# EDGAR Filing Document

**Accession Number:** 0001127371
**File Stem:** 0001628280-25-035202
**Filing Date:** 2025-7
**Character Count:** 64515
**Document Hash:** ce0c2d31b5ef9fc569d10d450084cb0e
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001628280-25-035202.hdr.sgml**: 20250717

**ACCESSION NUMBER**: 0001628280-25-035202

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 14

**CONFORMED PERIOD OF REPORT**: 20250717

**ITEM INFORMATION**: Results of Operations and Financial Condition

**ITEM INFORMATION**: Other Events

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20250717

**DATE AS OF CHANGE**: 20250717

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Community West Bancshares
- **CENTRAL INDEX KEY:** 0001127371
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 770539125
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-31977
- **FILM NUMBER:** 251130664

**BUSINESS ADDRESS:**
- **STREET 1:** 7100 N. FINANCIAL DRIVE, #101
- **CITY:** FRESNO
- **STATE:** CA
- **ZIP:** 93720
- **BUSINESS PHONE:** 559-298-1775

**MAIL ADDRESS:**
- **STREET 1:** 7100 N. FINANCIAL DRIVE, #101
- **CITY:** FRESNO
- **STATE:** CA
- **ZIP:** 93720

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** CENTRAL VALLEY COMMUNITY BANCORP
- **DATE OF NAME CHANGE:** 20001117

?xml version='1.0' encoding='ASCII'? cvcy-20250717

---

| |
|:---|
| **UNITED STATES<br>SECURITIES AND EXCHANGE COMMISSION** |
| Washington, D.C. 20549 |
| **FORM 8-K** |
| **CURRENT REPORT** |
| **Pursuant to Section 13 or 15(d) of the<br>Securities Exchange Act of 1934** |

---

**Date of Report: July 17, 2025**

(Date of earliest event reported)

---

| | | |
|:---|:---|:---|
| **COMMUNITY WEST BANCSHARES** | **COMMUNITY WEST BANCSHARES** | **COMMUNITY WEST BANCSHARES** |
| (Exact name of registrant as specified in its charter) | (Exact name of registrant as specified in its charter) | (Exact name of registrant as specified in its charter) |
| CA<br>(State or other jurisdiction<br>of incorporation) | 000-31977<br>(Commission File Number) | 77-0539125<br>(IRS Employer<br>Identification Number) |
| 7100 N. Financial Dr., Ste. 101**,** Fresno**,** CA<br>(Address of principal executive offices) |  | 93720<br>(Zip Code) |
| 559-298-1775<br>(Registrant's telephone number, including area code) | 559-298-1775<br>(Registrant's telephone number, including area code) | 559-298-1775<br>(Registrant's telephone number, including area code) |

---

---

| | | |
|:---|:---|:---|
| Securities registered pursuant to Section 12(b) of the Act: | Securities registered pursuant to Section 12(b) of the Act: | Securities registered pursuant to Section 12(b) of the Act: |
| **Common Stock, no par value** | **CWBC** | **NASDAQ** |
| (Title of Each Class) | (Trading Symbol) | (Name of Each Exchange on which Registered) |
| **Not Applicable**<br>(Former Name or Former Address, if changed since last report) | **Not Applicable**<br>(Former Name or Former Address, if changed since last report) | **Not Applicable**<br>(Former Name or Former Address, if changed since last report) |

---

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

&nbsp;&nbsp;&nbsp;&nbsp;Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act □

------

**Item 2.02. Results of Operations and Financial Condition**

On July 17, 2025, Community West Bancshares issued a press release containing unaudited financial information and accompanying discussion for the quarter ended June 30, 2025. The press release is attached as Exhibit 99.1 to this Current Report on Form 8-K and incorporated herein by reference.

**Item 8.01. Other Events**

On July 16, 2025 the Board of Directors of Community West Bancshares declared a $0.12 per share cash dividend

payable on August 15, 2025 to shareholders of record as of August 1, 2025.

The Board of Directors of the Company approved the adoption of a share repurchase program for up to 3% of the Company's outstanding common stock, which represents approximately 573,915 shares based on the total number of outstanding common shares as of July 16, 2025. The share repurchase program will begin on July 22, 2025. The Company will repurchase shares in open-market transactions through brokers, subject to availability, or in privately negotiated transactions. All repurchases will be made at management's discretion, subject to market conditions and other factors, and in compliance with regulatory requirements.

