Community West Bancshares (CWBC) Balance Sheet
CWBC balance sheet, 2025
December 31, 2025 · U.S. dollars$3.69B assets = $3.28B liabilities + $409.6M equity
Both columns are drawn to the same scale: what CWBC owns equals what it owes plus shareholders’ equity. Hover a block for its value.
CWBC financial health
Descriptive bands, not a rating. Fiscal 2025.
CWBC balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $710.6M2016 | $3.69B2025 | +20.1%/yr | |
| Total liabilities | $645.2M2016 | $3.28B2025 | +19.8%/yr | |
| Shareholders’ equity | $65.3M2016 | $409.6M2025 | +22.6%/yr | |
| Cash & short-term investments | $56.8M2016 | $119.0M2025 | +8.6%/yr | |
| Total debt | $29.4M2016 | $142.5M2025 | +19.2%/yr | |
| Net cash (debt) | $27.4M2016 | −$23.5M2025 | −$50.9M | |
| Working capital | −$1.21B2016 | $46.0M2025 | +$1.3B | |
| Book value per share | $7.752016 | $21.482025 | +12.0%/yr | |
| Debt / equity | 0.452016 | 0.352025 | −0.10 | |
| Shares outstanding | 8.4M2016 | 19.1M2025 | +9.5%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
CWBC assets
CWBC liabilities and equity
CWBC debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
CWBC balance sheet
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $119.0M | $423.8M | $461.7M | $680.0M | $228.1M | $77.8M | $101.9M | $81.8M | $635.6M | $56.8M |
| Cash & equivalents | $119.0M | $120.4M | $53.7M | $31.2M | $208.4M | $60.5M | $82.7M | $56.9M | $100.4M | $34.1M |
| Short-term investments | $293.9M | $303.4M | $408.0M | $648.8M | $19.7M | $17.3M | $19.3M | $24.9M | $535.3M | $22.7M |
| Receivables | $0 | $0 | $0 | $76.9M | $32.7M | $29.2M | $32.1M | $759.6M | $25.8M | $623.4M |
| Inventory | $0 | $0 | $0 | −$117.1M | −$243.6M | −$92.3M | −$117.3M | $0 | $372,000 | $137,000 |
| Other current assets | $0 | $0 | $0 | $117.1M | $210.9M | $63.2M | $85.2M | $0 | $0 | $0 |
| Total current assets | $119.0M | $423.8M | $461.7M | $756.9M | $228.1M | $77.8M | $101.9M | $81.8M | $661.5M | $25.1M |
| Property, plant & equipment (net) | $23.5M | $24.5M | $14.0M | $8.0M | $6.6M | $7.2M | $7.7M | $6.4M | $9.4M | $3.9M |
| Goodwill & intangible assets | $105.1M | $106.1M | $53.8M | $53.8M | $55.3M | $55.0M | $28.1M | $56.3M | $56.8M | $41.6M |
| Long-term investments | $763.3M | $785.1M | $906.3M | $29.5M | $22.8M | $22.0M | $25.6M | $32.4M | $36.3M | $31.7M |
| Other non-current assets | $2.68B | $2.18B | $997.6M | $1.57B | $844.3M | $813.4M | $750.6M | $700.4M | $897.6M | $608.3M |
| Total assets | $3.69B | $3.52B | $2.43B | $2.42B | $1.16B | $975.4M | $913.9M | $877.3M | $1.66B | $710.6M |
| Liabilities | ||||||||||
| Accounts payable | — | — | — | $32.6M | $40.0M | $31.2M | $19.8M | $716.0M | $21.3M | $612.2M |
| Short-term debt | $73.0M | $133.4M | $80.0M | $46.0M | $887,000 | $16.0M | $51.0M | $10.0M | $0 | $400,000 |
| Deferred revenue | — | — | — | −$32.6M | −$40.0M | −$31.2M | −$19.8M | — | — | — |
| Total current liabilities | $73.0M | $3.04B | $2.12B | $2.18B | $801.8M | $738.8M | $450.6M | $1.27B | $1.45B | $1.23B |
| Long-term debt | $69.5M | $69.9M | $69.7M | $90.0M | $90.0M | $105.0M | $65.0M | $75.0M | $56.8M | $29.0M |
| Lease obligations | — | — | — | — | — | $8.9M | $10.4M | $0 | $0 | $0 |
| Other long-term liabilities | $3.14B | $45.0M | $35.0M | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total liabilities | $3.28B | $3.16B | $2.23B | $2.25B | $90.0M | $105.0M | $65.0M | $801.1M | $1.45B | $645.2M |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $210.2M | $207.8M | $62.5M | $61.5M | $44.4M | $42.9M | $42.6M | $43.0M | $103.3M | $41.6M |
| Retained earnings (deficit) | $239.0M | $210.0M | $210.5M | $194.4M | $56.9M | $46.1M | $39.5M | $33.3M | $103.4M | $23.8M |
