Community West Bancshares 2026年季度报告

FORM10-Q (Mark One) ☒QUARTERLY REPORT PURSUANT TO SECTION13 OR 15(d)OF THE SECURITIESEXCHANGE ACT OF 1934FOR THE QUARTERLY PERIOD ENDED MARCH31, 2026☐TRANSITION REPORT PURSUANT TO SECTION13 OR 15(d)OF THE SECURITIESEXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROMTO COMMISSION FILE NUMBER: 000-31977 COMMUNITY WEST BANCSHARES California77-0539125(State or other jurisdiction of incorporation or organization)(I.R.S. Employer Identification No.) 7100 N. Financial Dr., Suite101, Fresno, California93720(Address of principal executive offices)(Zip code) Registrant’s telephone number(559) 298-1775 Securities registered pursuant to Section 12(b) of the Act: NASDAQCapitalMarket (Name of Each Exchange on which Registered) (Trading Symbol) Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15 (d)of theSecurities Exchange Act of 1934 during the past 12 months (or for such shorter period that the registrant was required tofile 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 Rule405 of Regulation S-T (§232.405 ofthis chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit andpost 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 reportingcompany,” and “emerging growth company” in Rule12b-2 of the Exchange Act. Large accelerated filer☐Accelerated filer☒Emerging growth companyNon-accelerated filer☐Small reporting company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transitionperiod for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of theExchange Act☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2 of the ExchangeAct).Yes☐No☒ As of May7, 2026 there were 27,134,206 shares of the registrant’s common stock outstanding. COMMUNITY WEST BANCSHARES 2026 QUARTERLY REPORT ON FORM10-Q TABLE OF CONTENTS PART 1FINANCIAL INFORMATION5ITEM 1Financial Statements (Unaudited)5Consolidated Balance Sheets5Consolidated Statements of Income6Consolidated Statements of Comprehensive Income7Consolidated Statements of Changes in Shareholders’ Equity8Consolidated Statements of Cash Flows9Notes to Consolidated Financials11ITEM 2Management's Discussion and Analysis of Financial Condition and Results of Operations37ITEM 3Quantitative and Qualitative Disclosure about Market Risk54ITEM 4Controls and Procedures54PART IIOTHER INFORMATION54ITEM 1Legal Proceedings54ITEM 1ARisk Factors55ITEM 2Unregistered Sales of Equity Securities and Use of Proceeds55ITEM 3Defaults Upon Senior Securities55ITEM 4Mine Safety Disclosures55ITEM 5Other Information55ITEM 6Exhibits56SIGNATURES57 CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTSCertain 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 businessplans and expectations regarding future operating results. Forward-looking statements may include, but are not limited to, the use offorward-looking language, such as “likely result in,” “expects,” “anticipates,” “estimates,” “forecasts,” “projects,” “intends to,” or mayinclude other similar words or phrases, such as “believes,” “plans,” “trend,” “objective,” “continues,” “remains,” or similarexpressions, or future or conditional verbs, such as “will,” “would,” “should,” “could,” “may,” “might,” “can,” or similar verbs. Theseforward-looking statements are subject to risks and uncertainties that could cause actual results, performance or achievements to differmaterially 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 offinancial instruments or our level of loan originations, or increase the level of defaults, losses and prepayments on loans wehave made and make, whether held in the portfolio or in the secondary market;•effects of and changes in trade, monetar