**Item 9.01. Financial Statements and Exhibits**

**(d) Exhibits**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.1&nbsp;&nbsp;&nbsp;&nbsp;<u>[Press Release of Community West Bancshares dated July 17, 2025](cwbc6302025earningsrelease.htm)</u>

The information in this Form 8-K filed on July 17, 2025 shall not be deemed "filed" for purposes of Section 18 of the

Securities Exchange Act of 1934 or otherwise subject to the liabilities of that Section, nor shall it be deemed incorporated by

reference in any filing under the Securities Act of 1933 or the Securities Exchange Act of 1934, regardless of any general

incorporation language in such filing.

**SIGNATURE**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | |
|:---|:---|:---|
| Dated: | July 17, 2025 | **COMMUNITY WEST BANCSHARES**<br>By: <u>/s/ Shannon R. Livingston</u> <br>&nbsp;&nbsp;&nbsp;&nbsp; Shannon R. Livingston<br> *&nbsp;&nbsp;&nbsp;&nbsp;Executive Vice President and Chief Financial Officer (Principal*<br>*&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Accounting Officer)* |

---

## Exhibit 99.1

![cwbclogo.jpg](cwbclogo.jpg)

**FOR IMMEDIATE RELEASE**

**COMMUNITY WEST BANCSHARES REPORTS EARNINGS RESULTS** 

**FOR THE QUARTER ENDED JUNE 30, 2025,** 

**QUARTERLY DIVIDEND, AND SHARE REPURCHASE PROGRAM**

**FRESNO, CALIFORNIA...July 17, 2025...**The Board of Directors of Community West Bancshares ("Company") (NASDAQ: CWBC), the parent company of Community West Bank ("Bank"), reported today unaudited consolidated net income of $7,832,000, and diluted earnings per share of $0.41 for the three months ended June 30, 2025, compared to a net loss of $6,290,000 and $0.33 per diluted common share for the three months ended June 30, 2024. The Company declared a $0.12 per common share cash dividend, payable on August 15, 2025 to shareholders of record as of August 1, 2025.

The Board of Directors of the Company approved the adoption of a share repurchase program for up to 3% of the Company's outstanding common stock, which represents approximately 573,915 shares based on the total number of outstanding common shares as of July 16, 2025. The share repurchase program will begin on July 22, 2025. The Company will repurchase shares in open-market transactions through brokers, subject to availability, or in privately negotiated transactions. All repurchases will be made at management's discretion, subject to market conditions and other factors, and in compliance with regulatory requirements.

**FINANCIAL HIGHLIGHTS**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**•** Net income during the second quarter decreased to $7.8 million, or $0.41 per diluted common share, compared to net income of $8.3 million and $0.44, respectively, in the first quarter of 2025. The decrease in net income as compared to the trailing quarter was attributable to the increased provision for loan losses during the quarter.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• The Company recorded a provision for credit losses of $2.61 million during the quarter ended June 30, 2025, as compared to a credit to the provision for credit losses of $41,000 during the trailing quarter. The change is attributed to an increase in required reserves totaling $2.64 million on loans, an increase of $161,000 in reserves for unfunded commitments, partially offset by a credit to the provision for HTM securities of $188,000. The additional provision during the quarter was due to strong loan growth and deteriorating economic forecasts as compared to the prior quarter.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Gross loans increased by $52.5 million or 2.20% for the quarter ended June 30, 2025 compared to the quarter ended March 31, 2025 and increased $65.2 million or 2.80% year-to-date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Totals deposits increased by $66.0 million or 2.30% compared to the quarter ended March 31, 2025 and $84.1 million or 2.90% year-to-date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Total cost of deposits decreased to 1.43% for the quarter ended June 30, 2025 compared to 1.45% and 1.49% for the quarters ended March 31, 2025 and December 31, 2024, respectively.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Average non-interest bearing demand deposit accounts as a percentage of total average deposits totaled 34.48% and 34.30% for the quarters ended June 30, 2025 and March 31, 2025, respectively.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Net interest margin increased to 4.10% for the quarter ended June 30, 2025, from 4.04% and 3.95% for the quarters ended March 31, 2025 and December 31, 2024, respectively.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Capital positions remain strong at June 30, 2025 with a 9.48% Tier 1 Leverage Ratio; a 11.42% Common Equity Tier 1 Ratio; a 11.59% Tier 1 Risk-Based Capital Ratio; and a 13.89% Total Risk-Based Capital Ratio.

*- more -*

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*Community West Bancshares -- page 2*

Reflecting on the first half of 2025, James J. Kim, CEO of the Company, stated, "Midway through 2025, the economic environment and business climate remains uncertain. Key industries across our Central California territory feel the effects of persistent inflation, evolving federal policy including its impact on labor and ongoing trade tensions. Despite these headwinds, the Company remains well-positioned, supported by a strong deposit base, prudent credit management and robust levels of capital and liquidity."

"Our disciplined approach, combined with longstanding client relationships and a strong team culture focused on exceeding service expectations, continues to drive performance and stability – even amid the uncertainties in our environment."

