West Coast Community Bancorp · NASDAQ:WCCB
West Coast Community Bancorp — Investor Presentation (July 2026)
34 slides from West Coast Community Bancorp's investor presentation, July 2026
Slide 1: Investor Presentation July 2026
Investor Presentation July 2026
Slide 2: Disclaimer
Disclaimer This investor presentation has been prepared by West Coast Community Bancorp (traded as “WCCB" on the OTCQX, the "Company"), and its wholly owned subsidiary, West Coast Community Bank (formerly known as Santa Cruz County Bank) (the “Bank”), solely for informational purposes based on its o
Slide 3: About West Coast Community Bank
About West Coast Community Bank Largest community bank headquartered in California’s Central Coast region; founded in Santa Cruz in 2004 209 full-time equivalent employees as of June 30, 2026 $2.95 billion in assets as of June 30, 2026 Ten branches across four counties: Monterey, San Luis Obispo, Sa
Slide 4: Leadership Team
Leadership Team Krista Snelling Cecilia Situ Jon P. Sisk Angelo DeBernardo, Jr. Chairman & Chief Executive Officer EVP Chief Financial Officer EVP Chief Banking Officer EVP Chief Lending Officer Mark Gouvion Shawn Lipman Matthew March Maxwell Sinclair EVP Chief Operations Officer EVP Chief Credit Of
Slide 5: Attractive Markets
Attractive Markets *Per FDIC data as of June 30, 2025 **U.S. Census Bureau data 2024 West Coast Community Bancorp Q2 2026 Investor Presentation | 5
Slide 6: Financial Highlights
Financial Highlights WEST COAST
Slide 7: Q2 2026 Consolidated Financial Results
Q2 2026 Consolidated Financial Results Balance Sheet Consistent Strong Earnings Healthy Credit Strength Profitability Metrics Quality $2.945 Billion $33.1 Million(1) 1.69% / 1.87%(1) 0.62% Q2 ROAA / Q2 Non-GAAP Adjusted Total Assets Q2 Net Interest Income Nonperforming Assets/Assets ROAA $2.271 Bill
Slide 8: Consistent Balance Sheet Growth
Consistent Balance Sheet Growth ($ in millions) *Also excludes Paycheck Protection Program (PPP) loan balances. Denotes acquisition through bank merger West Coast Community Bancorp Q2 2026 Investor Presentation | 8
Slide 9: Strong Profitability
Strong Profitability ($ in millions) Adjusted, non-GAAP measures exclude certain merger related expenses in Q4 2024 in addition to the accelerated discount accretion on the early redemption of the Company's subordinated debt in Q2 2025, Q4 2025 and Q2 2026. See Non-GAAP Reconciliation for reconcilia
Slide 10: High Margin Drives Profitability
High Margin Drives Profitability ($ in millions, except per share data) Net Interest Income/Net Interest Margin* Diluted Earnings per Share ("EPS") *Net interest margin is adjusted for tax equivalent basis. Adjusted, non-GAAP measures exclude certain merger related expenses in Q4 2024 in addition to
Slide 11: Attractive Deposit Mix
Attractive Deposit Mix As of June 30, 2026 The 10 largest deposit relationships, excluding fully collateralized government agency deposits, represent approximately 13.2% of total deposits. Growth opportunities include: ▪ Expanded Central Coast presence ▪ Silicon Valley/Bay Area ▪ Local municipalitie
Slide 12: Disciplined Credit Culture
Disciplined Credit Culture ($ in 000s) Nonperforming Loans (net of Deferred Loan Fees and Costs) 2021YE 2022YE 2023YE 2024YE 2025YE 2026Q1 2026Q2 Nonaccrual Loans * Commercial & Industrial $ 163 $ 1,243 $ — $ — $ — $ — $ — Land & Construction — 990 — — 10,000 — — Commercial Real Estate — — 6,526 504
Slide 13: Loans By Type
Loans By Type ($ in millions, except as noted) $2.271 Billion in Total Outstanding Loans as of June 30, 2026 Q2 2026 tax equivalent loan yield of 6.94%, up 2 bps from 6.92% in Q1 2026. The slight increase in the loan yield over prior quarter was primarily due to prepayment penalty income on the earl
Slide 14: Real Estate Loan Detail
Real Estate Loan Detail ($ in millions, except as noted) $1.414 Billion in Total Commercial Real Estate Loans as of June 30, 2026* Total Weighted Average LTV: 49% based on the most **Alameda, San Francisco, San Mateo, Contra Costa, recently available appraisal data Sonoma, Solano, Napa and Marin cou
Slide 15: Organic Loan Growth and Pricing
Organic Loan Growth and Pricing ($ in millions) Figures gross of deferred expenses, fees and purchase discounts. Loan rates are weighted by loan balances and exclude the impacts of any purchase discounts or deferred fees and costs. Q4-2024 loan growth data excludes loans acquired via the merger with
Slide 16: Fixed Vs. Variable Rate Loans and Repricing Timeline
Fixed Vs. Variable Rate Loans and Repricing Timeline ($ in millions) Interest Rate Structure as of June 30, 2026 Figures gross of deferred expenses, fees and purchase discounts. (1) Of the loans at their floor rate, 85% will remain at the floor for more than 12 months. (2) Floating/Instant: WSJ Prim
Slide 17: Fixed Vs. Variable Rate Loans and Loan Floor Rates
Fixed Vs. Variable Rate Loans and Loan Floor Rates ($ in millions) Interest Rate Structure as of June 30, 2026 Figures gross of deferred expenses, fees and purchase discounts. West Coast Community Bancorp Q2 2026 Investor Presentation | 17
