Community West Bancshares · NASDAQ:CWBC
Community West Bancshares — D.A. Davidson Financial Institutions Conference 2025
24 slides from Community West Bancshares's conference presentation, May 6, 2025
Slide 1: Investor Presentation: D.A. Davidson Financial Institutions Conference
Investor Presentation D.A. Davidson Financial Institutions Conference May 6-7, 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 Financ
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
Slide 4: Investing In Relationships
Slide 5: Executive Officers
Executive Officers din in sh James J. Kim Martin E. Plourd Shannon R. Livingston Dawn M. Cagle Chief Executive Officer, President, EVP, Chief Financial Officer, EVP, Chief Human Resource Officer, Community West Bancshares and Community West Bancshares Community West Bancshares ‘Community West Bank C
Slide 6: Company Overview & Financial Highlights
willl. | Company Overview & Financial Highlights
Slide 7: Overview
7 NASDAQ Symbol CWBC Market Capitalization $352.2 Million Institutional Ownership 49% Insider Ownership 12% Total Assets $3.5 Billion Headquarters Fresno, CA # of Banking Centers 26 Year Established 1980 Strategic Footprint Central California As of March 31, 2025 Overview
Slide 8: Financial Highlights
8 2025 YTD 2024 2023 Total Assets $3.55 Billion $3.52 Billion $2.43 Billion Net Income $8.29 Million $7.67 Million $25.54 Million Diluted EPS $0.44 $0.45 $2.17 Net Interest Margin 4.04% 3.76% 3.58% ROAA 0.94% 0.24% 1.04% ROAE 8.97% 2.42% 13.81% Cash Dividends per share $0.12 $0.48 $0.48 Total Loan Y
Slide 9: Overview
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Slide 10: Attractive Investment Opportunity
CAGR = 5.78% 10 As of March 31, 2025 Source: NASDAQ Monthly Closing Price Data Attractive Investment Opportunity Dividend Yield – 2.48% 0 5 10 15 20 25 30 1/1/2015 1/1/2016 1/1/2017 1/1/2018 1/1/2019 1/1/2020 1/1/2021 1/1/2022 1/1/2023 1/1/2024 1/1/2025 P ri ce CWBC Stock Price
Slide 11: Growing Franchise
11 Growing Franchise CAGR = 16.66% 1,832,987 2,267,615 2,439,394 2,460,358 3,190,361 3,528,337 0 500,000 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000 3,500,000 4,000,000 2020 2021 2022 2023 2024 Q1 2025 T h o u s an d s Average Total Assets
Slide 12: Strong Net Interest Income and NIM
12 Strong Net Interest Income and NIM 64,946 74,044 81,341 83,918 111,824 130,120 3.87 3.54 3.52 3.58 3.76 4.04 0.00 1.00 2.00 3.00 4.00 5.00 6.00 25,000 35,000 45,000 55,000 65,000 75,000 85,000 95,000 105,000 115,000 125,000 2020 2021 2022 2023 2024 Q1 2025 Annualized P e rc e n t T h o u s an d s
Slide 13: Solid Earnings
13 Solid Earnings 1.11 1.25 1.09 1.04 0.24 0.94 8.85 11.50 14.25 13.81 2.42 8.97 - 2.00 4.00 6.00 8.00 10.00 12.00 14.00 16.00 - 0.20 0.40 0.60 0.80 1.00 1.20 1.40 2020 2021 2022 2023 2024 2025 YTD R O A E P e rc e n t R O A A P er ce n t ROAA / ROAE ROAA ROAE Merger with Community West as of 4/1/20
Slide 14: Investment Portfolio
14 Investment Portfolio 710,092 1,109,208 648,825 597,196 477,113 469,033 305,107 302,442 301,359 301,160 2.61% 2.31% 2.51% 3.00% 2.90% 2.85% 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 0 200,000 400,000 600,000 800,000 1,000,000 1,200,000 2019 2021 2022 2023 2024 Q1 2025 T h o u s an d s AFS Se
Slide 15: Deposits Overview
Deposits Overview
Slide 16: Deposit Mix
16 Deposit Mix Non-Interest Bearing 35% Now/Savings 20% Money Market 30% TCDs 15% As of March 31, 2025 Total Deposits = $2.9 Billion
Slide 17: Average Deposits and Average Cost of Deposits
17 Average Deposits and Average Cost of Deposits CAGR = 15.62% 1,568,194 1,974,576 2,156,092 2,155,241 2,655,928 2,906,477 0.09 0.05 0.06 0.72 1.53 1.45 - 0.20 0.40 0.60 0.80 1.00 1.20 1.40 1.60 1.80 0 500,000 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000 3,500,000 2020 2021 2022 2023 2024 Q1 20
Slide 18: Lending Overview
Lending Overview
Slide 19: Well Diversified Loan Portfolio
19 Well Diversified Loan Portfolio Commercial & Industrial, 6% Agriculture Production & Land, 7% Owner Occupied Real Estate, 14% Construction & other land loans, 3% Non-Owner Occupied Commerical Real Estate, 39% Multi-family residential, 6% 1-4 family, 7% Manufactured housing, 14% Other consumer, 4%
Slide 20: Average Loan Totals & Yield
20 Average Loan Totals & Yield CAGR = 20.51% 1,053,450 1,067,316 1,133,641 1,263,226 1,978,386 2,327,832 4.94 5.07 4.93 5.53 6.58 6.69 3 3.5 4 4.5 5 5.5 6 6.5 7 0 500,000 1,000,000 1,500,000 2,000,000 2,500,000 2020 2021 2022 2023 2024 Q1 2025 P e rc en t T h o u sa n d s Average Gross Loans Average
Slide 21: Non-Performing Assets & Allowance for Loan Losses
21 Non-Performing Assets & Allowance for Loan Losses 3,278 946 0 0 6,461 6,936 1.17 0.92 0.86 1.14 1.11 1.11 0.30 0.40 0.50 0.60 0.70 0.80 0.90 1.00 1.10 1.20 1.30 0 2,000 4,000 6,000 8,000 10,000 12,000 14,000 16,000 18,000 20,000 2020 2021 2022 2023 2024 Q1 2025 P e rc e n t T h o u s an d s Non P
Slide 22: Special Mention Loans
22 Special Mention Loans 36,406 40,845 31,024 9,000 17,384 17,209 3.30 3.93 2.47 0.70 0.74 0.73 - 1.00 2.00 3.00 4.00 5.00 6.00 - 10,000 20,000 30,000 40,000 50,000 60,000 2020 2021 2022 2023 2024 Q1 2025 P e rc e n t T h o u s an d s Special Mention Loans SM Loans/Gross Loans
Slide 23: Substandard Loans
23 Substandard Loans 36,136 8,540 27,783 20,301 44,294 47,605 3.28 0.82 2.21 1.57 1.90 2.03 - 1.00 2.00 3.00 4.00 5.00 6.00 - 10,000 20,000 30,000 40,000 50,000 60,000 2020 2021 2022 2023 2024 Q1 2025 P e rc e n t T h o u s an d s Substandard Loans Sub Loans/Gross Loans
Slide 24: Community West Bancshares
Bancshares
Community West Bancshares — D.A. Davidson Financial Institutions Conference 2025 on 6ix