57	$	0.18	$	1.42	$	0.05
Weighted average common shares used in basic computation	19,019,990		18,843,606		18,980,661		16,478,049
Diluted earnings per share	$	0.57	$	0.18	$	1.42	$	0.05
Weighted average common shares used in diluted computation	19,093,544		18,965,434		19,051,291		16,575,361
Cash dividend per common share	$	0.12	$	0.12	$	0.36	$	0.36

See notes to unaudited consolidated financial statements.

COMMUNITY WEST BANCSHARES

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

(Unaudited)


	For the Three Months Ended September 30,				For the Nine Months Ended September 30,
(In thousands)	2025		2024		2025		2024
Net income	$	10,873	$	3,385	$	26,998	$	771
Other comprehensive income:
Unrealized gains on securities:
Unrealized holding gains arising during the period	11,561		14,350		16,442		18,252
Reclassification of net losses included in net income	26		1,853		41		4,199


Amortization of net unrealized losses transferred	614		574		1,832		1,716
Other comprehensive income, before tax	12,201		16,777		18,315		24,167
Tax effect	(3,607)		(4,959)		(5,414)		(7,144)
Total other comprehensive income	8,594		11,818		12,901		17,023
Comprehensive income	$	19,467	$	15,203	$	39,899	$	17,794

See notes to unaudited consolidated financial statements.

COMMUNITY WEST BANCSHARES

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY

THREE MONTHS ENDED SEPTEMBER 30, 2025 AND 2024

(Unaudited)


								Accumulated Other Comprehensive Loss (Net of Taxes)		Total Shareholders’ Equity
	Common Stock	Retained Earnings
(In thousands, except share amounts)				Shares			Amount
Balance, June 30, 2024			18,939,531		$	206,821		$	204,250	$	(60,829)	$	350,242
Net income			—		—			3,385		—		3,385
Other comprehensive income			—		—			—		11,818		11,818

Stock issued under employee stock purchase plan			4,407		69			—		—		69

Restricted stock granted, net of forfeitures			(695)		—			—		—		—

Stock-based compensation expense			—		253			—		—		253
Cash dividend			—		—			(2,273)		—		(2,273)
Stock options exercised			3,318		40			—		—		40
Repurchase and retirement of common stock			(968)		(19)			—		—		(19)
Balance, September 30, 2024			18,945,593		$	207,164		$	205,362	$	(49,011)	$	363,515

Balance, June 30, 2025			19,130,508		$	209,268		$	221,542	$	(50,808)	$	380,002
Net income			—		—			10,873		—		10,873
Other comprehensive income			—		—			—		8,594		8,594


Stock issued under employee stock purchase plan			4,324		69			—		—		69
Restricted stock granted, net of forfeitures			(730)		—			—		—		—

Stock-based compensation expense			—		275			—		—		275
Cash dividend			—		—			(2,296)		—		(2,296)
Stock options exercised			4,575		59			—		—		59

Balance, September 30, 2025			19,138,677		$	209,671		$	230,119	$	(42,214)	$	397,576

See notes to unaudited consolidated financial statements.

COMMUNITY WEST BANCSHARES

CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY

NINE MONTHS ENDED SEPTEMBER 30, 2025 AND 2024



	Common Stock	Retained Earnings	Accumulated Other Comprehensive Income (Loss) (Net of Taxes)	Total Shareholders’ Equity
(In thousands, except share amounts)						Shares		Amount
Balance, December 31, 2023			11,818,039	$	62,550	$	210,548	$	(66,034)	$	207,064
Net income			—	—		771		—		771
Other comprehensive income			—	—		—		17,023		17,023
Issuance of common stock due to business combination, net of issuance costs			7,037,202	143,712		—		—		143,712
Stock issued under employee stock purchase plan			12,441	216		—		—		216
Restricted stock granted, net of forfeitures			71,665	—		—		—		—

Stock-based compensation expense			—	621		—		—		621
Cash dividend			—	—		(5,957)		—		(5,957)
Stock options exercised and related tax benefit			8,335	103		—		—		103
Repurchase and retirement of common stock			(2,089)	(38)		—		—		(38)

Balance, September 30, 2024			18,945,593	$	207,164	$	205,362	$	(49,011)	$	363,515

Balance, December 31, 2024			18,974,647	$	207,816	$	209,984	$	(55,115)	$	362,685
Net income			—	—		26,998		—		26,998
Other comprehensive income			—	—		—		12,901		12,901


Stock issued under employee stock purchase plan			15,192	252		—		—		252

Restricted stock granted, net of forfeitures			77,153	—		—		—		—
Stock-based compensation expense			—	875		—		—		875
Cash dividend			—	—		(6,863)		—		(6,863)
Stock options exercised and related tax benefit			79,708	879		—		—		879
Repurchase and retirement of common stock			(8,023)	(151)		—		—		(151)
Balance, September 30, 2025			19,138,677	$	209,671	$	230,119	$	(42,214)	$	397,576

See notes to unaudited consolidated financial statements.

COMMUNITY WEST BANCSHARES

CONSOLIDATED STATEMENTS OF CASH FLOWS

(Unaudited)


	For the Nine Months Ended September 30,
(In thousands)	2025		2024
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$	26,998	$	771
Adjustments to reconcile net income to net cash provided by operating activities:
Net decrease (increase) in deferred loan costs	933		(284)
Depreciation	2,439		1,526
Accretion of discounts on investments	(1,366)		(1,380)
Amortization of premiums on investments	6,057		6,343
Amortization of debt issuance costs	109		109
Accretion of premiums and discounts on acquired loans, net	(8,866)		(6,349)
Amortization of core deposit intangibles	752		501
Amortization of fair value marks on liabilities assumed	2,423		3,943
Stock-based compensation	875		621


Provision for credit losses	3,239		9,889

Net realized losses on sales and calls of available-for-sale investment securities	41		4,199

Net loss (gain) on disposal of premises and equipment	40		(7)
Net gain on sale of foreclosed assets	(39)		—