Slide 18: Upcoming CRE Interest Rate Repricing
Upcoming CRE Interest Rate Repricing ($ in millions) Scheduled Interest Rate Repricing Through June 2028 Non-Owner-Occupied CRE with a Senior Lien, Non-SBA; Data as of June 30, 2026 Total Loans to Reprice $153.34 Million % of Total NOO CRE 13.9% Avg. Rate Change +152 bps Current Weighted Avg. DSCR 2
Slide 19: Changes in Allowance for Credit Losses on Loans in Q2 2026
Changes in Allowance for Credit Losses on Loans ("ACL") in Q2 2026 ($ in 000s) West Coast Community Bancorp Q2 2026 Investor Presentation | 19
Slide 20: Investment Portfolio Composition
Investment Portfolio Composition Municipal Bond Ratings As of June 30, 2026 ▪ Chart includes available-for-sale ("AFS") securities at market value and held-to- maturity ("HTM") securities at amortized cost. ▪ Effective duration of the investment portfolio is 3.8 years. ▪ 98% of the carrying value of
Slide 21: Disciplined Expense Management Enhances Profitability
Disciplined Expense Management Enhances Profitability ($ in millions) Adjusted, non-GAAP measures exclude certain merger related expenses in Q4 2024 in addition to the accelerated discount accretion on the early redemption of the Company's subordinated debt in Q2 2025, Q4 2025, and Q2 2026. See Non-
Slide 22: Relationship-Based Pricing Drives NIM and Loan Yields
Relationship-Based Pricing Drives NIM and Loan Yields 5-Year Yield on Loans and Net Interest Margin Trend Compared to Peers (1)Includes loan fee income, expenses and purchase discount accretion from acquired loans. Peers include all publicly listed banks headquartered in California with total assets
Slide 23: Disciplined Pricing Drives Low Cost of Funds
Disciplined Pricing Drives Low Cost of Funds 5-Year Cost of Funds Trend Compared to Peers Adjusted, non-GAAP measure excludes the accelerated discount accretion on the early redemption of the Company's subordinated debt in Q2 2025, Q4 2025 and Q2 2026. See Non-GAAP Reconciliation for reconciliation
Slide 24: Robust Capital Position Even Post Merger & Post Stock Repurchase
Robust Capital Position Even Post Merger & Post Stock Repurchase in 2025 TCE Ratio Tier 1 Ratio Total Capital Ratio Leverage Ratio West Coast Community Bancorp Q2 2026 Investor Presentation | 24
Slide 25: Tangible Book Value Per Share Continues Upward Trend
Tangible Book Value Per Share Continues Upward Trend Tangible Book Value per Share = (Shareholder’s Equity - Goodwill & Intangibles) / Outstanding Shares Adjusted for stock dividends and splits West Coast Community Bancorp Q2 2026 Investor Presentation | 25
Slide 26: Shareholder-Focused
Shareholder-Focused Superior Price Performance Quarterly Cash Dividend Paid Relative Price Performance % through July 10, 2026. West Coast Community Bancorp Q2 2026 Investor Presentation | 26
Slide 27: Highlights
Highlights West Coast Community Bancorp Q1 2026 Investor Presentation | 27
Slide 28: Community Reinvestment
Community Reinvestment More than 1,100 Hours of Community Service in Q2 2026 Through volunteerism and service on boards and committees, we reinvest our time and financials into the communities we serve by supporting local nonprofits, service clubs, Junior Achievement of Food Bank Monterey County cha
Slide 29: Rankings and Recognition | National
Rankings and Recognition | National NEWSWEEK MAGAZINE INDEPENDENT COMMUNITY BANKERS OF AMERICA Named one of the 2026 Top 500 Regional Banks & Credit TOP 25 Unions in the U.S. Rated #12 for best-performing community banks TIME MAGAZINE AMERICA'S GROWTH LEADERS with assets greater than $1B. FOR 2026 B
Slide 30: Rankings and Recognition | Regional
Rankings and Recognition | Regional SILICON VALLEY BUSINESS JOURNAL ▪ Named a 2026 Top Corporate Philanthropist for 2025 giving. ▪ Ranked #14 among Silicon Valley’s 25 largest SBA Lenders by 2025 loan value. ▪ Ranked #14 for Silicon Valley Banks with Fastest-growing Deposits as of December 31, 2025.
Slide 31: Appendices
Appendices
Slide 32: Non-GAAP Reconciliation
Non-GAAP Reconciliation Tangible common equity to tangible assets (the "tangible common equity ratio") and tangible book value per share are non-U.S. GAAP financial measures derived from U.S. stock GAAP-based amounts. We calculate the tangible common equity ratio by excluding the balance of intangib
Slide 33: Non-GAAP Reconciliation (continued)
Non-GAAP Reconciliation (continued) Dollars in thousands, except per share amounts Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 QTD Net Income $ 8,199 $ 3,840 $ 11,678 $ 12,918 $ 12,061 $ 13,772 $ 14,987 $ 12,161 Add: accelerated accretion on discount of partially redeemed subordi
Slide 34: Non-GAAP Reconciliation (continued)
Non-GAAP Reconciliation (continued) Dollars in thousands, except per share amounts Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 QTD Net interest income reported per GAAP $ 20,517 $ 34,076 $ 32,345 $ 32,807 $ 34,634 $ 34,444 $ 34,082 $ 33,138 Add: accelerated accretion of discount
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