Community West Bancshares · NASDAQ:CWBC
Community West Bancshares — KBW Virtual West Coast Bank Field Trip (November 2025)
24 slides from Community West Bancshares's conference presentation, Nov 17, 2025
Slide 1: Investor Presentation – KBW Virtual West Coast Bank Field Trip
Investor Presentation KBW Virtual West Coast Bank Field Trip November 17, 2025 James J. Kim Community West Bancshares, Chief Executive Officer Community West Bank, President & Chief Executive Officer Shannon R. Livingston Community West Bancshares and Bank Executive Vice President, Chief Financial O
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: Slide 4
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 $398.9 Million Institutional Ownership 53% Insider Ownership 12% Total Assets $3.6 Billion Headquarters Fresno, CA # of Banking Centers 26 Year Established 1980 Strategic Footprint Central California As of September 30, 2025 Overview
Slide 8: Financial Highlights
8 Q3 YTD 2025 2024 2023 Total Assets $3.61 Billion $3.52 Billion $2.43 Billion Net Income $27.00 Million $7.67 Million $25.54 Million Diluted EPS $1.42 $0.45 $2.17 Net Interest Margin 4.12% 3.76% 3.58% ROAA 1.01% 0.24% 1.04% ROAE 9.52% 2.42% 13.81% Cash Dividends per share $0.36 $0.48 $0.48 Total Lo
Slide 9: Financial Highlights – Third Quarter 2025
9 Financial Highlights – Third Quarter 2025
Slide 10: Overview
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Slide 11: CWBC Stock Price – Attractive Investment Opportunity
0 5 10 15 20 25 30 10/1/2015 10/1/2016 10/1/2017 10/1/2018 10/1/2019 10/1/2020 10/1/2021 10/1/2022 10/1/2023 10/1/2024 10/1/2025 P ri ce CWBC Stock Price Attractive Investment Opportunity Based on stock price as of October 31, 2025 Source: NASDAQ Monthly Closing Price Data 11 10 YR CAGR = 5.94% Divi
Slide 12: Quarterly Performance
5,894 3,676 -6,290 3,385 6,895 8,293 7,832 10,873 -8,000 -6,000 -4,000 -2,000 0 2,000 4,000 6,000 8,000 10,000 12,000 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 T ho us an d s Net Income Net Income 12.78 7.08 (7.51) 3.84 7.55 8.97 8.30 11.25 (10.00) (5.00) - 5.00 10.00 15.00 Q4
Slide 13: Annual Performance
1.11 1.25 1.09 1.04 0.24 1.01 - 0.20 0.40 0.60 0.80 1.00 1.20 1.40 2020 2021 2022 2023 2024 2025 YTD R O A A P e rc en t ROAA ROAA Annual Performance Merger with Community West as of 4/1/2024 13 Merger with Community West as of 4/1/2024 8.85 11.50 14.25 13.81 2.42 9.52 - 2.00 4.00 6.00 8.00 10.00 12
Slide 14: Growing Earnings Power - Quarterly
20,116 19,073 29,057 30,214 32,024 32,182 33,304 34,944 3.52 3.42 3.65 3.69 3.95 4.04 4.10 4.20 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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 T ho u sa nd s Net Interest Income and N
Slide 15: Growing Earnings Power - Annual
64,423 72,554 79,566 82,429 110,367 133,908 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 Q3 YTD 2025 Annualized T ho u sa nd s Net Interest Income and Net Interest Margin Net Interest Inc
Slide 16: Lending Overview
Lending Overview
Slide 17: Loans
Loans 17 1,053,450 1,067,316 1,133,641 1,263,226 1,978,386 2,367,824 4.94 5.07 4.93 5.53 6.58 6.68 4.00 4.50 5.00 5.50 6.00 6.50 7.00 0 500,000 1,000,000 1,500,000 2,000,000 2,500,000 2020 2021 2022 2023 2024 2025 YTD T ho u sa nd s Annual Average Loans and Yield on Loans Average Loans Yield on Loan
Slide 18: Loan Composition
Loan Composition 18 Commercial & Industrial, 6% Agriculture Production & Land, 7% Owner Occupied Real Estate, 14% Construction & other land loans, 3% Non-Owner Occupied Commerical Real Estate, 40% Multi-family residential, 6% 1-4 family, 6% Manufactured housing, 13% Other consumer, 4% As of Septembe
Slide 19: Strong Credit Quality
Strong Credit Quality 19 1.14 1.14 1.11 1.08 1.11 1.11 1.20 1.21 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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 P e rc e nt T ho us a nd s Non-Performing Assets & Allowance for Loa
Slide 20: Low Levels of Criticized and Classified Assets
Low Levels of Criticized and Classified Assets 20 9,000 5,595 25,576 28,799 17,384 17,209 19,706 24,926 0.70 0.43 1.13 1.25 0.74 0.73 0.82 1.02 - 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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 P e rc e
Slide 21: Deposits Overview
Deposits Overview
Slide 22: Deposits
Deposits 22 2,883,868 2,934,951 2,904,868 2,906,477 2,962,832 3,070,299 1.70 1.70 1.50 1.43 1.42 1.41 1.20 1.30 1.40 1.50 1.60 1.70 1.80 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 2,600,000 2,700,000 2,800,000 2,900,000 3,000,000 3,100,000 Quarterly Average Total Deposits and Cost of Deposits A
Slide 23: Deposits
Deposits 23 Non-Interest Bearing 36% Now/Savings 20% Money Market 28% TCDs 16% As of September 30, 2025 Total Deposits = $3.1 Billion
Slide 24: Bancshares
Bancshares
Community West Bancshares — KBW Virtual West Coast Bank Field Trip (November 2025) on 6ix