Net change in equity securities	(183)		(141)

Increase in bank-owned life insurance, net of expenses	(1,117)		(971)

Net gain on proceeds from death benefits	(198)		—
Net decrease in accrued interest receivable and other assets	(2,631)		2,872

Net increase (decrease) in accrued interest payable and other liabilities	4,025		(2,145)
Net change for deferred income taxes	2,270		(2,495)
Net cash provided by operating activities	35,801		17,002
CASH FLOWS FROM INVESTING ACTIVITIES:
Net cash and cash equivalents acquired in acquisition	—		58,523
Purchases of available-for-sale investment securities	(7,183)		—
Proceeds from sales or calls of available-for-sale investment securities	500		64,229
Proceeds from calls of held-to-maturity investment securities	13,956		—
Proceeds from maturity and principal repayments of available-for-sale investment securities	23,768		43,941
Proceeds from maturity and principal repayments of held-to-maturity investment securities	1,289		1,234

Net increase in loans	(109,004)		(79,202)


Proceeds from sale of foreclosed assets	206		—
Purchases of premises and equipment	(1,696)		(3,414)

FHLB stock purchased	—		(350)

Proceeds from sale of premises and equipment	117		22
Net cash (used in) provided by investing activities	(78,047)		84,983
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in demand, interest bearing and savings deposits	118,951		47,270
Net increase (decrease) in time deposits	45,338		(13,294)
Proceeds from short-term borrowings from Federal Home Loan Bank	879,000		839,000
Repayments of short-term borrowings to Federal Home Loan Bank	(994,000)		(829,000)

Repayments of borrowings from FRB Bank Term Funding Program	—		(45,000)
Repurchase and retirement of common stock	(151)		(38)
Proceeds from stock issued under employee stock purchase plan	252		216
Proceeds from exercise of stock options	879		103


Cash dividend payments on common stock	(6,863)		(5,957)

Net cash provided by (used in) financing activities	43,406		(6,700)
Increase in cash and cash equivalents	1,160		95,285
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD	120,398		53,728
CASH AND CASH EQUIVALENTS AT END OF PERIOD	$	121,558	$	149,013

See notes to unaudited consolidated financial statements.


	For the Nine Months Ended September 30,
(In thousands)	2025		2024
SUPPLEMENTAL DISCLOSURE OF CASH FLOWS INFORMATION:
Cash paid during the period for:
Interest	$	37,401	$	34,356
Income taxes	5,346		2,380
Operating cash flows from operating leases	2,674		2,303

Non-cash investing and financing activities:





Unrealized gain on securities available for sale	$	16,483	$	22,451
Acquisition:
Assets acquired	$	—	$	1,040,939
Liabilities assumed	$	—	$	(940,276)

See notes to unaudited consolidated financial statements.

COMMUNITY WEST BANCSHARES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

September 30, 2025

(Unaudited)

Note 1. Basis of Presentation

Description of Business and Basis of Presentation

The interim unaudited condensed consolidated financial statements of Community West Bancshares and subsidiary have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission (“SEC”). These interim condensed consolidated financial statements include the accounts of Community West Bancshares and its wholly owned subsidiary Community West Bank (the “Bank”) (collectively, the “Company”). All significant intercompany accounts and transactions have been eliminated in consolidation. Certain information and footnote disclosures normally included in the annual consolidated financial statements prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) have been omitted. The Company believes that the disclosures are adequate to make the information presented not misleading. These interim unaudited condensed consolidated financial statements should be read in conjunction with the audited financial statements and notes thereto included in the Company’s 2024 Annual Report to Shareholders on Form 10-K. In the opinion of management, all adjustments, consisting only of normal recurring adjustments, necessary to present fairly the Company’s financial position at September 30, 2025, and the results of its operations and its cash flows for the three and nine month interim periods ended September 30, 2025 and 2024 have been included. The results of operations for interim periods are not necessarily indicative of results for the full year.

Use of Estimates in the Preparation of Financial Statements

The preparation of these interim unaudited condensed consolidated financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions. These estimates and assumptions affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting periods. Actual results could differ from those estimates.

Segment and Significant Group Concentration of Credit Risk

The Company has one reportable segment: banking operations. Loans and leases, investment securities, interest-bearing deposits and non-interest income provide the revenues of the banking operation. Loans and leases generate a majority of the Company’s interest and fee income. Interest income earned on investment securities and interest-bearing deposits are another source of revenue. Non-interest income is derived from deposit products offered to customers that generate fees and service charge income. Additional other sources of non-interest income include earnings from bank owned life insurance, merchant card services, and other investments. Interest expense, provisions for credit losses, salaries and employee benefits, and data processing provide the significant expenses in banking operations. These significant expenses are the same as those disclosed in the Company’s Consolidated Statements of Income and Consolidated Statements of Cash Flows.

The Company’s chief operating decision maker (“CODM”) is the Chief Executive Officer. The CODM is provided with consolidated balance sheets, income statements, and net interest margin analyses in order to evaluate the revenue streams, significant expenses, and budget-to-actual results in assessing the Company’s segment and determining the allocation of resources. Additionally, the CODM reviews performance of various components of banking operations, such as asset mix, funding sources for assets, and overhead costs, in order to assess product pricing, profitability and evaluate return on assets. The CODM uses consolidated net income to benchmark the Company against its competitors. The benchmarking analysis coupled with monitoring budget-to-actual results are used in assessing performance and in establishing compensation.

Reclassifications

Certain reclassifications have been made to prior year financial statements to conform to the classifications used in 2025. None of the reclassifications had an impact on equity or net income. Within the cash flow statement, further disaggregation of the accretion/amortization of fair value marks was provided for the three and nine months ended September 30, 2025 and 2024, causing a reclassification of those items for the nine months ended September 30, 2024 from net change in loans, net amortization, and net change in time deposits.

