Community West Bancshares (CWBC) investor relations material

Executive summary

• Completed merger with United Security Bancshares on April 1, 2026, expanding reach in Central California; combined results to be reported in Q2 2026.

• Reported Q1 2026 net income of $11.5 million, or $0.60 per diluted share, up from $8.3 million and $0.44 per share in Q1 2025.

• Declared a $0.12 per share cash dividend payable May 22, 2026.

Financial highlights

• Net interest income before provision for credit losses rose 11.9% year-over-year to $36.0 million.

• Net interest margin increased to 4.30% from 4.04% in Q1 2025.

• Total assets grew to $3.70 billion, up 4.75% year-over-year; total deposits up 1.5% to $3.14 billion.

• Gross loans increased 0.40% to $2.55 billion; investment portfolio decreased 1.0% to $755.7 million.

• Nonperforming assets rose to $23.0 million from $7.0 million at year-end 2025.

Outlook and guidance

• Combined company post-merger will have approximately $5.0 billion in assets, with expanded Central California footprint and diversified commercial banking business.

• Management expects to leverage the merger to deliver expanded solutions and long-term value, with combined financials to be reported in Q2 2026.

• Anticipates operational efficiencies and revenue enhancement from the merger.