"The second quarter 2025 results evidence the continued progress of our Company's 2024 merger, highlighting the strength of our expanded team, synergies on both the revenue and expense front, broader Central California footprint and well-capitalized balance sheet," said Shannon Livingston, Executive Vice President and Chief Financial Officer.

"We're proud of the Company's continued momentum, reflected in five consecutive quarters of increasing net interest margin. Importantly, the Company's cost of deposits declined compared to both the prior quarter and year-end 2024, underscoring the strength of our client relationships. Gross loans and total deposits increased during the second quarter and year-to-date. Overall, Company results reflect a positive trajectory and operational strength."

**<u>Results of Operations</u>**

---

| | | | |
|:---|:---|:---|:---|
| | **Three months ended** | **Three months ended** | **Three months ended** |
|<br>**(In thousands, except share and per-share amounts)** | **June 30,**<br>**2025** | **March 31,**<br>**2025** | **June 30,**<br>**2024** |
| Net interest income before provision (credit) for credit losses | $33304 | $32182 | $29057 |
| Provision (credit) for credit losses | 2613 | (41) | 9831 |
| Net interest income after provision (credit) for credit losses | 30691 | 32223 | 19226 |
| Total non-interest income | 2364 | 2611 | 1400 |
| Total non-interest expenses | 22296 | 23470 | 28503 |
| Income (loss) before provision for income taxes | 10759 | 11364 | (7877) |
| Provision (benefit) for income taxes | 2927 | 3071 | (1587) |
| Net income (loss) | $7832 | $8293 | $(6290) |

---

**<u>Statement Regarding use of Non-GAAP Financial Measures</u>**

In this press release, Community West Bancshares's financial results are presented in accordance with GAAP and refer to certain non-GAAP financial measures. Management believes that presentation of operating results using non-GAAP financial measures provides useful supplemental information to investors and facilitates the analysis of the Company's core operating results and comparison of operating results across reporting periods. Management also uses non-GAAP financial measures to establish budgets and manage the Company's business. A reconciliation of the GAAP financial measures to comparable non-GAAP financial measures is presented below.

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*Community West Bancshares -- page 3*

**<u>Reconciliation of GAAP and Non-GAAP Financial Measures</u>**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **Three months ended** | **Three months ended** | **Three months ended** | **For the Six Months Ended** | **For the Six Months Ended** |
|<br>**(Dollars in thousands)** | **June 30,**<br>**2025** | **March 31,**<br>**2025** | **June 30,**<br>**2024** | **June 30,**<br>**2025** | **June 30,**<br>**2024** |
| **PRE-TAX PRE-PROVISION RETURN ON AVERAGE ASSETS OR EQUITY** |  |  |  |  |  |
| Net income (loss) (GAAP) | $7832 | $8293 | $(6290) | $16125 | $(2614) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Exclude provision (benefit) for income taxes | 2927 | 3071 | (1587) | 5998 | (463) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Exclude provision (credit) for credit losses | 2613 | (41) | 9831 | 2572 | 10407 |
| Net income before income tax and provision expense (Non-GAAP) | $13372 | $11323 | $1954 | $24695 | $7330 |
| **RETURN ON AVERAGE ASSETS (Annualized)** |  |  |  |  |  |
| Average assets | $3553327 | $3528337 | $3468433 | $3540901 | $2944622 |
| &nbsp;&nbsp;&nbsp;Return on average assets (GAAP) | 0.88% | 0.94% | (0.73)% | 0.91% | (0.18)% |
| &nbsp;&nbsp;&nbsp;Pre-tax pre-provision return on average assets (Non-GAAP) | 1.51% | 1.28% | 0.23% | 1.39% | 0.50% |
| **RETURN ON AVERAGE EQUITY (Annualized)** |  |  |  |  |  |
| Average stockholders' equity | $377413 | $369903 | $334809 | $373735 | $271238 |
| &nbsp;&nbsp;&nbsp;Return on average equity (GAAP) | 8.30% | 8.97% | (7.39)% | 8.63% | (1.91)% |
| &nbsp;&nbsp;&nbsp;Pre-tax pre-provision return on average equity (Non-GAAP) | 14.17% | 12.24% | 2.33% | 13.22% | 5.40% |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** | **Three months ended** |
| | **June 30,** | **March 31,** | | **December 31,** | **September 30,** | **June 30,** |
| **(Dollars in thousands)** | **2025** | **2025** |  | **2024** | **2024** | **2024** |
| **TANGIBLE COMMON EQUITY** |  |  |  |  |  |  |
| Shareholders' equity (GAAP) | $380002 | $371937 |  | $362685 | $363515 | $350242 |
| &nbsp;&nbsp;&nbsp;Exclude goodwill | 96828 | 96828 |  | 96828 | 96379 | 96379 |
| &nbsp;&nbsp;&nbsp;Exclude other intangibles assets | 8767 | 9017 |  | 9268 | 9518 | 9769 |
| Tangible common equity (Non-GAAP) | $274407 | $266092 |  | $256589 | $257618 | $244094 |
| **TANGIBLE COMMON EQUITY PER SHARE** |  |  |  |  |  |  |
| Tangible shareholders' equity (Non-GAAP) | $274407 | $266092 |  | $256589 | $257618 | $244094 |
| Common shares outstanding at end of period | 19130508 | 19061009 |  | 18974674 | 18945988 | 18939531 |
| Common shareholders' equity (book value) per share (GAAP) | $19.86 | $19.53 | $19.19 | $19.11 | $19.19 | $18.49 |
| Tangible common shareholders' equity (tangible book value) per share (Non-GAAP) | $14.34 | $13.97 |  | $13.52 | $13.60 | $13.60 |