Recently Issued or Adopted Accounting Pronouncements

In November 2024, the FASB issued guidance within ASU 2024-03, Income Statement-Reporting Comprehensive Income-Expense Disaggregation Disclosures (Topic 220). The amendments in this update require disclosure, in the notes to financial statements, of specified information about certain costs and expenses. Entities will be required to disclose the amounts of employee compensation, depreciation, and intangible asset amortization included in each relevant expense caption. The update also requires entities to include certain amounts that are already required to be disclosed under current GAAP in the same

disclosure as the other disaggregation requirements, disclose a qualitative description of the amounts remaining in relevant expense captions that are not separately disaggregated quantitatively, and disclose the total amount of selling expenses and, in annual reporting periods, an entity’s definition of selling expenses. The amendments in this update are effective for fiscal years beginning after December 15, 2026 and interim periods within fiscal years beginning after December 15, 2027 and may be applied on a prospective or retrospective basis. The Company is currently evaluating the impact these amendments will have on its Consolidated Financial Statements.

In December 2023, the FASB issued guidance within ASU 2023-09, Income Taxes (Topic 740). The amendments in this update are intended to increase visibility into various income tax components that affect the reconciliation of the effective tax rate to the statutory rate, as well as the qualitative and quantitative aspects of those components. Public business entities will be required to disclose on an annual basis, specific categories in the rate reconciliation and provide additional information for reconciling items that meet or exceed a five percent threshold (computed by multiplying pretax income by the applicable statutory income tax rate) and include disclosure of state and local jurisdictions that make up the majority of the state and local income tax category in the rate reconciliation. Additional disclosure items include disaggregation of income taxes paid to and income tax expense from federal, state, and foreign jurisdictions as well as disaggregation of income taxes paid to individual jurisdictions in which income taxes paid are equal to or greater than five percent of total income taxes paid. This ASU is effective for fiscal years beginning after December 15, 2024. The adoption of this accounting guidance is not expected to have a material impact on the Company’s consolidated financial statements but will result in the expansion of the income tax disclosures.

Note 2. Business Combinations

Effective on April 1, 2024, Central Valley Community Bancorp (“Central Valley”) completed its merger transaction with Community West Bancshares (“Community West”). Shortly thereafter Community West Bank (“CWB”), a wholly owned subsidiary of Community West, merged with and into Central Valley Community Bank (“CVCB”), a wholly-owned subsidiary of Central Valley, with CVCB being the surviving banking institution. Effective with these mergers, the corporate names of Central Valley and CVCB were changed to Community West Bancshares and Community West Bank, respectively.

Pursuant to the terms of the merger, holders of Community West common stock received 0.79 of a share of common stock of Central Valley for each share of Community West common stock held immediately prior to the effective time of the mergers, with cash to be paid in lieu of any fractional shares of common stock of Central Valley. As a result of the mergers, Central Valley issued approximately 7,037,202 shares of Central Valley common stock. Reporting of the financial condition and results of operation of the combined companies commenced in the second quarter of 2024.

The acquisition of Community West has been accounted for using the acquisition method of accounting in accordance with ASC Topic 805. Assets acquired, liabilities assumed, intangibles recognized and consideration exchanged was recorded at their respective acquisition date fair values. Determining the fair value of assets and liabilities involves significant judgment regarding methods and assumptions used to calculate estimated fair values. We recorded the fair values based on the valuations available as of reporting date. The Company utilized the discounted cash flow methodology to determine the fair value of loans,

which included significant assumptions relating to market discount rates using a build-up approach and default and loss rates. In

the determination of the core deposit intangible, the Company utilized a discounted economic benefit methodology that included significant assumptions related to deposit runoff rates, cost of deposits, cost of alternative funds, and a discount rate applied.

The following table summarizes the consideration paid for Community West Bank and the amounts of assets acquired and liabilities assumed that were recorded at the acquisition date (in thousands):


	Community West
	April 1, 2024
Fair value of consideration transferred:
Fair value of shares issued	$	139,970
Cash consideration	2
Fair value of options assumed	3,742
Total merger consideration	$	143,714

Assets acquired:
Cash and cash equivalents	$	58,523
Securities available-for-sale	846
Loans and leases	920,097
Premises and equipment	7,608
Cash value of life insurance	8,971
Other assets	44,894
Total assets acquired	1,040,939
Liabilities assumed:
Deposits	(844,035)
Borrowings	(85,638)
Other liabilities	(10,603)
Total liabilities assumed	(940,276)
Total net assets acquired	100,663
Goodwill created from transaction	$	43,051

The acquisition resulted in goodwill of $43 million, which is nondeductible for tax purposes, as this acquisition was a nontaxable transaction. Goodwill represents the premium paid over the fair value of the net tangible and intangible assets acquired and reflects the related synergies from the combined operations.

The following table presents the fair value and gross contractual amounts receivable of acquired non-credit deteriorated loans from the acquisition on April 1, 2024, and their respective expected contractual cash flows as of the acquisition date:


	Community West
	April 1, 2024
Fair value	$	892,090
Gross contractual amounts receivable	1,124,200
Estimate of contractual cash flows not expected to be collected (1)	13,375
Estimate of contractual cash flows expected to be collected	1,110,825
(1) Includes interest payments not expected to be collected due to loan prepayments as well as principal and interest payments not expected to be collected due to customer default.

The acquisition improved the Company’s footprint in Central California, expanding to the Central Coast. The acquisition diversified its commercial banking business, adds additional revenue enhancing products, improved the Bank’s loan to deposit ratio, and creates operational efficiencies. Revenues and earnings of the acquired company since the acquisition date have not been disclosed as it is not practicable as Community West was merged into the Company and separate financial information is not readily available.

