Community West Bancshares · NASDAQ:CWBC
Community West Bancshares — KBW Community Bank Investor Conference 2025
25 slides from Community West Bancshares's conference presentation, Jul 30, 2025
Slide 1: Investor Presentation – KBW Community Bank Investor Conference
Investor Presentation KBW Community Bank Investor Conference July 29-30, 2025 James J. Kim Community West Bancshares, Chief Executive Officer Community West Bank, President & Chief Executive Officer Martin E. Plourd Community West Bancshares, President Shannon R. Livingston Community West Bancshares
Slide 2: Forward-Looking Statements
Forward-Looking Statements 2 Certain 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 business plans and
Slide 3: Mission and Values
Mission Inspire and empower our team to enrich and invest in every relationship by exceeding expectations. Values Teamwork Accountability Excellence Integrity Caring Inclusivity
Slide 4: Investing In Relationships
Slide 5: Executive Officers
Executive Officers din in th James J. Kim Martin E. Plourd Shannon R. Livingston Dawn M. Cagle Chief Executive Officer, President, EVP, Chief Financial Officer, EVP, Chief Human Resource Officer, Community West Bancshares and ‘Community West Bancshares Community West Bancshares ‘Community West Bank
Slide 6: Company Overview & Financial Highlights
Bl | Company Overview & Financial Highlights
Slide 7: Overview
7 NASDAQ Symbol CWBC Market Capitalization $373.2 Million Institutional Ownership 49% Insider Ownership 12% Total Assets $3.6 Billion Headquarters Fresno, CA # of Banking Centers 26 Year Established 1980 Strategic Footprint Central California As of June 30, 2025 Overview
Slide 8: Financial Highlights
8 Q2 YTD 2025 2024 2023 Total Assets $3.58 Billion $3.52 Billion $2.43 Billion Net Income $16.13 Million $7.67 Million $25.54 Million Diluted EPS $0.85 $0.45 $2.17 Net Interest Margin 4.07% 3.76% 3.58% ROAA 0.91% 0.24% 1.04% ROAE 8.63% 2.42% 13.81% Cash Dividends per share $0.24 $0.48 $0.48 Total Lo
Slide 9: Stock & Earnings Overview
Stock & Earnings Overview
Slide 10: Attractive Investment Opportunity
CAGR = 5.37% 10 As of June 30, 2025 Source: NASDAQ Monthly Closing Price Data Attractive Investment Opportunity Dividend Yield – 2.48% 0 5 10 15 20 25 30 6/1/2015 6/1/2016 6/1/2017 6/1/2018 6/1/2019 6/1/2020 6/1/2021 6/1/2022 6/1/2023 6/1/2024 6/1/2025 Pr ic e CWBC Stock Price
Slide 11: Growing Franchise
11 Growing Franchise CAGR = 15.76% 1,832,987 2,267,615 2,439,394 2,460,358 3,190,361 3,540,901 0 500,000 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000 3,500,000 4,000,000 2020 2021 2022 2023 2024 Q2 YTD 2025 Th ou sa nd s Average Total Assets
Slide 12: Strong Net Interest Income and NIM - Annual
12 Strong Net Interest Income and NIM - Annual 64,423 72,554 79,566 82,429 110,367 130,972 3.87 3.54 3.52 3.58 3.76 4.07 3.25 3.35 3.45 3.55 3.65 3.75 3.85 3.95 4.05 4.15 4.25 25,000 35,000 45,000 55,000 65,000 75,000 85,000 95,000 105,000 115,000 125,000 2020 2021 2022 2023 2024 Q2 YTD 2025 Annuali
Slide 13: Strong Net Interest Income and NIM - Quarterly