---

For the quarter ended June 30, 2025, the Company reported unaudited consolidated net income of $7,832,000 and diluted earnings per common share of $0.41, compared to consolidated net income of $8,293,000 and $0.44 per fully diluted share for the trailing quarter, and consolidated net loss of $6,290,000 and $0.33 per diluted share for the same period in 2024. The Company's earnings during the quarter benefited from an increase in net interest income before provision for credit losses and a decrease in non-interest expenses. However, this was offset by the current quarter's provision for credit losses on loans and a decrease in non-interest income.

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*Community West Bancshares -- page 4*

Annualized return on average equity (ROAE) for the quarter ended June 30, 2025 was 8.30%, compared to (7.39)% for the same period of 2024. Annualized return on average assets (ROAA) was 0.88% for the quarter ended June 30, 2025 compared to (0.73)% for the same period in 2024.

The effective yield on average investment securities, including interest earning deposits in other banks and Federal funds sold, was 2.95% for the quarter ended June 30, 2025, compared to 3.21% for the quarter ended June 30, 2024 and 3.02% for the quarter ended March 31, 2025.

Total average loans increased by $141,862,000 to $2,370,325,000 for the quarter ended June 30, 2025, from $2,228,463,000 for the quarter ended June 30, 2024 and increased by $36,328,000 from $2,333,997,000 for the quarter ended March 31, 2025. The year over year increase was due to organic loan growth throughout the Company's expanded footprint. The effective yield on average loans was 6.71% for the quarter ended June 30, 2025, compared to 6.54% and 6.69% for the quarters ended June 30, 2024 and March 31, 2025, respectively.

The Company's net interest margin (fully tax equivalent basis) was 4.10% for the quarter ended June 30, 2025, compared to 3.65% for the quarter ended June 30, 2024 and 4.04% for the quarter ended March 31, 2025. Net interest income, before provision for credit losses, increased by $4,247,000 or 14.62%, to $33,304,000 for the second quarter of 2025, compared to $29,057,000 for the same period in 2024. In addition to the increase in average loans due to the merger and organic loan growth, the Company's yield on interest earning assets has increased from 5.50% for the quarter ended June 30, 2024 to 5.65% for the quarter ended June 30, 2025. Additionally, the Company benefited from a decrease in the costs on interest-bearing liabilities, in which the cost of total deposits decreased to 1.43% from 1.71% when comparing the quarters ended June 30, 2025 and 2024. The decrease in the cost of deposits is primarily attributed to rate decreases in the money market and time deposit portfolios from both acquired deposits from the merger and the Company's existing base. Net interest income during the three months ended June 30, 2025 and 2024 and March 31, 2025 benefited by approximately 31 basis points ($2,588,000), one basis point ($41,000), and 24 basis points ($2,052,000), respectively, from the net accretion of fair value marks.

*Non-Interest Income - The following tables present the key components of non-interest income for the periods indicated:*

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **Three months ended** | **Three months ended** | | |
| | **June 30,** | **March 31,** | | |
|<br>**(Dollars in thousands)** | **2025** | **2025** |<br>**$ Change** |<br>**% Change** |
| Service charges | $505 | $502 | $3 | 0.6% |
| Interchange fees | 492 | 516 | (24) | (4.7)% |
| Appreciation in cash surrender value of bank owned life insurance | 372 | 366 | 6 | 1.6% |
| Federal Home Loan Bank dividends | 237 | 241 | (4) | (1.7)% |
| Loan placement fees | 180 | 237 | (57) | (24.1)% |
| Net realized losses on sales and calls of investment securities | (15) |  | (15) | —% |
| Other income | 593 | 749 | (156) | (20.8)% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total non-interest income | $2364 | $2611 | $(247) | (9.5)% |

---

The decrease in total non-interest income for the quarter ended June 30, 2025 as compared to the trailing quarter was primarily driven by a decrease in loan servicing income and fair value adjustments of equity securities.