Note 3. Investments

The following table summarizes the amortized cost and fair value of securities available-for-sale and securities held-to-maturity at September 30, 2025 and December 31, 2024 and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive income (loss) and gross unrealized gains and losses (in thousands):


	September 30, 2025
Available-for-Sale Securities	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Estimated Fair Value		Allowance for Credit Losses
Debt securities:
U.S. Treasury securities	$	9,995	$	—	$	(556)	$	9,439	$	—
U.S. Government agencies	67		—		(2)		65		—
Obligations of states and political subdivisions	181,095		12		(16,704)		164,403		—
U.S. Government sponsored entities and agencies collateralized by residential mortgage obligations	69,795		134		(3,267)		66,662		—
Private label mortgage and asset backed securities	254,400		6		(22,394)		232,012		—
Corporate debt securities	461		33		—		494		—
Total available-for-sale	$	515,813	$	185	$	(42,923)	$	473,075	$	—

	September 30, 2025
Held-to-Maturity Securities	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Estimated Fair Value		Allowance for Credit Losses
Debt securities:
Obligations of states and political subdivisions	$	192,272	$	61	$	(14,824)	$	177,509	$	21
U.S. Government sponsored entities and agencies collateralized by residential mortgage obligations	11,355		—		(1,631)		9,724		—
Private label mortgage and asset backed securities	51,813		—		(3,198)		48,615		51
Corporate debt securities	32,366		—		(1,508)		30,858		652
Total held-to-maturity	$	287,806	$	61	$	(21,161)	$	266,706	$	724


	December 31, 2024
Available-for-Sale Securities	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Estimated Fair Value		Allowance for Credit Losses
Debt securities:
U.S. Treasury securities	$	9,994	$	—	$	(936)	$	9,058	$	—
U.S. Government agencies	70		—		(5)		65		—
Obligations of states and political subdivisions	183,766		—		(19,126)		164,640		—
U.S. Government sponsored entities and agencies collateralized by residential mortgage obligations	76,732		8		(4,438)		72,302		—
Private label mortgage and asset backed securities	265,302		6		(34,753)		230,555		—
Corporate debt securities	470		23		—		493
Total available-for-sale	$	536,334	$	37	$	(59,258)	$	477,113	$	—


	December 31, 2024
Held-to-Maturity Securities	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Estimated Fair Value		Allowance for Credit Losses
Debt securities:
Obligations of states and political subdivisions	$	192,156	$	54	$	(17,392)	$	174,818	$	12
U.S. Government sponsored entities and agencies collateralized by residential mortgage obligations	11,095		—		(2,100)		8,995		—
Private label mortgage and asset backed securities	53,066		—		(5,633)		47,433		8
Corporate debt securities	46,198		—		(2,876)		43,322		1,136
Total held-to-maturity	$	302,515	$	54	$	(28,001)	$	274,568	$	1,156

Proceeds and gross realized gains (losses) from the sales or calls of investment securities for the three and nine months ended September 30, 2025 and 2024 are shown below (in thousands):


	For the Three Months Ended September 30,				For the Nine Months Ended September 30,
Investment Securities	2025		2024		2025		2024
Proceeds from sales or calls	$	225	$	32,647	$	500	$	64,229
Gross realized gains from sales or calls	—		—		—		—
Gross realized losses from sales or calls	$	(26)	$	(1,853)	$	(41)	$	(4,199)

The provision for income taxes includes a $8,000 and $584,000 income tax benefit from security sales/calls for the three months ended September 30, 2025 and 2024, respectively. The provision for income taxes includes a $12,000 and $1,241,000 income tax benefit from security sales/calls for the nine months ended September 30, 2025 and 2024, respectively.

The amortized cost and estimated fair value of available-for-sale and held-to-maturity investment securities at September 30, 2025 by contractual maturity is shown below (in thousands). Expected maturities will differ from contractual maturities because the issuers of the securities may have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date are shown separately.


	September 30, 2025				December 31, 2024
Available-for-Sale Securities	Amortized Cost		Estimated Fair Value		Amortized Cost		Estimated Fair Value
Within one year	$	—	$	—	$	—	$	—
After one year through five years	31,314		28,931		15,661		14,056
After five years through ten years	22,660		21,325		33,585		29,670
After ten years	137,116		123,586		144,514		129,972
	191,090		173,842		193,760		173,698
Investment securities not due at a single maturity date:

U.S. Government agencies	67		65		70		65
U.S. Government sponsored entities and agencies collateralized by residential mortgage obligations	69,795		66,662		76,732		72,302
Private label mortgage and asset backed securities	254,400		232,012		265,302		230,555
Corporate debt securities	461		494		470		493
Total available-for-sale	$	515,813	$	473,075	$	536,334	$	477,113

















	September 30, 2025				December 31, 2024
Held-to-Maturity Securities	Amortized Cost		Estimated Fair Value		Amortized Cost		Estimated Fair Value
Within one year	$	—	$	—	$	—	$	—
After one year through five years	29,153		28,659		24,535		23,368
After five years through ten years	63,796		60,326		60,369		54,685
After ten years	99,323		88,524		107,252		96,765
	192,272		177,509		192,156		174,818
Investment securities not due at a single maturity date:
U.S. Government sponsored entities and agencies collateralized by residential mortgage obligations	11,355		9,724		11,095		8,995
Private label mortgage and asset backed securities	51,813		48,615		53,066		47,433
Corporate debt securities	32,366		30,858		46,198		43,322
Total held-to-maturity	$	287,806	$	266,706	$	302,515	$	274,568

At September 30, 2025 there were two issuer of private label mortgage securities in which the Company had holdings of securities in amounts greater than 10% of shareholders’ equity. Investments with these issuers were in senior tranches and/or were rated “AAA” or higher and there were no credit issues identified.