13 Strong Net Interest Income and NIM - Quarterly 19,073 29,057 30,214 32,024 32,182 33,304 3.42 3.65 3.69 3.95 4.04 4.10 3.00 3.20 3.40 3.60 3.80 4.00 4.20 4.40 4.60 15,000 17,000 19,000 21,000 23,000 25,000 27,000 29,000 31,000 33,000 35,000 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Th ou sa
Slide 14: Solid Earnings
14 Solid Earnings Merger with Community West as of 4/1/2024 1.11 1.25 1.09 1.04 0.24 0.91 8.85 11.50 14.25 13.81 2.42 8.63 - 2.00 4.00 6.00 8.00 10.00 12.00 14.00 16.00 - 0.20 0.40 0.60 0.80 1.00 1.20 1.40 2020 2021 2022 2023 2024 Q2 YTD 2025 R O A E Pe rc en t R O A A P er ce nt ROAA ROAE
Slide 15: Investment Portfolio
15 Investment Portfolio 710,092 1,109,208 648,825 597,196 477,113 469,354 305,107 302,442 301,359 291,405 2.61% 2.31% 2.51% 3.00% 2.90% 2.82% 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 0 200,000 400,000 600,000 800,000 1,000,000 1,200,000 2019 2021 2022 2023 2024 Q2 YTD 2025 Th ou sa nd s AFS S
Slide 16: Deposits Overview
Slide 17: Deposit Mix
17 Deposit Mix Non-Interest Bearing 34% Now/Savings 21% Money Market 29% TCDs 16% As of June 30, 2025 Total Deposits = $3.0 Billion
Slide 18: Average Deposits and Average Cost of Deposits
18 Average Deposits and Average Cost of Deposits CAGR = 14.94% 1,568,194 1,974,576 2,156,092 2,155,241 2,655,928 2,934,754 0.09 0.05 0.06 0.72 1.53 1.44 - 0.20 0.40 0.60 0.80 1.00 1.20 1.40 1.60 1.80 0 500,000 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000 3,500,000 2020 2021 2022 2023 2024 Q2 YT
Slide 19: Lending Overview
Lending Overview
Slide 20: Well Diversified Loan Portfolio
20 Well Diversified Loan Portfolio Commercial & Industrial, 7% Agriculture Production & Land, 7% Owner Occupied Real Estate, 14% Construction & other land loans, 3% Non-Owner Occupied Commerical Real Estate, 39% Multi-family residential, 6% 1-4 family, 6% Manufactured housing, 14% Other consumer, 4%
Slide 21: Average Loan Totals & Yield
21 Average Loan Totals & Yield CAGR = 19.54% 1,053,450 1,067,316 1,133,641 1,263,226 1,978,386 2,352,261 4.94 5.07 4.93 5.53 6.58 6.70 0.00 1.00 2.00 3.00 4.00 5.00 6.00 7.00 8.00 0 500,000 1,000,000 1,500,000 2,000,000 2,500,000 2020 2021 2022 2023 2024 Q2 YTD 2025 Pe rc en t Th ou sa nd s Total Lo
Slide 22: Non-Performing Assets & Allowance for Loan Losses
22 Non-Performing Assets & Allowance for Loan Losses 3,278 946 0 0 6,461 6,769 1.17 0.92 0.86 1.14 1.11 1.20 0.30 0.50 0.70 0.90 1.10 1.30 1.50 0 2,000 4,000 6,000 8,000 10,000 12,000 14,000 16,000 18,000 20,000 2020 2021 2022 2023 2024 Q2 2025 Pe rc en t Th ou sa nd s Non Performing Assets ALLL/Loa
Slide 23: Special Mention Loans
23 Special Mention Loans 36,406 40,845 31,024 9,000 17,384 19,706 3.30 3.93 2.47 0.70 0.74 0.82 - 1.00 2.00 3.00 4.00 5.00 6.00 - 10,000 20,000 30,000 40,000 50,000 60,000 70,000 2020 2021 2022 2023 2024 Q2 2025 Pe rc en t Th ou sa nd s Special Mention Loans SM Loans/Gross Loans
Slide 24: Substandard Loans
24 Substandard Loans 36,136 8,540 27,783 20,301 44,294 59,073 3.28 0.82 2.21 1.57 1.90 2.46 - 1.00 2.00 3.00 4.00 5.00 6.00 - 10,000 20,000 30,000 40,000 50,000 60,000 70,000 2020 2021 2022 2023 2024 Q2 2025 Pe rc en t Th ou sa nd s Substandard Loans Sub Loans/Gross Loans
Slide 25: Bancshares
Bancshares
Community West Bancshares — KBW Community Bank Investor Conference 2025 on 6ix