Community West Bancshares (NASDAQ: CWBC)

Community West Bancshares is a bank holding company registered under the Bank Holding Company Act of 1956, as amended. The Company was incorporated on February 7, 2000 as a California corporation, for the purpose of becoming the holding company for Community West Bank, a California state chartered bank. The Bank operates full-service Banking Centers in California from Greater Sacramento in the north, throughout the San Joaquin Valley and west to the Central Coast. The Bank also maintains Commercial, Real Estate and Agribusiness Lending, as well as Private Banking and Cash Management Departments. The Company does not currently conduct any operations other than through the Bank. At December 31, 2025, we had consolidated total assets of approximately $3,690,317,000.

The Company generates revenue primarily through interest income earned on its loan portfolio and fees associated with banking services. The Bank conducts a commercial banking business, which includes accepting demand, savings and time deposits and making commercial, real estate and consumer loans. It also provides domestic and international wire transfer services and other customary banking services. The Bank also offers Internet Banking that consists of inquiry, account status, bill paying, account transfers, and cash management. The Bank has a Real Estate Division, an Agribusiness Center, and an SBA Lending Division. At December 31, 2025, we had total loans, net of deferred fees of $2,540,570,000. Total commercial and industrial loans outstanding were $156,744,000, total agricultural land and production loans outstanding were $34,152,000, total real estate loans outstanding were $1,934,324,000, and total consumer loans outstanding were $415,350,000.

The company operates through the following segments:

• Commercial Banking Division. This segment encompasses the core banking activities of accepting deposits and making loans to commercial, industrial, and agricultural customers, including commercial and industrial loans, agricultural land and production loans, and real estate secured loans.

• Consumer Banking Division. This segment focuses on providing banking products and services to individual consumers, including consumer loans, deposit accounts, and electronic banking services such as Internet Banking for account management and bill payment.

• Private Banking and Cash Management Division. This segment delivers specialized financial services to high-net-worth individuals and businesses, including tailored lending solutions, investment advisory services, and cash management solutions designed to optimize liquidity and financial operations.

Community West Bancshares operates in a highly competitive banking environment in California, particularly within its primary service area spanning the Central Valley and Central Coast regions. The Company faces competition from large national and regional banks that possess greater capital resources, broader geographic reach, and the ability to offer services such as international banking and trust services, which Community West Bancshares does not provide directly. Despite this, the Company maintains a competitive position through localized relationship banking, personalized service, strong community ties, and a reputation for responsiveness and flexibility in serving small businesses, agricultural enterprises, and individual customers. Its market share of deposits in key counties such as Fresno, Madera, San Joaquin, and Tulare reached 4.41% in 2025, reflecting a meaningful presence in its core markets.

The Company attracts deposits from individual and commercial customers across its branch network in California. No single customer or group of related customers accounts for a material portion of its deposits such that the loss of any one or more would have a material adverse effect on the business. The Bank serves a diverse customer base including small and mid-sized businesses, agricultural operations, real estate developers, and retail consumers seeking traditional banking products and services.