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*Community West Bancshares -- page 5*

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| | | | | |
|:---|:---|:---|:---|:---|
| | **Six months ended June 30,** | **Six months ended June 30,** | | |
|<br>**(Dollars in thousands)** | **2025** | **2024** |<br>**$ Change** |<br>**% Change** |
| Service charges | $1007 | $864 | $143 | 16.6% |
| Interchange fees | 1008 | 1040 | (32) | (3.1)% |
| Appreciation in cash surrender value of bank owned life insurance | 738 | 622 | 116 | 18.6% |
| Federal Home Loan Bank dividends | 478 | 317 | 161 | 50.8% |
| Loan placement fees | 417 | 592 | (175) | (29.6)% |
| Net realized losses on sales and calls of investment securities | (15) | (2346) | 2331 | (99.4)% |
| Other income | 1342 | 1948 | (606) | (31.1)% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total non-interest income | $4975 | $3037 | $1938 | 63.8% |

---

Increases in non-interest income as compared to the prior year quarter are attributed to increased volume from the consummation of the merger as of April 1, 2024 and reduction in realized losses on sales and calls of investments securities. Realized losses on sales and calls of investment securities decreased to $15,000 for the six months ended June 30, 2025 compared to a loss of $2,346,000 for the six months ended June 30, 2024. The increase was partially offset by lower loan placement fees and other investment income year-to-date through June 30, 2025.

*Non-Interest Expense - The following table presents the key components of non-interest expense for the periods indicated:*

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| | | | | |
|:---|:---|:---|:---|:---|
| | **Three months ended** | **Three months ended** | | |
| | **June 30,** | **March 31,** | | |
|<br>**(Dollars in thousands)** | **2025** | **2025** |<br>**$ Change** |<br>**% Change** |
| &nbsp;&nbsp;&nbsp;Salaries and employee benefits | $12260 | $12959 | $(699) | (5.4)% |
| &nbsp;&nbsp;&nbsp;Occupancy and equipment | 2794 | 2827 | (33) | (1.2)% |
| &nbsp;&nbsp;&nbsp;Information technology | 1791 | 1902 | (111) | (5.8)% |
| &nbsp;&nbsp;&nbsp;Data processing expense | 855 | 800 | 55 | 6.9% |
| &nbsp;&nbsp;&nbsp;Professional services | 639 | 864 | (225) | (26.0)% |
| &nbsp;&nbsp;&nbsp;Regulatory assessments | 498 | 491 | 7 | 1.4% |
| &nbsp;&nbsp;&nbsp;ATM/Debit card expenses | 397 | 393 | 4 | 1.0% |
| &nbsp;&nbsp;&nbsp;Amortization of core deposit intangibles | 251 | 250 | 1 | 0.4% |
| &nbsp;&nbsp;&nbsp;Advertising | 241 | 261 | (20) | (7.7)% |
| &nbsp;&nbsp;&nbsp;Directors' expenses | 236 | 216 | 20 | 9.3% |
| &nbsp;&nbsp;&nbsp;Loan related expenses | 164 | 212 | (48) | (22.6)% |
| &nbsp;&nbsp;&nbsp;Personnel other | 97 | 101 | (4) | (4.0)% |
| &nbsp;&nbsp;&nbsp;Merger and acquisition expense |  | 276 | (276) | (100.0)% |
| &nbsp;&nbsp;&nbsp;Other expense | 2073 | 1918 | 155 | 8.1% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total non-interest expenses | $22296 | $23470 | $(1174) | (5.0)% |

---

During the second quarter of 2025, total non-interest expense decreased $1,174,000 as compared to the trailing quarter. The decrease was driven primarily by decreases in salary and employee benefits, professional services, and information technology. The decrease in salary and employee benefits was due to a reduction in payroll taxes. Professional services decreased due to lower legal fees and lower estimates for audit fees.

