Community West Bancshares · NASDAQ:CWBC
Community West Bancshares — Raymond James U.S. Bank and Banking on Tech Conferences 2025
21 slides from Community West Bancshares's conference presentation, Sep 3, 2025
Slide 1: Investor Presentation – Raymond James U.S. Bank and Banking on Tech Conferences
Investor Presentation Raymond James U.S. Bank and Banking on Tech Conferences September 3-4, 2025 James J. Kim Community West Bancshares, Chief Executive Officer Community West Bank, President & Chief Executive Officer Martin E. Plourd Community West Bancshares, President Shannon R. Livingston Commu
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
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 $373.2 Million Institutional Ownership 49% Insider Ownership 12% Total Assets $3.6 Billion Headquarters Fresno, CA # of Banking Centers 26 Year Established 1980 Strategic Footprint Central California As of June 30, 2025 Overview
Slide 8: Financial Highlights
8 Q2 YTD 2025 2024 2023 Total Assets $3.58 Billion $3.52 Billion $2.43 Billion Net Income $16.13 Million $7.67 Million $25.54 Million Diluted EPS $0.85 $0.45 $2.17 Net Interest Margin 4.07% 3.76% 3.58% ROAA 0.91% 0.24% 1.04% ROAE 8.63% 2.42% 13.81% Cash Dividends per share $0.24 $0.48 $0.48 Total Lo
Slide 9: Financial Highlights – Second Quarter 2025
9 Financial Highlights – Second Quarter 2025
Slide 10: Overview
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Slide 11: Attractive Investment Opportunity
Attractive Investment Opportunity 0 5 10 15 20 25 30 9/1/2015 9/1/2016 9/1/2017 9/1/2018 9/1/2019 9/1/2020 9/1/2021 9/1/2022 9/1/2023 9/1/2024 9/1/2025 P ri ce CWBC Stock Price CAGR = 5.72% Dividend Yield – 2.25% Based on stock price as of August 31, 2025 Source: NASDAQ Monthly Closing Price Data 11
Slide 12: Net Income, ROAA and ROAE
6,390 5,894 3,676 -6,290 3,385 6,895 8,293 7,832 -8,000 -6,000 -4,000 -2,000 0 2,000 4,000 6,000 8,000 10,000 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 T ho us an ds Net Income Net Income Return on Avg Assets, Return on Avg Equity, Net Income 13.60 12.78 7.08 (7.51) 3.84 7.55 8
Slide 13: Growing Earnings Power
Growing Earnings Power 20,527 20,116 19,073 29,057 30,214 32,024 32,182 33,304 5,000 10,000 15,000 20,000 25,000 30,000 35,000 40,000 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 T ho u sa nd s Net Interest Income Net Interest Income Merger with Community West as of 4/1/2024 13
Slide 14: Improving Net Interest Margin
Improving Net Interest Margin 5.54 5.62 5.74 6.54 6.53 6.61 6.69 6.71 1.00 2.00 3.00 4.00 5.00 6.00 7.00 8.00 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 T ho us an ds Yield on Loans Loan Yield 0.91 0.88 0.98 1.70 1.70 1.50 1.43 1.42 0.00 0.20 0.40 0.60 0.80 1.00 1.20 1.40 1.60 1
Slide 15: Lending Overview
Lending Overview
Slide 16: Loans
Loans 1,266,296 1,268,322 1,283,068 2,226,858 2,278,313 2,302,768 2,327,832 2,364,456 0 500,000 1,000,000 1,500,000 2,000,000 2,500,000 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 T ho us an ds Average Total Loans Average Loans Commercial & Industrial, 7% Agriculture Production &
Slide 17: Strong Credit Quality
Strong Credit Quality 0 0 0 2,806 3,250 6,461 6,936 6,769 1.22 1.14 1.14 1.11 1.08 1.11 1.11 1.20 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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 P e rc e nt T ho us a nd s Non-Perf
Slide 18: Low Levels of Criticized and Classified Assets
Low Levels of Criticized and Classified Assets 24,740 20,301 18,968 39,647 39,637 44,294 47,605 59,073 1.94 1.57 .47 1.76 1.73 1.90 2.03 2.46 - 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 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 P er ce n t
Slide 19: Deposits Overview
Deposits Overview
Slide 20: Deposits
Deposits 2,211,084 2,115,042 2,055,141 2,883,868 2,934,951 2,904,868 2,906,477 2,962,832 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000 3,500,000 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 T ho us an ds Average Total Deposits Avg Deposits Non- Interest Bearing 34% Now/Savings
Slide 21: Community West Bancshares
Bancshares
Community West Bancshares — Raymond James U.S. Bank and Banking on Tech Conferences 2025 on 6ix