| Treasury stock | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Accumulated other comprehensive income | −$39.6M | −$55.1M | −$66.0M | −$81.2M | $92,000 | $35,000 | −$78,000 | −$141,000 | $2.8M | −$29,000 |
| Minority interest | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Total shareholders' equity | $409.6M | $362.7M | $207.1M | $174.7M | $1.07B | $870.4M | $848.9M | $76.2M | $209.6M | $65.3M |
| Key figures | ||||||||||
| Total debt | $142.5M | $203.3M | $149.7M | $115.6M | $90.9M | $121.0M | $116.0M | $85.0M | $5.2M | $29.4M |
| Net cash (debt) | −$23.5M | $220.5M | $312.0M | $564.4M | $137.2M | −$43.1M | −$14.1M | −$3.2M | $630.5M | $27.4M |
| Working capital | $46.0M | −$2.62B | −$1.66B | −$1.42B | −$573.7M | −$661.0M | −$348.7M | −$1.19B | −$785.5M | −$1.21B |
| Tangible book value | $304.5M | $256.6M | $153.3M | $120.8M | $1.01B | $815.5M | $820.8M | $19.8M | $152.8M | $23.7M |
| Book value per share | $21.48 | $21.11 | $17.62 | $14.88 | $125.36 | $102.72 | $99.90 | $9.04 | $16.47 | $7.75 |
| Shares outstanding | 19.1M | 17.2M | 11.8M | 11.7M | 8.5M | 8.5M | 8.5M | 8.4M | 12.7M | 8.4M |
| Current ratio | 1.63 | 0.14 | 0.22 | 0.35 | 0.28 | 0.11 | 0.23 | 0.06 | 0.46 | 0.02 |
| Quick ratio | 1.63 | 0.14 | 0.22 | 0.35 | 0.33 | 0.14 | 0.30 | 0.66 | 0.46 | 0.55 |
| Debt / equity | 0.35 | 0.56 | 0.72 | 0.66 | 0.09 | 0.14 | 0.14 | 1.12 | 0.02 | 0.45 |
| Equity / assets | 11.1% | 10.3% | 8.5% | 7.2% | 92.2% | 89.2% | 92.9% | 8.7% | 12.6% | 9.2% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $643.4M | $37.9M | $119.0M | $420.8M | $603.7M | $617.4M | $423.8M | $653.0M | $641.6M | $634.5M | −$1.5M | $668.0M |
| Cash & equivalents | $73.3M | $37.9M | $119.0M | $121.6M | $134.4M | $148.4M | $120.4M | $149.0M | $109.7M | $61.0M | $53.7M | $74.6M |
| Short-term investments | $570.1M | $467.9M | $293.9M | $299.2M | $469.4M | $469.0M | $303.4M | $504.0M | $532.0M | $573.5M | $597.2M | $593.4M |
| Receivables | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $66.1M | $0 |
| Total current assets | $643.4M | $37.9M | $119.0M | $420.8M | $603.7M | $617.4M | $423.8M | $653.0M | $641.6M | $634.5M | $64.6M | $668.0M |
| Property, plant & equipment (net) | $39.3M | $25.4M | $23.5M | $23.6M | $24.0M | $23.8M | $24.5M | $23.5M | $21.8M | $14.1M | $22.4M | $9.7M |
| Goodwill & intangible assets | $188.0M | $104.8M | $105.1M | $105.3M | $105.6M | $105.8M | $106.1M | $105.9M | $96.4M | $53.8M | $53.8M | −$5.7M |
| Long-term investments | $856.3M | $755.7M | $763.3M | $766.9M | $767.5M | $776.9M | $785.1M | $812.7M | $840.4M | $882.6M | $906.3M | $17.6M |
| Other non-current assets | $3.31B | $2.78B | $2.68B | $2.30B | $2.08B | $2.03B | $2.18B | $1.94B | $1.88B | $830.6M | $1.39B | $1.75B |
| Total assets | $5.03B | $3.70B | $3.69B | $3.61B | $3.58B | $3.55B | $3.52B | $3.53B | $3.48B | $2.42B | $2.44B | $2.44B |
| Liabilities | ||||||||||||
| Short-term debt | $175.0M | $34.0M | $73.0M | $20.0M | $86.0M | $134.4M | $133.4M | $132.5M | $150.6M | $67.0M | $82.2M | $260,000 |
| Total current liabilities | $4.35B | $34.0M | $73.0M | $3.10B | $3.08B | $3.06B | $3.04B | $3.05B | $3.02B | $2.10B | $1.91B | $2.15B |
| Long-term debt | $75.3M | $69.2M | $69.5M | $70.0M | $70.0M | $69.9M | $69.9M | $69.9M | $69.8M | $69.8M | $69.7M | $90.0M |
| Other long-term liabilities | $0 | $3.18B | $3.14B | $48.8M | $45.9M | $47.9M | $45.0M | $43.7M | $44.7M | $35.9M | $250.1M | $14.9M |
| Total liabilities | $4.43B | $3.28B | $3.28B | $3.21B | $3.20B | $3.18B | $3.16B | $3.17B | $3.13B | $2.20B | $2.23B | $2.25B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $395.7M | $210.9M | $210.2M | $209.7M | $209.3M | $208.7M | $207.8M | $207.2M | $206.8M | $62.8M | $62.5M | $62.3M |