The following table summarizes the Company’s AFS debt securities in an unrealized loss position for which an allowance for credit losses has not been recorded, aggregated by major security type and length of time in a continuous unrealized loss position (in thousands):


	September 30, 2025
	Less than 12 Months				12 Months or More				Total
	Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
Available-for-Sale Securities	Value		Losses		Value		Losses		Value		Losses
Debt securities:
U.S. Treasury securities	$	—	$	—	$	9,439	$	(556)	$	9,439	$	(556)
U.S. Government agencies	—		—		65		(2)		65		(2)
Obligations of states and political subdivisions	4,066		(488)		158,345		(16,216)		162,411		(16,704)
U.S. Government sponsored entities and agencies collateralized by residential mortgage obligations	4,132		(63)		50,775		(3,204)		54,907		(3,267)
Private label mortgage and asset backed securities	—		—		227,330		(22,394)		227,330		(22,394)

Total available-for-sale	$	8,198	$	(551)	$	445,954	$	(42,372)	$	454,152	$	(42,923)


	December 31, 2024
	Less than 12 Months				12 Months or More				Total
	Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
Available-for-Sale Securities	Value		Losses		Value		Losses		Value		Losses
Debt securities:
U.S. Treasury securities	$	—	$	—	$	9,058	$	(936)	$	9,058	$	(936)
U.S. Government agencies	—		—		65		(5)		65		(5)
Obligations of states and political subdivisions	1,853		(152)		162,787		(18,974)		164,640		(19,126)
U.S. Government sponsored entities and agencies collateralized by residential mortgage obligations	359		(4)		63,401		(4,434)		63,760		(4,438)
Private label mortgage and asset backed securities	—		—		226,070		(34,753)		226,070		(34,753)
Total available-for-sale	$	2,212	$	(156)	$	461,381	$	(59,102)	$	463,593	$	(59,258)

As of September 30, 2025, the Company had a total of 128 AFS debt securities in a gross unrealized loss position with no credit impairment, consisting of 1 U.S. Treasury security, 38 obligations of states and political subdivisions, 36 U.S. Government sponsored entities and agencies collateralized by residential mortgage obligations, and 53 private label mortgage and asset backed securities.

Allowance for Credit Losses on Available-for-Sale Debt Securities

Each reporting period, the Company assesses each AFS debt security that is in an unrealized loss position to determine whether the decline in fair value below the amortized cost basis results from a credit loss or other factors. The Company did not record an ACL on any available for sale securities at September 30, 2025. As of that date, the Company considers the unrealized losses across the classes of major security-type to be related to fluctuations in market conditions, primarily interest rates, and not reflective of a deterioration in credit value. As of September 30, 2025, the Company determined that it is not more likely than not that there is an intention to sell securities or that the Company would be required to sell securities.

The gross unrealized losses presented in the preceding tables were primarily attributable to interest rate increases and liquidity and were mainly comprised of the following:

•Obligations of States and Political Subdivisions: The unrealized losses on investments in obligations of states and political subdivisions are caused by increases in required yields by investors in these types of securities. It is expected that the securities would not be settled at a price less than the amortized cost of the investment.

•U.S. Treasury and Government Sponsored Entities and Agencies Collateralized by Residential Mortgage Obligations: The unrealized losses on the Company’s investments in U.S. treasuries and government sponsored entities and agencies collateralized by residential mortgage obligations were caused by interest rate changes. The contractual cash flows of those investments are guaranteed or supported by an agency or sponsored entity of the U.S. Government. Accordingly, it is expected that the securities would not be settled at a price less than the amortized cost of the Company’s investment.

•Private Label Mortgage and Asset Backed Securities: The Company has invested exclusively in AA and AAA tranches of various private label mortgage and asset backed securities. Each purchase is subject to a credit and structure review prior to their purchase. Ratings are reviewed on a quarterly basis in addition to other metrics provided through third-party services. Following review of the financial metrics and ratings, management concluded that the unrealized loss position of the private label mortgage and asset backed securities related exclusively to the fluctuation in market conditions and were not reflective of any credit concerns with the tranches comprising the Company’s investments.

No allowance for credit losses has been recognized on AFS debt securities in an unrealized loss position, as management does not believe that any of the securities are impaired due to credit risk factors as of September 30, 2025 and December 31, 2024.

Allowance for Credit Losses on Held-to-Maturity Debt Securities

The Company separately evaluates its HTM debt securities for any credit losses based on probability of default and loss given default utilizing historical industry data based on investment category, while also considering reasonable and supportable forecasts. The probability of default and loss given default are incorporated into the present value of expected cash flows and compared against amortized cost.

The allowance for credit losses on HTM securities was $724,000 at September 30, 2025. The allowance for credit losses on HTM securities is driven by economic scenarios, estimated probabilities of default and loss given default. Economic scenarios are updated quarterly.

The following table shows the summary of activities for the allowance for credit losses related to held-to-maturity debt securities for the thee months and nine months ended September 30, 2025 and 2024 (in thousands):


	For the Three Months Ended September 30,				For the Nine Months Ended September 30,

Debt Securities Held-to-Maturity	2025		2024		2025		2024
Beginning ACL balance	$	786	$	1,076	$	1,156	$	1,051

(Credit) provision to credit losses	(62)		(219)		(432)		(194)
Total Ending ACL balance	$	724	$	857	$	724	$	857

During the three and nine month periods ended September 30, 2025, the credit to credit losses for held-to-maturity securities was primarily driven by the passage of time and updated expectations of improved future cash flows. Management believes that the allowance for credit losses for held-to-maturity securities at September 30, 2025 appropriately reflected expected credit losses at that date.

The Company monitors credit quality of debt securities held-to-maturity through the use of credit ratings. The Company monitors the credit ratings on a quarterly basis. For non-rated investment securities, management receives quarterly performance updates to monitor for any credit concerns. There were no HTM securities on nonaccrual or past due over 89 days and still on accrual. The following table summarizes the amortized cost of debt securities held-to-maturity at the dates indicated, aggregated by credit quality indicator. U.S. Government sponsored agencies are not included in the below tables as credit ratings are not applicable.