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*Community West Bancshares -- page 6*

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| | | | | |
|:---|:---|:---|:---|:---|
| | **Six months ended June 30,** | **Six months ended June 30,** | | |
|<br>**(Dollars in thousands)** | **2025** | **2024** |<br>**$ Change** |<br>**% Change** |
| &nbsp;&nbsp;&nbsp;Salaries and employee benefits | $25219 | $22090 | $3129 | 14.2% |
| &nbsp;&nbsp;&nbsp;Occupancy and equipment | 5621 | 3966 | 1655 | 41.7% |
| &nbsp;&nbsp;&nbsp;Information technology | 3693 | 2544 | 1149 | 45.2% |
| &nbsp;&nbsp;&nbsp;Data processing expense | 1655 | 1722 | (67) | (3.9)% |
| &nbsp;&nbsp;&nbsp;Professional services | 1503 | 1326 | 177 | 13.3% |
| &nbsp;&nbsp;&nbsp;Regulatory assessments | 989 | 954 | 35 | 3.7% |
| &nbsp;&nbsp;&nbsp;ATM/Debit card expenses | 790 | 632 | 158 | 25.0% |
| &nbsp;&nbsp;&nbsp;Advertising | 502 | 440 | 62 | 14.1% |
| &nbsp;&nbsp;&nbsp;Amortization of core deposit intangibles | 501 | 250 | 251 | 100.4% |
| &nbsp;&nbsp;&nbsp;Directors' expenses | 452 | 358 | 94 | 26.3% |
| &nbsp;&nbsp;&nbsp;Loan related expenses | 376 | 226 | 150 | 66.4% |
| &nbsp;&nbsp;&nbsp;Merger and acquisition expense | 278 | 5939 | (5661) | (95.3)% |
| &nbsp;&nbsp;&nbsp;Personnel other | 198 | 180 | 18 | 10.0% |
| &nbsp;&nbsp;&nbsp;Other expense | 3989 | 3209 | 780 | 24.3% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total non-interest expenses | $45766 | $43836 | $1930 | 4.4% |

---

Increases in non-interest expenses as compared to the prior year-to-date period was due to the consummation of the merger as of April 1, 2024, partially offset by a reduction in non-recurring merger expenses.

**<u>Balance Sheet Summary</u>**

Total assets for the period ended June 30, 2025 increased $55,040,000 or 1.6%, compared to the period ended December 31, 2024. Total average assets for the quarter ended June 30, 2025 were $3,553,327,000 compared to $3,468,433,000 for the quarter ended June 30, 2024 and $3,528,337,000 for the quarter ended March 31, 2025, an increase of $84,894,000 or 2.40% and an increase of $24,989,000 or 0.70%, respectively. As a result of the merger on April 1, 2024, the Company recorded goodwill of approximately $43 million and core deposit intangibles of $10 million.

For the quarter ended June 30, 2025, the Company's average gross investment securities decreased by $105,213,000, or 11.30%, compared to the quarter ended June 30, 2024, and decreased by $12,446,000, or 1.50%, compared to the quarter ended March 31, 2025. This decrease compared to the prior year was the result of sales and maturities of available for sale (AFS) securities.

In comparing the quarter ended June 30, 2025 to the quarters ended June 30, 2024 and March 31, 2025, total average gross loans increased $141,862,000 or 6.40%, and increased by $36,328,000 or 1.60%, respectively.

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*Community West Bancshares -- page 7*

*The following table shows the Company's outstanding loan portfolio composition as of June 30, 2025 and December 31, 2024:*

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **June 30, 2025** | **June 30, 2025** | **December 31, 2024** | **December 31, 2024** |
|<br>**Loan Type (dollars in thousands)** | **Amount** | **% of Total** | **Amount** | **% of Total** |
| **Commercial:** | | | | |
| &nbsp;&nbsp;&nbsp;Commercial and industrial | $159055 | 6.5% | $143422 | 6.1% |
| &nbsp;&nbsp;&nbsp;Agricultural production | 27597 | 1.2% | 37323 | 1.6% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total commercial | 186652 | 7.7% | 180745 | 7.7% |
| **Real estate:** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Construction & other land loans | 82983 | 3.5% | 67869 | 2.9% |
| &nbsp;&nbsp;&nbsp;Commercial real estate - owner occupied | 335612 | 14.0% | 323188 | 13.9% |
| &nbsp;&nbsp;&nbsp;Commercial real estate - non-owner occupied | 938865 | 39.0% | 913165 | 39.1% |
| &nbsp;&nbsp;&nbsp;Farmland | 136587 | 5.7% | 139815 | 6.0% |
| &nbsp;&nbsp;&nbsp;Multi-family residential | 143007 | 6.0% | 133595 | 5.7% |
| &nbsp;&nbsp;&nbsp;1-4 family - close-ended | 111491 | 4.6% | 123445 | 5.3% |
| &nbsp;&nbsp;&nbsp;1-4 family - revolving | 35454 | 1.5% | 35421 | 1.5% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total real estate | 1783999 | 74.3% | 1736498 | 74.4% |
| **Consumer:** |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Manufactured housing | 326463 | 13.6% | 322263 | 13.8% |
| &nbsp;&nbsp;&nbsp;Other installment | 100759 | 4.2% | 92839 | 4.0% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total consumer | 427222 | 17.8% | 415102 | 17.8% |
| Net deferred origination costs | 1514 | 0.1% | 1876 | 0.1% |
| Total gross loans | 2399387 | 100.0% | 2334221 | 100.0% |
| Allowance for credit losses | (28722) |  | (25803) |  |
| &nbsp;&nbsp;&nbsp;Total loans | $2370665 |  | $2308418 |  |

