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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Community West Bancshares
Community West Bancshares (CWBC) investor relations material
Community West Bancshares Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary22 Oct, 2026
Executive summary
Q3 2026 net income was $8.07M, or $0.30 diluted EPS, versus $10.87M and $0.57 YoY and $2.70M and $0.10 in Q2; adjusted net income was $17.79M, or $0.66 diluted EPS.
Higher net interest income and organic growth supported results, offset by merger costs, a $6.62M legal settlement expense and elevated credit costs.
Financial highlights
Q3 net interest income before credit-loss provision rose 52.66% YoY to $53.34M; 9M net interest income rose 39.66% to $140.26M.
Q3 non-interest income was $4.68M, up 57.8% YoY; 9M non-interest income fell 30.8% to $5.50M, mainly reflecting $5.92M in realized securities losses.
Q3 non-interest expense was $46.17M, including $7.17M merger costs and a $6.62M legal settlement; 9M expense increased 59.4% to $108.30M.
9M net income was $22.25M, or $0.91 diluted EPS, versus $27.00M and $1.42 in 9M 2025.
At Sept. 30, total assets were $5.01B; gross loans were $3.56B, up 40.22% from year-end, and deposits were $4.22B, up 36.35%.
Segment performance
Banking operations are the sole reportable segment; loans and leases generate most interest and fee income, with deposits, securities, bank-owned life insurance and service charges as additional revenue sources.
The acquired student-loan portfolio had $23.0M principal outstanding and a $6.7M allowance at Sept. 30; higher-than-expected charge-offs drove consumer credit provision in Q3.
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Latest events from Community West Bancshares
- Asset growth, profitability, and mergers drive expansion with strong credit quality and stable funding.CWBC
Investor presentation - Q2 2026 earnings dropped on merger costs, but assets and deposits surged post-USB merger.CWBCQ2 2026
- Q1 2026 saw robust earnings, higher margins, and stable credit quality across a diversified portfolio.CWBCInvestor presentation
- Earnings and EPS increased on strong loan growth and merger completion, with robust capital ratios.CWBCQ1 2026
- Annual meeting covers director elections, auditor ratification, and executive pay approval.CWBCProxy filing
- Asset growth and portfolio diversification continue, but 2024 YTD shows a net loss amid industry risks.CWBCInvestor presentation
- Assets surged 43% to $3.5B, with robust loan growth and a diversified, high-quality portfolio.CWBCInvestor presentation
- Q3 2024 saw asset growth, higher net interest margin, and strong capital, despite lower profits.CWBCInvestor presentation
- Total assets surged 45% to $3.5B, with robust earnings and a diversified loan portfolio.CWBCInvestor presentation
Next Community West Bancshares earnings date
Q4 202621 Jan, 2027
Community West Bancshares
Next Community West Bancshares earnings date
Q4 202621 Jan, 2027
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Frequently asked questions
Community West Bancshares operates as the holding company for Community West Bank, a full-service commercial bank. The bank provides a range of financial products and services tailored to small and medium-sized businesses, as well as individuals. These offerings include commercial and residential real estate loans, small business loans, agricultural loans, and personal banking services such as savings accounts, checking accounts, and certificates of deposit. Community West Bank also provides online banking, cash management services, and various financial solutions to support local businesses and communities. The company is headquartered in Goleta, California, and its shares are listed on the NASDAQ.