	September 30, 2025
Debt Securities Held-to-Maturity (in thousands)	AAA/AA/A		BBB		Unrated
Obligations of states and political subdivisions	$	192,272	$	—	$	—

Private label mortgage and asset backed securities	38,580		—		13,233
Corporate debt securities	—		18,348		14,018
Total debt securities held-to-maturity	$	230,852	$	18,348	$	27,251

Note 4. Loans and Allowance for Credit Losses on Loans

The majority of the disclosures in this footnote are prepared at the class level, which is equivalent to the call report or call code classification. The roll forward of the allowance for credit losses is presented at the portfolio segment level. Accrued interest receivable on loans of $10,794,000 and $10,745,000 at September 30, 2025 and December 31, 2024 respectively is not included in the loan tables below and is included in other assets on the Company’s consolidated balance sheets. Outstanding loans are summarized by class as follows:


Loan Type (Dollars in thousands)	September 30, 2025		December 31, 2024
Commercial:
Commercial and industrial	$	157,880	$	143,422
Agricultural production	22,915		37,323
Total commercial	180,795		180,745
Real estate:
Construction & other land loans	78,628		67,869
Commercial real estate - owner occupied	354,841		323,188
Commercial real estate - non-owner occupied	972,014		913,165
Farmland	140,454		139,815
Multi-family residential	154,073		133,595
1-4 family - close-ended	109,567		123,445
1-4 family - revolving	38,724		35,421
Total real estate	1,848,301		1,736,498
Consumer:
Manufactured housing	326,755		322,263
Other installment	94,423		92,839
Total consumer	421,178		415,102
Total gross loans	2,450,274		2,332,345
Net deferred origination costs	868		1,876
Loans, net of deferred origination costs	2,451,142		2,334,221
Allowance for credit losses	(29,590)		(25,803)
Total loans, net	$	2,421,552	$	2,308,418

At September 30, 2025 and December 31, 2024, loans originated under Small Business Administration (SBA) programs totaling $20,715,000 and $21,618,000, respectively, were included in the real estate and commercial categories, of which, $16,089,000 or 78% and $16,519,000 or 76%, respectively, were secured by government guarantees.

Allowance for Credit Losses on Loans

The measurement of the allowance for credit losses on collectively evaluated loans is based on modeled expectations of lifetime expected credit losses utilizing national and local peer group historical losses, weighting of economic scenarios, and other relevant factors. The Company incorporates forward-looking information using macroeconomic scenarios, which include variables that are considered key drivers of credit losses within the portfolio. The Company uses a probability-weighted, multiple scenario forecast approach. These scenarios may consist of a base forecast representing the most likely outcome, combined with downside or upside scenarios reflecting possible worsening or improving economic conditions.

When a loan no longer shares similar risk characteristics with other loans, such as in the case of certain nonaccrual loans, the Company estimates the allowance for credit losses on an individual loan basis.

The following table shows the summary of activities for the allowance for credit losses as of and for the three months ended September 30, 2025 and 2024 by portfolio segment (in thousands):


	Commercial		Commercial Real Estate		1-4 Family Real Estate		Consumer		Total
Allowance for credit losses:
Beginning balance, July 1, 2025	$	2,231	$	19,281	$	2,505	$	4,705	$	28,722
Provision (credit) for credit losses (1)	(147)		1,159		(114)		(105)		793
Charge-offs	(3)		—		—		(42)		(45)
Recoveries	62		—		46		12		120
Ending balance, September 30, 2025	$	2,143	$	20,440	$	2,437	$	4,570	$	29,590

(1) Represents provision (credit) to credit losses for loans only. The provision for credit losses on the Consolidated Statements of Income of $667 includes a $(62) credit for held-to-maturity securities and a $(64) credit for unfunded loan commitments.


	Commercial		Commercial Real Estate		1-4 Family Real Estate		Consumer		Total
Allowance for credit losses:
Beginning balance, July 1, 2024	$	1,477	$	16,626	$	2,965	$	3,872	$	24,940

Provision (credit) for credit losses (1)	(256)		1,056		(146)		(865)		(211)
Charge-offs	(5)		—		—		(15)		(20)
Recoveries	51		6		59		66		182
Ending balance, September 30, 2024	$	1,267	$	17,688	$	2,878	$	3,058	$	24,891

(1) Represents provision (credit) to credit losses for loans only. The credit for credit losses on the Consolidated Statements of Income of $(518) includes a $(219) credit for held-to-maturity securities and a $(88) credit for unfunded loan commitments.

The following table shows the summary of activities for the allowance for credit losses as of and for the nine months ended September 30, 2025 and 2024 by portfolio segment (in thousands):


	Commercial		Commercial Real Estate		1-4 Family Real Estate		Consumer		Total
Allowance for credit losses:
Beginning balance, January 1, 2025	$	1,752	$	17,766	$	2,751	$	3,534	$	25,803

Provision (credit) for credit losses (1)	301		2,624		(377)		1,053		3,601
Charge-offs	(94)		—		—		(115)		(209)
Recoveries	184		50		63		98		395
Ending balance, September 30, 2025	$	2,143	$	20,440	$	2,437	$	4,570	$	29,590

(1) Represents credit losses for loans only. The provision for credit losses on the Consolidated Statements of Income of $3,239 includes a $(432) credit for held-to-maturity securities and a $70 provision for unfunded loan commitments.


	Commercial		Commercial Real Estate		1-4 Family		Consumer		Total
Allowance for credit losses:
Beginning balance, January 1, 2024	$	1,475	$	9,792	$	2,435	$	951	$	14,653
Allowance for loan loss on purchased credit deteriorated loans (PCD)	375		371		2		73		821
Provision for credit losses (1)	(76)		7,495		374		2,028		9,821
Charge-offs	(558)		—		—		(90)		(648)
Recoveries	51		30		67		96		244
Ending balance, September 30, 2024	$	1,267	$	17,688	$	2,878	$	3,058	$	24,891

(1) Represents credit losses for loans only. The provision for credit losses on the Consolidated Statements of Operations of $9,889 includes a $(194) credit for held-to-maturity securities and a $262 provision for unfunded loan commitments.

