Here are 1-2 brief analogies for Community West Bancshares (CWBC):

• JPMorgan Chase, but scaled down and focused exclusively on businesses and agriculture in California's Central Coast.
• A localized Bank of America, dedicated to serving businesses and professionals across California's Central Coast region.

• Lending Services: Offers various types of loans, including commercial real estate, commercial and industrial, construction, agricultural, and consumer loans, to businesses and individuals.
• Deposit Services: Provides a range of deposit accounts, such as checking, savings, money market, and certificates of deposit, for individuals and businesses to manage their funds.
• Treasury Management Services: Delivers services like cash management, payment processing, and fraud prevention to help businesses optimize their financial operations.
• Digital Banking Services: Facilitates convenient access to accounts and banking functions through online and mobile banking platforms.

Community West Bancshares (symbol: CWBC), through its subsidiary Community West Bank, serves a broad and diversified customer base primarily in California's Central Coast region. As is typical for financial institutions, specific "major customers" are not publicly disclosed due to client confidentiality and the highly diversified nature of banking relationships. Therefore, it's more appropriate to describe the categories of customers that the bank serves.

The major categories of customers for Community West Bancshares include:

• Commercial Businesses: This category encompasses a wide range of small to medium-sized businesses (SMBs) across various industries such as agriculture, professional services, manufacturing, and retail. These customers utilize commercial loans, lines of credit, deposit services, and treasury management solutions tailored for their operational needs.
• Commercial Real Estate Investors and Developers: Community West Bank provides financing to businesses and individuals involved in the acquisition, development, and management of commercial properties. This includes loans for multi-family residential, office, retail, and industrial properties within its service area.
• Individuals and Families: The bank serves local residents, offering a full suite of retail banking products and services. This includes personal checking and savings accounts, certificates of deposit, mortgages, home equity lines of credit, and various consumer loans to meet the personal financial needs of individuals and families.

James J. Kim, Chief Executive Officer & Director

Mr. Kim has served as Director and Chief Executive Officer of Community West Bancshares and the Bank since November 1, 2021. Previously, he was Executive Vice President and Chief Operating Officer of the Bank from February 2019 to November 2021. He joined the Bank in January 2018 as Executive Vice President and Chief Administrative Officer. With over 20 years of bank leadership experience, Mr. Kim previously held positions as controller, chief operations officer, chief financial officer, and chief executive officer for financial institutions in the Greater Sacramento Region. He began his career at an international accountancy and business advisory firm in Sacramento and holds a BS in Accountancy and an MBA from California State University, Sacramento.

Shannon R. Livingston, Executive Vice President & Chief Financial Officer

Ms. Livingston was appointed Executive Vice President and Chief Financial Officer of the Company and Bank in February 2023. As a CPA, she is responsible for the company's financial strategy, operations, and reporting, which includes accounting, budgeting, treasury, investor relations, and compliance with financial regulations.

Martin E. Plourd, President & Director

Mr. Plourd was appointed as a director for Community West Bancshares and the Bank, and President of the Company on April 1, 2024, following the acquisition of CWB, where he had served as a director since 2011. He has 44 years of experience in banking. His background includes working as a consultant on bank strategic planning, acquisitions, and compliance from July 2009 to 2011. From July 2005 to July 2009, he served as Chief Operating Officer, and then President and Director of Temecula Valley Bank. Prior to that, he spent 18 years with Rabobank/Valley Independent Bank. Mr. Plourd is a graduate of Stonier Graduate School of Banking and California State Polytechnic University.

Timothy Joseph Stronks, Executive Vice President & Chief Risk Officer

Mr. Stronks was named Executive Vice President and Chief Risk Officer of the Bank on April 1, 2024. Before this, he served as Executive Vice President, Chief Operating Officer and Chief Risk Officer of Community West Bank, N.A., which was acquired by the Bank on the same date. His previous experience includes roles as Senior Vice President, Deputy Director of Operations with Rabobank, and Executive Vice President for Pacific Premier Bank, as well as Executive Vice President and Chief Information Officer of Heritage Oaks Bank (which was acquired by Pacific Premier Bank in March 2017). He is a graduate of Pacific Coast Banking School and holds a Bachelor of Arts degree from the University of California at Santa Barbara, and an MBA from Western Governors University.

Jeffrey M. Martin, Executive Vice President & Chief Banking Officer

Mr. Martin was appointed Executive Vice President, Chief Banking Officer on April 1, 2024, having previously served as Executive Vice President, Market Executive from April 2022 until April 2024. In his current role, he is responsible for leading and developing the company's banking operations and strategies, overseeing client relationship management, business development, and the delivery of banking products and services.

