Community West Bancshares (CWBC) investor relations material

Executive summary

• Q3 2026 net income was $8.07 million, or $0.30 diluted EPS, versus $2.70 million and $0.10 in Q2; YoY results were lower than $10.87 million and $0.57 EPS.

• Organic loan and core deposit growth, lower deposit costs, and a stronger liquidity position supported the quarter; merger and legal-settlement expenses weighed on reported earnings.

Financial highlights

• Q3 net interest income before credit-loss provision rose 52.66% YoY to $53.34 million; net income was $8.07 million versus $10.87 million YoY.

• 9M net income was $22.25 million, or $0.91 diluted EPS, versus $27.00 million and $1.42 in 9M 2025; net interest income rose 39.66% to $140.26 million.

• Q3 provision for credit losses was $578,000, down from $5.64 million in Q2; total non-interest expense was $46.17 million, including $7.17 million merger costs and a $6.62 million legal settlement.

• Adjusted for non-core items, Q3 net income was $17.79 million and diluted EPS was $0.66; adjusted efficiency ratio was 55.80%, versus 79.57% GAAP.

Outlook and guidance

• Management expects to move beyond merger-related expenses and enter a more normalized Q4, while focusing on disciplined balance-sheet management and converting earnings capacity into long-term performance.

• Management cited continued focus on serving communities and delivering long-term shareholder value following integration of the acquired operations.