During the three and nine month periods ended September 30, 2025, the provision for credit losses was primarily driven by loan growth and deteriorating economic forecasts utilized by the Company. Additionally, there was an increase in the dollar balances of collateral dependent loans that were individually evaluated during the nine month period that required higher reserves than the pooled loans. Management believes that the allowance for credit losses at September 30, 2025 appropriately reflected expected credit losses in the loan portfolio at that date.

The following tables present the composition of nonaccrual loans as of September 30, 2025 and December 31, 2024 respectively (in thousands).


	September 30, 2025
	With an ACL		Without an ACL		Total Nonaccrual
Commercial and industrial	$	1,509	$	—	1,509
Commercial real estate - owner occupied	—		105		105
Commercial real estate - non-owner occupied	—		380		380
Farmland	—		1,525		1,525
1-4 family real estate	—		2,306		2,306
Manufactured housing	570		609		1,179
Other installment	21		47		68
Total	$	2,100	$	4,972	$	7,072


	December 31, 2024
	With an ACL		Without an ACL		Total Nonaccrual
Commercial real estate - owner occupied	$	—	$	120	$	120
Commercial real estate - non-owner occupied	—		378		378
Farmland	—		2,398		2,398
1-4 family real estate	—		2,335		2,335
Manufactured housing	—		1,215		1,215
Other installment	—		15		15
Total	$	—	$	6,461	$	6,461

The following tables present the amortized cost basis of collateral dependent loans by class of loans and by collateral type as of the dates indicated as of September 30, 2025 and December 31, 2024 (in thousands).


	September 30, 2025
	Manufactured Homes		Real Estate		Machinery & Equipment		Total
Commercial and industrial	$	—	$	—	$	1,509	$	1,509
Commercial real estate - owner occupied	—		105		—		105
Commercial real estate - non-owner occupied	—		13,438		380		13,818
Farmland	—		1,525		—		1,525
1-4 family real estate	—		2,306		—		2,306
Manufactured housing	1,179		—		—		1,179
Other installment	—		—		68		68
Total	$	1,179	$	17,374	$	1,957	$	20,510


	December 31, 2024
	Manufactured Homes		Real Estate		Machinery & Equipment		Total
Commercial and industrial	$	—	$	—	$	—	$	—
Commercial real estate - owner occupied	—		120		—		120
Commercial real estate - non-owner occupied	—		—		378		378
Farmland	—		2,398		—		2,398
1-4 family real estate	—		2,335		—		2,335

Manufactured housing	1,215		—		—		1,215
Total	$	1,215	$	4,853	$	378	$	6,446

The Company utilizes an internal asset classification system as a means of reporting problem and potential problem loans. Loan ratings are reviewed as part of the Company's normal loan monitoring process, but, at a minimum, updated on an annual basis. Under the Company’s risk rating system, the Company rates loans with potential problems as “Special Mention,” “Substandard,” “Doubtful,” and “Loss”. The following is a description of the characteristics of loan ratings.

Special Mention - A Special Mention loan has potential weaknesses that require management's close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or in the Company's credit position at some future date. Special mention assets are not adversely classified and do not expose the Company to sufficient risk to warrant adverse classification.

Substandard - A Substandard loan is inadequately protected by the current sound net worth and paying capacity of the obligor or of the collateral pledged, if any. These loans have a well-defined weakness or weaknesses that jeopardize the full collection of amounts due. They are characterized by the distinct possibility that the Company will sustain some loss if the borrower’s deficiencies are not corrected.

Doubtful - A loan classified Doubtful has all the weaknesses inherent in one classified as Substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The possibility of loss is extremely high, but because of certain important and reasonably specific pending factors, which may work to the advantage and strengthening of the loan, its classification as an estimated loss is deferred until its more exact status may be determined. Pending factors include proposed merger, acquisition or liquidation procedures, capital injection, perfecting liens on additional collateral and refinancing plans.

Loss - Loans classified Loss are considered uncollectible and of such little value that their continuance as bankable loans is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this loan even though partial recovery may be realized in the future. Losses are taken in the period in which they are considered uncollectible.

Loans not meeting the criteria above are considered to be pass or watch rated loans.

The following table shows the loan portfolio by class, net of deferred costs, allocated by management’s internal risk ratings for the period indicated. The following table also shows the gross charge-offs recognized during the nine months ended September 30, 2025 (in thousands):


	Term Loans Amortized Cost Basis by Origination Year As of September 30, 2025
	2025		2024		2023		2022		2021		Prior		Revolving Loans		Revolving Converted to Term		Total
Commercial and industrial
Pass/Watch	$	17,903	$	32,505	$	10,347	$	14,492	$	13,630	$	9,163	$	50,341	$	—	$	148,381
Special mention	15		—		71		595		—		42		—		—		723
Substandard	100		24		—		1,510		161		836		6,434		—		9,065
Total	$	18,018	$	32,529	$	10,418	$	16,597	$	13,791	$	10,041	$	56,775	$	—	$	158,169
Current period gross write-offs	$	94	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	94

Agricultural production
Pass/Watch	$	1,745	$	1,671	$	43	$	—	$	6	$	158	$	17,398	$	189	$	21,210
Special mention	—		—		—		—		—		—		1,775				1,775
Substandard	—		—		—		—		—		—		—				—
Total	$	1,745	$	1,671	$	43	$	—	$	6	$	158	$	19,173	$	189	$	22,985
Current period gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Construction & other land loans
Pass/Watch	$	11,328	$	37,530	$	9,797	$	13,571	$	4,773	$	584	$	360	$	—	$	77,943
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		86		—		—		86
Total	$	11,328	$	37,530	$	9,797	$	13,571	$	4,773	$	670	$	360	$	—	$	78,029
Current period gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial real estate - owner occupied
Pass/Watch	$	48,842	$	46,262	$	21,805	$	46,491	$	41,888	$	136,340	$	7,829	$	—	$	349,457
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		1,741		—		—		3,037		—		—		4,778
Total	$	48,842	$	46,262	$	23,546	$	46,491	$	41,888	$	139,377	$	7,829	$	—	$	354,235
Current period gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial real estate - non-owner occupied
Pass/Watch	$	73,432	$	88,752	$	133,501	$	180,531	$	116,743	$	310,919	$	26,669	$	—	$	930,547
Special mention	—		6,213		—		5,536		620		3,763		—		—		16,132
Substandard	—		—		—		1,036		—		21,136		1,770		—		23,942
Total	$	73,432	$	94,965	$	133,501	$	187,103	$	117,363	$	335,818	$	28,439	$	—	$	970,621
Current period gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Farmland
Pass/Watch	$	4,537	$	4,569	$	4,345	$	22,719	$	10,943	$	62,560	$	8,136	$	1,500	$	119,309
Special mention	1,800		—		425		—		—		4,071		—		—		6,296