---

*The composition of deposits at June 30, 2025 and December 31, 2024 is summarized in the table below:*

---

| | | | | |
|:---|:---|:---|:---|:---|
| | **June 30, 2025** | **June 30, 2025** | **December 31, 2024** | **December 31, 2024** |
|<br>**(Dollars in thousands)** | **Amount** | **% of Total** | **Amount** | **% of Total** |
| NOW accounts | $451739 | 15.1% | $470548 | 16.2% |
| MMA accounts | 861088 | 28.8% | 843145 | 29.0% |
| Time deposits | 478835 | 16.0% | 443284 | 15.2% |
| Savings deposits | 167888 | 5.6% | 172976 | 5.9% |
| Total interest-bearing | 1959550 | 65.5% | 1929953 | 66.3% |
| Non-interest bearing | 1035371 | 34.5% | 980824 | 33.7% |
| Total deposits | $2994921 | 100.0% | $2910777 | 100.0% |

---

Total average deposits increased $78,964,000 or 2.70%, to $2,962,832,000 for the quarter ended June 30, 2025, compared to $2,883,868,000 for the quarter ended June 30, 2024, and increased $56,355,000, or 1.90%, compared to $2,906,477,000 for the quarter ended March 31, 2025. The Company's ratio of average non-interest bearing deposits to total deposits was 34.48% for the quarter ended June 30, 2025, compared to 37.36% and 34.30% for the quarters ended June 30, 2024 and March 31, 2025, respectively.

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*Community West Bancshares -- page 8*

The Company has significant liquidity, both on and off-balance sheet, to meet customer demand. During the year-to-date period, the Company's cash and cash equivalents increased $13,975,000 to $134,373,000 compared to $120,398,000 at December 31, 2024. The Company had $86,000,000 in short-term borrowings at June 30, 2025 compared to $133,442,000 at December 31, 2024.

*At June 30, 2025 and December 31, 2024, the Company had the following sources of primary and secondary liquidity:*

---

| | | |
|:---|:---|:---|
| **Liquidity Sources (in thousands)** | **June 30, 2025** | **December 31, 2024** |
| Cash and cash equivalents | $134373 | $120398 |
| Unpledged investment securities | 352438 | 403669 |
| Excess pledged securities | 89188 | 69866 |
| FHLB borrowing availability | 625413 | 576556 |
| Unsecured lines of credit availability | 110000 | 110000 |
| Funds available through FRB discount window | 3539 | 3828 |
| &nbsp;&nbsp;&nbsp;Total | $1314951 | $1284317 |

---

**<u>Credit Quality</u>**

During the second quarter of 2025, the Company recorded net recoveries of $13,000 compared to $41,000 in net charge-offs for the same period in 2024. The net charge-off ratio reflects annualized net recoveries to average loans of 0.00% for the quarter ended June 30, 2025, compared to annualized net charge-offs of 0.01% for the quarter ended June 30, 2024. During the quarter ended June 30, 2025, the Company recorded a provision of $2,640,000 for losses on loans, compared to a $9,502,000 provision for loan losses for the quarter ended June 30, 2024. In addition to the provision for credit losses on loans for the quarter ended June 30, 2025, the Company recorded a credit to the provision for credit losses on held-to-maturity securities of $188,000 as compared to a provision of $182,000 in the prior year quarter. The Company recorded a provision for unfunded loan commitments totaling $161,000 for the quarter ended June 30, 2025 compared to a provision of $147,000 in the prior year quarter.

*The following table shows the Company's loan portfolio, net of deferred costs, allocated by management's internal risk ratings:*

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Risk Rating (In thousands)** | **June 30, 2025** | **% of Total** | **March 31, 2025** | **% of Total** | **June 30, 2024** | **% of Total** |
| Pass | $2320608 | 96.8% | $2282083 | 97.2% | $2191348 | 97.1% |
| Special mention | 19706 | 0.8% | 17209 | 0.7% | 25576 | 1.1% |
| Substandard | 59073 | 2.5% | 47605 | 2.0% | 39647 | 1.9% |
| Doubtful |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;Total | $2399387 | 100.0% | $2346897 | 100.0% | $2256571 | 100.0% |

---

At June 30, 2025, the allowance for credit losses for loans was $28,722,000, compared to $25,803,000 at December 31, 2024, a net increase of $2,919,000 reflecting a provision for loan losses of $2,808,000 and net recoveries during the period. The allowance for credit losses as a percentage of total loans was 1.20% as of June 30, 2025 compared to 1.11% at December 31, 2024. The Company believes the allowance for credit losses is adequate to provide for expected credit losses within the loan portfolio at June 30, 2025.

