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CWBC (Community West Bancshares) Effective Interest Rate on Debt % : 26.53% (As of Dec. 2024)


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What is Community West Bancshares Effective Interest Rate on Debt %?

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Community West Bancshares's annualized positive value of Interest Expense for the quarter that ended in Dec. 2024 was $53.8 Mil. Community West Bancshares's average total debt for the quarter that ended in Dec. 2024 was $202.8 Mil. Therefore, Community West Bancshares's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 was 26.53%.


Community West Bancshares Effective Interest Rate on Debt % Historical Data

The historical data trend for Community West Bancshares's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Community West Bancshares Effective Interest Rate on Debt % Chart

Community West Bancshares Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 15.39 5.84 4.41 15.07 28.33

Community West Bancshares Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 18.30 33.46 28.52 26.53 25.43

Competitive Comparison of Community West Bancshares's Effective Interest Rate on Debt %

For the Banks - Regional subindustry, Community West Bancshares's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Community West Bancshares's Effective Interest Rate on Debt % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Community West Bancshares's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Community West Bancshares's Effective Interest Rate on Debt % falls into.


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Community West Bancshares Effective Interest Rate on Debt % Calculation

Community West Bancshares's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2024 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2023 )+Total Debt  (A: Dec. 2024 ))/ count )
=-1  *  -50.021/( (149.744+203.331)/ 2 )
=-1  *  -50.021/176.5375
=28.33 %

where

Total Debt  (A: Dec. 2023 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=69.744 + 80
=149.744

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=69.889 + 133.442
=203.331

Community West Bancshares's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Sep. 2024 )+Total Debt  (Q: Dec. 2024 ))/ count )
=-1  *  -53.82/( (202.361+203.331)/ 2 )
=-1  *  -53.82/202.846
=26.53 %

where

Total Debt  (Q: Sep. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=69.853 + 132.508
=202.361

Total Debt  (Q: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=69.889 + 133.442
=203.331

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Dec. 2024) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.


Community West Bancshares  (NAS:CWBC) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Community West Bancshares Effective Interest Rate on Debt % Related Terms

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Community West Bancshares Business Description

Traded in Other Exchanges
N/A
Address
7100 North Financial Drive, Suite 101, Fresno, CA, USA, 93720
Community West Bancshares is a bank holding company whose principal business is to serve as the holding company for its wholly-owned subsidiary Community West Bank N.A. Through CWB, the Company provides a variety of financial products and full-service Banking Centers within California's Greater Sacramento, San Joaquin Valley, and Central Coast regions, that provide Commercial Lending, Real Estate, Agribusiness, Private Banking, and Cash Management Departments.
Executives
Dorothea D Silva director 7100 N. FINANCIAL DRIVE, SUITE 101, FRESNO CA 93720
James J Kim officer: EXECUTIVE VICE PRESIDENT 7100 N. FINANCIAL DRIVE, SUITE 101, FRESNO CA 93720
Shannon R Avrett officer: EXECUTIVE VICE PRESIDENT 7100 N. FINANCIAL DRIVE, SUITE 101, FRESNO CA 93720
Dawn M Cagle officer: EXECUTIVE VICE PRESIDENT 7100 N. FINANCIAL DRIVE, SUITE 101, FRESNO CA 93720
Jeffrey Michael Martin officer: EXECUTIVE VICE PRESIDENT 7100 N. FINANCIAL DRIVE, SUITE 101, FRESNO CA 93720
Steven D Mcdonald director
Patrick A Luis officer: EXECUTIVE VICE PRESIDENT 7100 N. FINANCIAL DRIVE, SUITE 101, FRESNO CA 93720
Anthony Kenneth Ramos officer: EXECUTIVE VICE PRESIDENT 7100 N. FINANCIAL DRIVE, SUITE 101, FRESNO CA 93720
Daniel J Doyle director, officer: PRESIDENT & CEO 10335 N. ARCHIE, FRESNO CA 93720
Andriana D Majarian director 7100 N. FINANCIAL DRIVE, SUITE 101, FRESNO CA 93720
Blaine Lauhon officer: EXECUTIVE VICE PRESIDENT 7100 N. FINANCIAL DRIVE, SUITE 101, FRESNO CA 93720
Louis C Mcmurray director, 10 percent owner 2520 NORTH ARGYLE, FRESNO CA 93727
Daniel N Cunningham director 7100 N. FINANCIAL DRIVE, SUITE 101, FRESNO CA 93720
Teresa Gilio officer: EXECUTIVE VICE PRESIDENT 7100 N. FINANCIAL DRIVE, SUITE 101, FRESNO CA 93720
Dawn P Crusinberry officer: EXECUTIVE VICE PRESIDENT 7100 N. FINANCIAL DRIVE, SUITE 101, FRESNO CA 93720