Substandard	500		—		5,178		3,162		—		5,923		—		—		14,763
Total	$	6,837	$	4,569	$	9,948	$	25,881	$	10,943	$	72,554	$	8,136	$	1,500	$	140,368
Current period gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Multi-family residential
Pass/Watch	$	18,895	$	12,318	$	2,914	$	30,951	$	45,572	$	28,686	$	7,205	$	—	$	146,541
Special mention	—		—		—		—		—		—		—		—		—
Substandard			—		—		—		—		7,290		—		—		7,290
Total	$	18,895	$	12,318	$	2,914	$	30,951	$	45,572	$	35,976	$	7,205	$	—	$	153,831
Current period gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

1-4 family - close-ended
Pass/Watch	$	1,101	$	2,378	$	4,397	$	60,096	$	10,576	$	21,381	$	6,325	$	230	$	106,484
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		64		—		2,542		—		537		—		—		3,143
Total	$	1,101	$	2,442	$	4,397	$	62,638	$	10,576	$	21,918	$	6,325	$	230	$	109,627
Current period gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

1-4 family - revolving
Pass/Watch	$	—	$	—	$	—	$	—	$	—	$	—	$	33,571	$	5,355	$	38,926
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		38		38
Total	$	—	$	—	$	—	$	—	$	—	$	—	$	33,571	$	5,393	$	38,964
Current period gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Manufactured Housing
Pass/Watch	$	33,572	$	43,101	$	37,796	$	42,931	$	35,109	$	130,807	$	—	$	—	$	323,316
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		117		370		—		403		2,486		—		—		3,376
Total	$	33,572	$	43,218	$	38,166	$	42,931	$	35,512	$	133,293	$	—	$	—	$	326,692
Current period gross write-offs	$	17	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	17

Consumer
Pass/Watch	$	26,641	$	38,988	$	17,193	$	4,030	$	3,822	$	5,932	$	426	$	—	$	97,032
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		21		29		384		111		44		—		—		589
Total	$	26,641	$	39,009	$	17,222	$	4,414	$	3,933	$	5,976	$	426	$	—	$	97,621
Current period gross write-offs	$	98	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	98

Total loans outstanding (risk rating):
Pass/Watch	$	237,996	$	308,074	$	242,138	$	415,812	$	283,062	$	706,530	$	158,260	$	7,274	$	2,359,146
Special mention	1,815		6,213		496		6,131		620		7,876		1,775		—		24,926
Substandard	600		226		7,318		8,634		675		41,375		8,204		38		67,070
Grand Total	$	240,411	$	314,513	$	249,952	$	430,577	$	284,357	$	755,781	$	168,239	$	7,312	$	2,451,142


Current period total gross write-offs			$	209		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	209

The following table shows the loan portfolio by class, net of deferred costs, allocated by management’s internal risk ratings for the period indicated. The following table also shows the charge-offs recognized during the twelve months ended December 31, 2024 (in thousands):


	Term Loans Amortized Cost Basis by Origination Year As of December 31, 2024
	2024		2023		2022		2021		2020		Prior		Revolving Loans		Revolving Converted to Term		Total
Commercial and industrial
Pass/Watch	$	29,768	$	13,064	$	16,231	$	14,639	$	4,518	$	9,457	$	44,199	$	1,022	$	132,898
Special mention	—		—		—		1,498		—		—		—		—		1,498
Substandard	29		—		1,545		—		—		1,106		6,700		—		9,380
Total	$	29,797	$	13,064	$	17,776	$	16,137	$	4,518	$	10,563	$	50,899	$	1,022	$	143,776
Current period gross write-offs	$	120	$	—	$	5	$	—	$	—	$	45	$	—	$	—	$	170

Agricultural production
Pass/Watch	$	5,152	$	284	$	—	$	9	$	—	$	300	$	31,620	$	—	$	37,365
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—		—
Total	$	5,152	$	284	$	—	$	9	$	—	$	300	$	31,620	$	—	$	37,365
Current period gross write-offs	$	—	$	—	$	507	$	—	$	—	$	—	$	—	$	—	$	507

Construction & other land loans
Pass/Watch	$	12,413	$	20,137	$	19,290	$	14,166	$	701	$	733	$	100	$	—	$	67,540
Special mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—		—
Total	$	12,413	$	20,137	$	19,290	$	14,166	$	701	$	733	$	100	$	—	$	67,540
Current period gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial real estate - owner occupied
Pass/Watch	$	48,191	$	23,314	$	45,741	$	43,354	$	31,354	$	117,466	$	7,086	$	—	$	316,506
Special mention	—		—		—		—		158		2,958		—		—		3,116
Substandard	—		1,765		—		—		946		584		—		—		3,295
Total	$	48,191	$	25,079	$	45,741	$	43,354	$	32,458	$	121,008	$	7,086	$	—	$	322,917
Current period gross write-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial real estate - non-owner occupied
Pass/Watch	$	95,131	$	115,292	$	188,516	$	118,773	$	74,762	$	261,586	$	33,453	$	1,250	$	888,763
Special mention	—		—		590		633		—		6,356		—

Community West Bancshares 10-Q