West Coast Community Bancorp · NASDAQ:WCCB
West Coast Community Bancorp — Investor Presentation (September 2026)
32 slides from West Coast Community Bancorp's investor presentation, September 2026
Slide 1: Investor Presentation
Investor Presentation September 2026 West Coast Community Bancorp Q2 2026 Investor Presentation | 1
Slide 2: Disclaimer
Disclaimer This investor presentation has been prepared by West Coast Community Bancorp (traded as “WCCB" on the Nasdaq Stock Market LLC, the "Company"), and its wholly owned subsidiary, West Coast Community Bank (formerly known as Santa Cruz County Bank) (the “Bank”), solely for informational purpo
Slide 3: About West Coast Community Bank
About West Coast Community Bank 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, Santa Clar
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 County # of Deposit Market Population** Median Household Branches Share* Income*** Santa Cruz County 5 16.27% 271K $108K Monterey County 3 6.97% 439K $93K San Luis Obispo County 1 0.49% 282K $101K Santa Clara County 1 0.09% 1.9MM $168K *Per FDIC data as of June 30, 2025 **Per 2020
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) Total Assets Gross Loans (Excl. Purchase Discounts)* 13.0% CAGR = 17.5% $2,884 $2,895 $2,945 CAGR = $2,680 $2,237 $2,287 $2,076 $2,193 $994 $1,701 $1,744 $1,794 $1,411 $639 $1,265 $1,109 2021YE 2022YE 2023YE 2024YE 2025YE 2026Q1 2026Q2 2021YE 2022YE 20
Slide 9: Strong Profitability
Strong Profitability ($ in millions) 2.50% Net Income 2.08% 2.12% 1.97% 1.96% 1.87% 1.87% 2.00% 1.78% 1.95% 1.73% 1.88% 1.69% $14.1 $14.4 1.50% $13.0 $13.4 1.00% $15.0 $13.8 $12.9 $12.1 $12.2 $11.7 $8.2 0.57% 0.50% $3.8 0.00% 2024Q3 2024Q4 2025Q1 2025Q2 2025Q3 2025Q4 2026Q1 2026Q2 Net Income Adjuste
Slide 10: High Margin Drives Profitability
High Margin Drives Profitability ($ in millions, except per share data) Net Interest Income/ Taxable Equivalent Net Interest Margin* 5.38% 5.29% 5.30% 5.28% 4.99% 5.11% 4.93% 4.92% $34.1 $32.3 $32.8 $34.6 $34.4 $34.1 $33.1 $20.5 2024Q3 2024Q4 2025Q1 2025Q2 2025Q3 2025Q4 2026Q1 2026Q2 Net Interest In
Slide 11: Attractive Deposit Mix
Attractive Deposit Mix As of June 30, 2026 The 10 largest deposit relationships, excluding fully collateralized government agency deposits, represent approximately 13.2% of total deposits. Money market 39% Growth opportunities include: Savings 7% ▪ Expanded Central Coast presence ▪ Silicon Valley/Ba
Slide 12: Disciplined Credit Culture
Disciplined Credit Culture ($ in thousands) 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 — — 6,52
Slide 13: Loans By Type
Loans By Type ($ in millions, except as noted) SBA 7a, B&I and FSA $169 7% Consumer and Other $45 2% Commercial Commercial && $2.271 Billion in Total Outstanding Industrial Industrial Commercial Real $366 $395 Loans as of June 30, 2026 Estate Commercial $1,414Real 17% 17% Estate 62% Q2 2026 tax equi
Slide 14: Real Estate Loan Detail
Real Estate Loan Detail ($ in millions, except as noted) $1.414 Billion in Total Commercial Real Estate Loans as of June 30, 2026* 1-4 SFR $47 Farmland Bay Area** 3% $60 $52 4% 4% Retail Retail $207 $157 15% 12% HotelHotel Santa Cruz $238$252 Santa Cruz Monterey Monterey Other CRE, OO County 18% 18%
Slide 15: Organic Loan Growth and Pricing
Organic Loan Growth and Pricing ($ in millions) $200 10.00% $150 8.56% 8.13% 8.24% $100 7.49% 8.00% 7.14% 6.96% $50 6.77% 6.63% 6.69% 6.73% 6.70% 6.67% 6.67% 6.55% 6.00% $— $(50) 4.00% $(100) $(150) 2.00% Q4-2024 Q1-2025 Q2-2025 Q3-2025 Q4-2025 Q1-2026 Q2-2026 Originations & Advances Paydowns Payoff
Slide 16: Fixed Vs. Variable Rate Loans and Repricing Timeline
Fixed Vs. Variable Rate Loans and Repricing Timeline ($ in millions) Interest Rate Structure as of June 30, 2026 At Floor (1) Floating/Instant (2) Fixed Rate (3) Adjustable Rate $389 17% < 1 year $77 1-3 years $86 $741 32% $407 18% 3-5 years $236 5-15 years $8 $— $50 $100 $150 $200 $250 $748 CRE Oth
Slide 17: Fixed Vs. Variable Rate Loans and Loan Floor Rates
