Community West Bancshares · NASDAQ:CWBC
Community West Bancshares — 28th Annual D.A. Davidson Financial Institutions Conference 2026
24 slides from Community West Bancshares's conference presentation, May 4, 2026
Slide 1: Investor Presentation – 28th Annual D.A. Davidson Financial Institutions Conference
Investor Presentation 28th Annual D.A. Davidson Financial Institutions Conference May 4-6, 2026 James J. Kim Community West Bancshares and Bank President & Chief Executive Officer Shannon R. Livingston Community West Bancshares and Bank Executive Vice President, Chief Financial Officer Jeff M. Marti
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
=~ Investing In Relationships a S|
Slide 5: Executive Officers
Executive Officers og James J. Kim Shannon R. Livingston Dawn M. Cagle Blaine C. Lauhon Chief Executive Officer & President, EVP, Chief Financial Officer, EVP, Chief Human Resource Officer, EVP, Chief Operating Officer, Community West Bancshares Community West Bancshares Community West Bank ‘Communi
Slide 6: Company Overview & Financial Highlights
Company Overview & Financial Highlights
Slide 7: Overview
7 NASDAQ Symbol CWBC Market Capitalization $644.9 Million Institutional Ownership 49% Insider Ownership 9% Total Assets* ~$5.0 Billion Headquarters Fresno, CA # of Banking Centers 39 Year Established 1980 Strategic Footprint Central California As of April 30, 2026. *Total assets estimated based on a
Slide 8: Financial Highlights
8 202420252026 Q1 YTD $3.52 Billion$3.69 Billion$3.7 BillionTotal Assets $7.67 Million$38.17 Million$11.5 MillionNet Income $0.45$2.00$0.60Diluted EPS 3.76%4.15%4.30%Net Interest Margin 0.24%1.07%1.24%ROAA 2.42%9.92%10.99%ROAE $0.48$0.48$0.12Cash Dividends per share 6.58%6.68%6.72%Total Loan Yield 1
Slide 9: Financial Highlights – First Quarter 2026
9 Financial Highlights – First Quarter 2026
Slide 10: Overview
lew wn 5) a i ent co Lid 8 _— U (eo) — W Overv
Slide 11: Attractive Investment Opportunity
Attractive Investment Opportunity Based on stock price as of March 31, 2026 Source: NASDAQ Monthly Closing Price Data 11 10 YR CAGR = 6.95% Dividend Yield – 2.06% 0 5 10 15 20 25 30 3/1/2016 3/1/2017 3/1/2018 3/1/2019 3/1/2020 3/1/2021 3/1/2022 3/1/2023 3/1/2024 3/1/2025 3/1/2026 P ri ce CWBC Stock
Slide 12: Quarterly Performance
(7.51) 3.84 7.55 8.97 8.30 11.25 11.03 10.99 (10.00) (5.00) - 5.00 10.00 15.00 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026R O A A P e rc e nt ROAE ROAE (0.73) 0.38 0.78 0.94 0.88 1.21 1.23 1.24 -1 -1 0 1 1 2 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026R O A A P
Slide 13: Annual Performance
28,401 26,645 25,536 7,666 38,168 11,489 0 10,000 20,000 30,000 40,000 2021 2022 2023 2024 2025 2026 YTD T ho us a nd s Net Income Net Income 1.25 1.09 1.04 0.24 1.07 1.24 - 0.20 0.40 0.60 0.80 1.00 1.20 1.40 2021 2022 2023 2024 2025 2026 YTD R O A A P er ce nt ROAA ROAA 11.50 14.25 13.81 2.42 9.92
Slide 14: Growing Earnings Power - Quarterly
29,057 30,214 32,024 32,182 33,304 34,944 35,749 36,003 3.65 3.69 3.95 4.04 4.10 4.20 4.24 4.30 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 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 T ho us a nd s Net Interest Income and N
Slide 15: Growing Earnings Power - Annual
72,554 79,566 82,429 110,367 136,180 36,003 3.54 3.52 3.58 3.76 4.15 4.30 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 2021 2022 2023 2024 2025 2026 YTD T ho us a nd s Net Interest Income and Net Interest Margin Net Interest Income Net Intere
Slide 16: Lending Overview
Lending Overview
Slide 17: Average Loans and Yield on Loans
Loans 17 2,226,858 2,278,313 2,302,768 2,327,832 2,364,456 2,410,272 2,475,184 2,530,812 6.54 6.53 6.61 6.69 6.71 6.65 6.66 6.72 6.20 6.40 6.60 6.80 7.00 2,000,000 2,100,000 2,200,000 2,300,000 2,400,000 2,500,000 2,600,000 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 T ho us a nd
Slide 18: Loan Composition
Loan Composition 18 Commercial & Industrial, 7% Agriculture Production & Land, 7% Owner Occupied Real Estate, 15% Construction & other land loans, 3% Non-Owner Occupied Commerical Real Estate, 38% Multi-family residential, 7% 1-4 family, 6% Manufactured housing, 13% Other consumer, 4% As of March 31
Slide 19: Credit Quality
Credit Quality 19 2,806 3,250 6,461 6,936 6,769 7,072 6,989 22,997 1.11 1.08 1.11 1.11 1.20 1.21 1.18 1.18 0.30 0.50 0.70 0.90 1.10 1.30 1.50 0 5,000 10,000 15,000 20,000 25,000 30,000 35,000 40,000 45,000 50,000 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 P e rc en t T h ou sa n
Slide 20: Low Levels of Criticized and Classified Assets
Low Levels of Criticized and Classified Assets 20 25,576 28,799 17,384 17,209 19,706 24,926 54,155 49,500 1.13 1.25 0.74 0.73 0.82 1.02 2.13 1.94 - 1.00 2.00 3.00 4.00 5.00 6.00 - 20,000 40,000 60,000 80,000 100,000 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 P e rc en t T h ou s
Slide 21: Deposits Overview
Slide 22: Deposits
Deposits 22 2,904,868 2,906,477 2,962,832 3,070,299 3,114,530 3,148,164 1.50 1.43 1.42 1.41 1.40 1.40 1.20 1.30 1.40 1.50 1.60 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 2,600,000 2,700,000 2,800,000 2,900,000 3,000,000 3,100,000 3,200,000 P e rc e nt T ho us a nd s Average Total Deposits and C
Slide 23: Deposits Composition
Deposits 23 Non-Interest Bearing 33% Now/Savings 21% Money Market 29% TCDs 17% As of March 31, 2026 Total Deposits = $3.1 Billion
Slide 24: Bancshares
Bancshares
Community West Bancshares — 28th Annual D.A. Davidson Financial Institutions Conference 2026 on 6ix