| Retained earnings (deficit) | $247.6M | $248.2M | $239.0M | $230.1M | $221.5M | $216.0M | $210.0M | $205.4M | $204.2M | $212.8M | $210.5M | $206.1M |
| Accumulated other comprehensive income | −$35.5M | −$39.8M | −$39.6M | −$42.2M | −$50.8M | −$52.8M | −$55.1M | −$49.0M | −$60.8M | −$63.9M | −$66.0M | −$86.8M |
| Total shareholders' equity | $607.8M | $419.2M | $409.6M | $397.6M | $380.0M | $371.9M | $362.7M | $363.5M | $350.2M | $211.7M | $207.1M | $181.7M |
| Key figures | ||||||||||||
| Total debt | $250.3M | $103.2M | $142.5M | $90.0M | $156.0M | $204.3M | $203.3M | $202.4M | $220.5M | $136.8M | $158.9M | $69.7M |
| Net cash (debt) | $393.1M | −$65.3M | −$23.5M | $330.8M | $447.8M | $413.1M | $220.5M | $450.6M | $421.2M | $497.7M | −$160.3M | $598.3M |
| Working capital | −$3.71B | $3.9M | $46.0M | −$2.68B | −$2.48B | −$2.45B | −$2.62B | −$2.40B | −$2.38B | −$1.46B | −$1.85B | −$1.48B |
| Tangible book value | $419.8M | $314.4M | $304.5M | $292.2M | $274.4M | $266.1M | $256.6M | $257.6M | $253.9M | $157.9M | $153.3M | $187.3M |
| Book value per share | $26.26 | $21.91 | $21.42 | $20.82 | $19.96 | $19.56 | $19.11 | $19.29 | $18.62 | $17.96 | $17.59 | $15.45 |
| Shares outstanding | 23.1M | 19.1M | 19.1M | 19.1M | 19.0M | 19.0M | 19.0M | 18.8M | 18.8M | 11.8M | 11.8M | 11.8M |
| Current ratio | 0.15 | 1.12 | 1.63 | 0.14 | 0.20 | 0.20 | 0.14 | 0.21 | 0.21 | 0.30 | 0.03 | 0.31 |
| Quick ratio | 0.15 | 1.12 | 1.63 | 0.14 | 0.20 | 0.20 | 0.14 | 0.21 | 0.21 | 0.30 | −0.00 | 0.31 |
| Debt / equity | 0.41 | 0.25 | 0.35 | 0.23 | 0.41 | 0.55 | 0.56 | 0.56 | 0.63 | 0.65 | 0.77 | 0.38 |
| Equity / assets | 12.1% | 11.3% | 11.1% | 11.0% | 10.6% | 10.5% | 10.3% | 10.3% | 10.1% | 8.8% | 8.5% | 7.5% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 11, 2026); data from EODHD.
CWBC financial position
At the end of fiscal 2025 (December 31, 2025), Community West Bancshares had total assets of $3.7 billion (up 4.8% from a year earlier), total liabilities of $3.3 billion and shareholders' equity of $409.6 million. It held $119.0 million in cash and short-term investments against $142.5 million of debt, net debt of $23.5 million. Its current ratio was 1.63. In the latest quarter (ended June 30, 2026) total assets were $5.0 billion and equity $607.8 million.
Related: CWBC income statement, CWBC cash flow statement, CWBC key metrics. See the CWBC stock overview for the latest quote and news.
CWBC balance sheet FAQ
What are Community West Bancshares's total assets?
Community West Bancshares reported total assets of $3.7 billion at the end of fiscal 2025 (December 31, 2025), compared with $3.5 billion a year earlier.
How much debt does Community West Bancshares have?
Community West Bancshares had $142.5 million of total debt at the end of fiscal 2025, including short-term borrowings. Its debt-to-equity ratio was 0.35.
How much cash does Community West Bancshares have?
Community West Bancshares held $119.0 million in cash and short-term investments at the end of fiscal 2025; with $142.5 million of debt that is net debt of $23.5 million.
What is Community West Bancshares's book value?
Community West Bancshares's shareholders' equity (book value) was $409.6 million at the end of fiscal 2025, or $21.48 per share.
What is Community West Bancshares's current ratio?
Community West Bancshares had current assets of $119.0 million and current liabilities of $73.0 million, a current ratio of 1.63 (it can cover its short-term obligations).
How much goodwill does Community West Bancshares have?
Community West Bancshares carried $105.1 million of goodwill and intangible assets, 2.8% of total assets, at the end of fiscal 2025.