Fixed Vs. Variable Rate Loans and Loan Floor Rates ($ in millions) Interest Rate Structure as of June 30, 2026 At Floor Floating/Instant Fixed Rate Adjustable Rate $407 18% 3% - 4% $71 4.01% - 4.5% $61 $389 17% 4.51% - 5% $68 $748 33% 5.01% - 6% $49 6.01% - 7% $332 7%+ $168 $741 32% $— $50 $100 $150
Slide 18: Changes in Allowance for Credit Losses on Loans in Q2 2026
Changes in Allowance for Credit Losses on Loans ("ACL") in Q2 2026 ($ in thousands) $36,500 $36,000 $35,500 $85 $35,119 $424 $35,000 $34,677 $877 $34,500 $34,000 $(944) $33,500 $33,000 3/31/2026 ACL Net Charge offs and Increase in Loan Change in Other 6/30/2026 ACL 1.56% of Amortized Recoveries Volu
Slide 19: Investment Portfolio Composition
Investment Portfolio Composition Municipal Bond Ratings AAA 22% AA 64% A 6% As of June 30, 2026 NR* 8% ▪ Chart includes available-for-sale ("AFS") SBAbacked securities at market value and held-to- Effective Duration: 1.3 maturity ("HTM") securities at amortized Book yield: 3.69% cost. Securities is
Slide 20: Disciplined Expense Management
Disciplined Expense Management ($ in millions) 61.62% Noninterest Expense 45.76% 46.48% 45.16% 46.24% 43.05% 43.13% 44.12% 43.59% 43.08% 43.91% 44.95% $21.6 $15.5 $15.4 $15.5 $15.8 $16.0 $15.9 $9.9 2024Q3 2024Q4 2025Q1 2025Q2 2025Q3 2025Q4 2026Q1 2026Q2 Noninterest Expense Efficiency Ratio Adjusted
Slide 21: Robust Capital Position Even Post Merger & Post Stock Repurchase in 2025
Robust Capital Position Even Post Merger & Post Stock Repurchase in 2025 TCE Ratio* Tier 1 Ratio 13.62% 13.69% 13.72% 13.22% 11.47% 11.10% 11.49% 11.67% 12.24% 12.82% 13.08% 9.44% 9.90% 10.14% 2021YE 2022YE 2023YE 2024YE 2025YE 2026Q1 2026Q2 2021YE 2022YE 2023YE 2024YE 2025YE 2026Q1 2026Q2 Total Cap
Slide 22: Tangible Book Value Per Share Continues Upward Trend
Tangible Book Value Per Share Continues Upward Trend % = 13.0 CAGR $0.54 $0.52 $0.37 $1.18 $1.17 $1.91 $0.24 $30.98 $32.01 $29.85 $24.10 $25.09 $18.50 $20.04 2021YE 2022YE 2023YE 2024YE 2025YE 2026Q1 2026Q2 Tangible Book Value Per Share* AOCI Impact Tangible Book Value per Share* = (Shareholder’s Eq
Slide 23: Shareholder-Focused
Shareholder-Focused Superior Price Performance Quarterly Cash Dividend Paid $0.25 $0.24 180.0% $0.22 $0.23 160.0% $0.20 $0.21 140.0% $0.19 $0.18 $0.17 120.0% 100.0% 80.0% 60.0% 40.0% 20.0% —% (20.0)% Ap 23 Se -24 Fe 25 Fe 21 Au -23 Ja 24 Ju 26 Ju 22 No -23 Ap 25 26 Ap 21 Se -22 M 23 Au -25 Ju 1 Ja 2
Slide 24: Highlights
Highlights Capacity to Grow ▪ Consistent growth via organic Profitability expansion and strategic ▪ Profitability metrics are best mergers amongst peers ▪ Robust capital levels ▪ Disciplined expense management ▪ Attractive markets Featured Business Lines Clear Vision ▪ SBA lending expertise ▪ New pr
Slide 25: 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 26: 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 27: 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 28: Appendices
Appendices
Slide 29: Non-GAAP Reconciliation
Non-GAAP Reconciliation December 31, December 31, December 31, December 31, December 31, March 31, Dollars in thousands, except per share amounts 2021 2022 2023 2024 2025 2026 June 30, 2026 Total Shareholders' Equity $186,090 $197,676 $230,036 $332,981 $376,827 $388,234 $398,488 Less: Intangible Ass
Slide 30: Non-GAAP Reconciliation (continued)
Non-GAAP Reconciliation (continued) December 31, December 31, December 31, December 31, December 31, March 31, Dollars in thousands 2021 2022 2023 2024 2025 2026 June 30, 2026 Gross Loans (net of deferred fees and costs) $1,201,805 $1,267,739 $1,411,293 $2,045,215 $2,172,464 $2,219,275 $2,271,406 Le
Slide 31: 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 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 Subordinate
Slide 32: Non-GAAP Reconciliation (continued)
Non-GAAP Reconciliation (continued) Dollars in thousands Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Net Interest Income $ 20,517 $ 34,076 $ 32,345 $ 32,807 $ 34,634 $ 34,444 $ 34,082 $ 33,138 Add: Accelerated Accretion of Discount on Redeemed Subordinated Debt — — — 160 — 864 —
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