CW Bancorp Reports Financial Performance for 2025 Fourth Quarter and Full Year
CW Bancorp Reports Financial Performance for 2025 Fourth Quarter and Full Year
On January 29, 2026, CW Bancorp (OTCQX: CWBK), the parent company of CommerceWest Bank, announced its consolidated financial results for the fourth quarter and the full year of 2025. This report highlights significant figures that indicate both challenges and successes over the past year.
Fourth Quarter Overview
In the fourth quarter of 2025, CW Bancorp reported a consolidated net income of $3.45 million, equating to $1.17 per diluted share. This marks a 10% decrease from the fourth quarter of 2024, where the company reported a net income of $3.94 million or $1.30 per diluted share. The key financial metrics reveal a decrease in earnings per share (EPS) but overall solid performance as the company continues to focus on growth and stability.
Key Financial Metrics
- - Net Income: $3,450,000
- - EPS: $1.17
- - Return on Assets (ROA): 1.19%
- - Return on Tangible Equity (ROTE): 15.04%
- - Provision for credit losses for Q4 was zero, compared to $25,000 for the same quarter last year.
Full Year Results
For the entire year ending December 31, 2025, the company’s consolidated net income was $12.25 million, resulting in an EPS of $4.09. This represents a 5% decrease when compared with $13.15 million and $4.30 per diluted share for the previous year. Despite these figures, CW Bancorp experienced an increase in net interest income, up 5% year-over-year, contributing positively to overall performance.
Financial Highlights for 2025
- - Total Interest Income: Increased by 2% to $55,274,000.
- - Total Interest Expense: Decreased by 5%, totaling $13,512,000.
- - Net Interest Margin: Rose to 3.86%, exhibiting improved efficiency in generating income from loans.
Management Commentary
Mr. Ivo A. Tjan, Chairman, President and CEO, commented on the financial results, emphasizing the strength of their balance sheet and the effectiveness of their expense management. He noted, "Our capital and liquidity position remains strong, underpinned by improvements in net interest income as we advance into 2026. We foresee a year of solid growth and improved profitability for CommerceWest Bank."
Asset and Loan Performance
As of December 31, 2025, the total assets of the bank decreased slightly, showing a 1% decline from the prior year, standing at $1.48 billion. However, total loans increased marginally by $2.5 million within the same period, showcasing the bank's focus on lending while balancing asset management.
Additional Insights
- - Total Deposits: Decreased by $18.4 million, totaling $1.32 billion.
- - Non-Interest Income: Suffered a downturn with figures dropping 40% in Q4, emphasizing the need for the bank to diversify its revenue streams.
- - Efficiency Ratio: Increased to 59.27%, which reflects higher operational costs relative to income earned.
Conclusion
While CW Bancorp faced some challenges reflected in their earnings and expenditures, the overall performance remained solid, indicating a robust banking strategy and a commitment to customer service. The company is looking towards the future with confidence and aims for greater profitability in 2026. For further information about CW Bancorp and its offerings, visit cwbk.com.
By focusing on client-centered banking solutions for small and medium-sized businesses, CW Bancorp is poised to lead in redefining customer experiences in the banking industry.
In summary, CW Bancorp's financial results for the fourth quarter and full year of 2025 exhibit resilience and a strong foundation, setting the stage for anticipated advancements in the coming year.
Topics Financial Services & Investing）
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