Community West Bancshares · NASDAQ:CWBC
Community West Bancshares — Janney CEO Forum 2026
24 slides from Community West Bancshares's conference presentation, Feb 3, 2026
Slide 1: Investor Presentation – Janney CEO Forum February 4-5, 2026
Investor Presentation Janney CEO Forum February 4-5, 2026 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 and Bank Executive
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 3
Slide 4: Investing In Relationships
Slide 5: Executive Officers
Executive Officers Jn bi James J. Kim Martin E. Plourd Chief Executive Officer, President, Community West Bancshares and ‘Community West Bancshares Chief Executive Officer & President, 43 Years of Experience ‘Community West Bank 24 Years of Experience Jeff M. Martin EVP, Chief Banking Officer, ‘Comm
Slide 6: Company Overview & Financial Highlights
willl. | Company Overview & Financial Highlights
Slide 7: Overview
7 NASDAQ Symbol CWBC Market Capitalization $431.2 Million Institutional Ownership 53% Insider Ownership 12% Total Assets $3.7 Billion Headquarters Fresno, CA # of Banking Centers 26 Year Established 1980 Strategic Footprint Central California As of December 31, 2025 Overview
Slide 8: Financial Highlights
8 2025 2024 2023 Total Assets $3.69 Billion $3.52 Billion $2.43 Billion Net Income $38.17 Million $7.67 Million $25.54 Million Diluted EPS $2.00 $0.45 $2.17 Net Interest Margin 4.15% 3.76% 3.58% ROAA 1.07% 0.24% 1.04% ROAE 9.92% 2.42% 13.81% Cash Dividends per share $0.48 $0.48 $0.48 Total Loan Yiel
Slide 9: Financial Highlights – Fourth Quarter & YTD 2025
9 Financial Highlights – Fourth Quarter & YTD 2025
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Slide 11: Attractive Investment Opportunity
Attractive Investment Opportunity Based on stock price as of December 31, 2025 Source: NASDAQ Monthly Closing Price Data 11 10 YR CAGR = 5.86% Dividend Yield – 2.25% 0 5 10 15 20 25 30 12/1/2015 12/1/2016 12/1/2017 12/1/2018 12/1/2019 12/1/2020 12/1/2021 12/1/2022 12/1/2023 12/1/2024 12/1/2025 P ri
Slide 12: Quarterly Performance
Quarterly Performance Merger with Community West as of 4/1/2024 Merger with Community West as of 4/1/2024 Merger with Community West as of 4/1/2024 12 0.61 (0.73) 0.38 0.78 0.94 0.88 1.21 1.23 -1 -1 0 1 1 2 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025R O A A P e rc en t ROAA ROAA
Slide 13: Annual Performance
20,347 28,401 26,645 25,536 7,666 38,168 0 5,000 10,000 15,000 20,000 25,000 30,000 35,000 40,000 2020 2021 2022 2023 2024 2025 T ho u sa nd s Net Income Net Income Annual Performance Merger with Community West as of 4/1/2024 13 Merger with Community West as of 4/1/2024 Merger with Community West as
Slide 14: Growing Earnings Power - Quarterly
19,073 29,057 30,214 32,024 32,182 33,304 34,944 35,749 3.42 3.65 3.69 3.95 4.04 4.10 4.20 4.24 3.00 3.20 3.40 3.60 3.80 4.00 4.20 4.40 4.60 5,000 10,000 15,000 20,000 25,000 30,000 35,000 40,000 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 T ho us an d s Net Interest Income and N
Slide 15: Growing Earnings Power - Annual
Growing Earnings Power - Annual Merger with Community West as of 4/1/2024 15 64,423 72,554 79,566 82,429 110,367 136,180 3.52 3.58 3.76 4.04 4.07 4.12 3.00 3.20 3.40 3.60 3.80 4.00 4.20 4.40 4.60 5,000 25,000 45,000 65,000 85,000 105,000 125,000 145,000 2020 2021 2022 2023 2024 2025 T ho u sa nd s N
Slide 16: Lending Overview
Lending Overview
Slide 17: Loans
Loans 17 2,278,313 2,302,768 2,327,832 2,364,456 2,410,272 2,475,184 6.53 6.61 6.69 6.71 6.65 6.66 6.20 6.40 6.60 6.80 7.00 2,100,000 2,200,000 2,300,000 2,400,000 2,500,000 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 T ho u sa nd s Quarterly Average Loans and Yield on Loans Average Loans Yield
Slide 18: Loan Composition
Loan Composition 18 Commercial & Industrial, 6% Agriculture Production & Land, 7% Owner Occupied Real Estate, 15% Construction & other land loans, 3% Non-Owner Occupied Commerical Real Estate, 39% Multi-family residential, 8% 1-4 family, 6% Manufactured housing, 13% Other consumer, 4% As of December
Slide 19: Strong Credit Quality
Strong Credit Quality 19 0 2,806 3,250 6,461 6,936 6,769 7,072 6,955 1.14 1.11 1.08 1.11 1.11 1.20 1.21 1.18 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 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 P e rc e nt T ho us a nd
Slide 20: Low Levels of Criticized and Classified Assets
Low Levels of Criticized and Classified Assets 20 5,595 25,576 28,799 17,384 17,209 19,706 24,926 54,155 0.43 1.13 1.25 0.74 0.73 0.82 1.02 2.13 - 1.00 2.00 3.00 4.00 5.00 6.00 - 20,000 40,000 60,000 80,000 100,000 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 P e rc e nt T ho us a
Slide 21: Deposits Overview
Deposits Overview
Slide 22: Deposits
Deposits 22 2,934,951 2,904,868 2,906,477 2,962,832 3,070,299 3,114,530 1.70 1.50 1.43 1.42 1.41 1.40 1.20 1.30 1.40 1.50 1.60 1.70 1.80 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 2,600,000 2,700,000 2,800,000 2,900,000 3,000,000 3,100,000 3,200,000 Quarterly Average Total Deposits And Cost of
Slide 23: Deposits
Deposits 23 Non-Interest Bearing 34% Now/Savings 22% Money Market 28% TCDs 16% As of December 31, 2025 Total Deposits = $3.1 Billion
Slide 24: Bancshares
Bancshares