Community West Bancshares · NASDAQ:CWBC
Community West Bancshares — KBW Summer Bank Conference 2026
23 slides from Community West Bancshares's conference presentation, Jul 27, 2026
Slide 1: Investor Presentation KBW Summer Bank Conference
Investor Presentation KBW Summer Bank Conference July 28-29, 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. Martin Community West Bank Executiv
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 $729 Million Institutional Ownership 58% Insider Ownership 9% Total Assets $5.0 Billion Headquarters Fresno, CA # of Banking Centers 39 Year Established 1980 Strategic Footprint Central California As of June 30, 2026. . Overview
Slide 8: Financial Highlights
8 202420252026 Q2 YTD $3.52 Billion$3.69 Billion$5.0 BillionTotal Assets $7.67 Million$38.17 Million$14.2 MillionNet Income $0.45$2.00$0.61Diluted EPS 3.76%4.15%4.45%Net Interest Margin 0.24%1.07%0.66%ROAA 2.42%9.92%5.52%ROAE $0.48$0.48$0.24Cash Dividends per share 6.58%6.68%6.74%Total Loan Yield 1.
Slide 9: Overview
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Slide 10: Attractive Investment Opportunity
Attractive Investment Opportunity Based on stock price as of June 30, 2026 Source: NASDAQ Monthly Closing Price Data 10 10 YR CAGR = 6.10% Dividend Yield – 2.06% 0 5 10 15 20 25 30 6/1/2016 6/1/2017 6/1/2018 6/1/2019 6/1/2020 6/1/2021 6/1/2022 6/1/2023 6/1/2024 6/1/2025 6/1/2026 P ri ce CWBC Stock P
Slide 11: Quarterly Performance
3,385 6,895 8,293 7,832 10,873 11,170 11,489 2,695 0 2,000 4,000 6,000 8,000 10,000 12,000 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 T ho us a nd s Net Income Net Income Merger with USB as of 4/1/2026 Quarterly Performance 11
Slide 12: Annual Performance
28,401 26,645 25,536 7,666 38,168 14,184 0 5,000 10,000 15,000 20,000 25,000 30,000 35,000 40,000 2021 2022 2023 2024 2025 2026 YTD T ho us a nd s Net Income Net Income Merger with Community West as of 4/1/2024 11.50 14.25 13.81 2.42 9.92 5.52 - 2.00 4.00 6.00 8.00 10.00 12.00 14.00 16.00 2021 2022
Slide 13: Growing Earnings Power - Quarterly
30,214 32,024 32,182 33,304 34,944 35,749 36,003 50,912 3.69 3.95 4.04 4.10 4.20 4.24 4.30 4.56 3.51 3.72 3.79 3.85 3.92 3.97 4.05 4.12 2.50 3.00 3.50 4.00 4.50 0 10,000 20,000 30,000 40,000 50,000 60,000 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 T ho us a nd s Net Interest Inc
Slide 14: Growing Earnings Power - Annual
72,554 79,566 82,429 110,367 136,180 86,916 3.54 3.52 3.58 3.76 4.15 4.45 3.51 3.49 3.56 3.61 3.88 4.09 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*
Slide 15: Lending Overview
Lending Overview
Slide 16: Average Loans and Yield on Loans
Loans 16 2,278,313 2,302,768 2,327,832 2,364,456 2,410,272 2,475,184 2,530,812 3,480,401 6.53 6.61 6.69 6.71 6.65 6.66 6.72 6.76 6.20 6.40 6.60 6.80 7.00 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000 3,500,000 4,000,000 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 T ho us a nd
Slide 17: Loan Composition
Loan Composition 17 Commercial & Industrial, 7% Agriculture Production & Land, 7% Owner Occupied Real Estate, 15% Construction & other land loans, 6% Non-Owner Occupied Commerical Real Estate, 36% Multi-family residential, 7% 1-4 family, 10% Manufactured housing, 9% Other consumer, 4% As of June 30,
Slide 18: Credit Quality
Credit Quality 18 3,250 6,461 6,936 6,769 7,072 6,989 22,997 27,942 1.08 1.11 1.11 1.20 1.21 1.18 1.18 1.42 0.50 0.70 0.90 1.10 1.30 1.50 1.70 0 5,000 10,000 15,000 20,000 25,000 30,000 35,000 40,000 45,000 50,000 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 P e rc en t T h ou sa
Slide 19: Low Levels of Criticized and Classified Assets
Low Levels of Criticized and Classified Assets 19 28,799 17,384 17,209 19,706 24,926 54,155 49,500 55,617 1.25 0.74 0.73 0.82 1.02 2.13 1.94 1.57 - 1.00 2.00 3.00 4.00 5.00 6.00 - 20,000 40,000 60,000 80,000 100,000 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 P e rc en t T h ou s
Slide 20: Deposits Overview
Slide 21: Deposits
Deposits 21 2,906,477 2,962,832 3,070,299 3,114,530 3,148,164 4,184,435 1.43 1.43 1.39 1.39 1.40 1.31 1.20 1.25 1.30 1.35 1.40 1.45 1.50 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 2,000,000 2,500,000 3,000,000 3,500,000 4,000,000 4,500,000 P e rc e nt T ho us a nd s Quarterly Average Total Depo
Slide 22: Deposits
Deposits 22 Non-Interest Bearing 35% Now/Savings 24% Money Market 28% TCDs 13% As of June 30, 2026 Total Deposits = $4.1 Billion
Slide 23: Bancshares
Bancshares
Community West Bancshares — KBW Summer Bank Conference 2026 on 6ix