The clear emerging threat for Community West Bancshares (CWBC) is the escalating competition and disruption from digital-first banks, neo-banks, and various financial technology (fintech) companies. These entities leverage advanced technology, data analytics, and often lower overhead to offer more convenient, personalized, and sometimes lower-cost banking services (e.g., online accounts, payment solutions, digital lending, wealth management tools). This trend threatens to erode CWBC's market share, particularly among younger demographics and tech-savvy customers, and pressure its net interest margins and profitability by increasing the need for significant technology investments to remain competitive and meet evolving customer expectations. The shift towards digital banking platforms fundamentally alters the traditional branch-centric model, forcing community banks to rapidly adapt or risk losing relevance.

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Community West Bancshares (CWBC) is anticipated to drive future revenue growth over the next two to three years through several key strategies, including market expansion, diversified loan portfolio growth, effective net interest margin management, deposit growth and cost optimization, and a continued focus on relationship-based community banking.

Here are 5 expected drivers of future revenue growth for Community West Bancshares:

1. Expanded Market Presence through Merger: The merger of Community West Bancshares with Central Valley Community Bancorp on April 1, 2024, significantly expanded the company's operating territory across Central California, reaching from Sacramento to Bakersfield and extending west to the Central Coast. This expanded footprint provides a larger customer base and new geographic markets to penetrate, leading to increased loan and deposit opportunities.

2. Diversified Loan Growth: The company has demonstrated consistent loan growth across its varied lending segments. For example, gross loans increased by $37.1 million (6.46% annualized) in the fourth quarter of 2024 and by $51.8 million (2.16%) in the third quarter of 2025. Community West Bank's focus on commercial lending, agribusiness, SBA loans, residential construction and mortgage, manufactured housing, and private banking indicates a broad approach to expanding its interest-earning asset base.

3. Net Interest Margin (NIM) Management: Improving and maintaining a healthy net interest margin is a crucial driver of bank revenue. CWBC has shown positive trends in this area, with its net interest margin increasing to 3.95% in the fourth quarter of 2024 from 3.69% in the prior quarter, and further to 4.20% in the third quarter of 2025. This improvement is linked to higher yields on interest-earning assets and effective management of funding costs.

4. Deposit Growth and Cost Optimization: Growth in deposits, coupled with a focus on managing their cost, directly contributes to a stronger funding base and improved net interest income. Total deposits for Community West Bancshares increased by $81.0 million (2.70%) in the third quarter of 2025 compared to the previous quarter, and by $165.2 million (5.67%) year-to-date. Concurrently, the total cost of deposits decreased from 1.69% in Q3 2024 to 1.39% in Q3 2025, enhancing profitability.

5. Relationship-Based Community Banking and Local Expansion: Community West Bancshares emphasizes its role as a "committed community bank partner" focused on building lasting relationships and supporting local economic vitality. This approach aims to attract and retain customers through tailored services and local decision-making. The opening of new banking centers, such as the full-service branch in Bakersfield in February 2025, further solidifies its local presence and capacity to serve the expanded Central California territory.

1. Share Repurchases

• Community West Bancshares authorized a share repurchase program for up to 3% of its outstanding common stock, representing approximately 573,915 shares as of July 16, 2025. This program commenced on July 22, 2025.
• The company repurchased common stock valued at $38,000 in 2024.

2. Share Issuance

• In 2024, as part of its merger with the former Community West Bancshares, the entity that became the current Community West Bancshares issued common stock worth $143,712,000.

3. Inbound Investments

• Fourthstone LLC acquired 1,867,778 shares of Community West Bancshares on September 30, 2024, for approximately $19.26 per share, totaling around $36 million. This increased Fourthstone LLC's stake to 9.87% of the company's outstanding shares.

4. Outbound Investments

• The company completed a significant all-stock merger, valued at approximately $143 million, with the former Community West Bancshares (effective April 1, 2024), to expand its market presence and diversify its loan portfolio across Central California.

5. Capital Expenditures

• In 2023, the company focused capital expenditures on expanding its branch network by opening new banking centers in Sacramento, Modesto, and Visalia, and establishing a presence in the Bakersfield market with plans for a permanent facility.
• Ongoing capital is being deployed to integrate the operations of the acquired Community West Bancshares to achieve synergies and enhance operational efficiency.