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*Community West Bancshares -- page 9*

**<u>Cash Dividend Declared</u>**

On July 16, 2025, the Board of Directors of the Company declared a regular quarterly cash dividend of $0.12 per share on the Company's common stock. The dividend is payable on August 15, 2025 to shareholders of record as of August 1, 2025. The Company continues to be well capitalized and expects to maintain adequate capital levels.

**<u>Company Overview</u>**

Effective on April 1, 2024, Central Valley Community Bancorp completed its merger transaction with Community West Bancshares. Shortly thereafter Community West Bank, a wholly owned subsidiary of Community West Bancshares, merged with and into Central Valley Community Bank, a wholly-owned subsidiary of Central Valley Community Bancorp, with Central Valley Community Bank being the surviving banking institution. Effective with these mergers, the corporate names of Central Valley Community Bancorp and Central Valley Community Bank were changed to Community West Bancshares and Community West Bank, respectively.

Community West Bancshares ("Company") (NASDAQ: CWBC) and its wholly owned subsidiary, Community West Bank ("Bank"), are headquartered in Fresno, California. The Company was established in 1979 with the vision to help businesses and communities by exceeding expectations at every opportunity, and opened its first Banking Center on January 10, 1980. Today, the Bank operates full-service Banking Centers throughout Central California and maintains a variety of departments supporting Commercial Lending, Agribusiness, SBA, Residential Construction and Mortgage, Manufactured Housing, Private Banking and Cash Management.

Members of the Company and Bank Board of Directors are: Daniel J. Doyle (Chairman), Robert H. Bartlein (Vice Chairman), James J. Kim (CEO of the Company and President and CEO of the Bank), Martin E. Plourd (President of the Company), Suzanne M. Chadwick, Daniel N. Cunningham, Tom L. Dobyns, F.T. "Tommy" Elliott IV, Robert J. Flautt, James W. Lokey, Andriana D. Majarian, Steven D. McDonald, Dorothea D. Silva, William S. Smittcamp and Kirk B. Stovesand. Louis C. McMurray is Director Emeritus.

More information about Community West Bancshares and Community West Bank can be found at www.communitywestbank.com. Also, follow the Company on LinkedIn, X and Facebook.

###

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*Community West Bancshares -- page 10*

**Forward-looking Statements**- Certain matters set forth herein 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 expectations regarding future operating results. Forward-looking statements may include, but are not limited to, the use of forward-looking language, such as "likely result in," "expects," "anticipates," "estimates," "forecasts," "projects," "intends to," or may include other similar words or phrases, such as "believes," "plans," "trend," "objective," "continues," "remains," or similar expressions, or future or conditional verbs, such as "will," "would," "should," "could," "may," "might," "can," or similar verbs. These forward-looking statements are subject to risks and uncertainties that could cause actual results, performance or achievements to differ materially from those projected. These risks and uncertainties, some of which are beyond our control, include, but are not limited to: current and future business, economic and market conditions in the United States generally or in the communities we serve, including the effects of declines in property values and overall slowdowns in economic growth should these events occur; inflationary pressures and changes in the interest rate environment that reduce our margins and yields, the fair value of financial instruments or our level of loan originations, or increase the level of defaults, losses and prepayments on loans we have made and make, whether held in the portfolio or in the secondary market; effects of and changes in trade, monetary and fiscal policies and laws, including the interest rate policies of the Federal Open Market Committee of the Federal Reserve Board; geopolitical and domestic political developments that can increase levels of political and economic unpredictability, contribute to rising energy and commodity prices, and increase the volatility of financial markets; changes in the level of nonperforming assets and charge offs and other credit quality measures, and their impact on the adequacy of our allowance for credit losses and our provision for credit losses; factors that can impact the performance of our loan portfolio, including real estate values and liquidity in our primary market areas, the financial health of our commercial borrowers, and the success of construction projects that we finance; our ability to achieve loan growth and attract deposits in our market area, the impact of the cost of deposits and our ability to retain deposits; liquidity issues, including fluctuations in the fair value and liquidity of the securities we hold for sale and our ability to raise additional capital, if necessary; continued or increasing competition from other financial institutions, credit unions, and non-bank financial services companies; challenges arising from attempts to expand into new geographic markets, products, or services; restraints on the ability of Community West Bank to pay dividends to us, which could limit our liquidity; increased capital requirements imposed by banking regulators, which may require us to raise capital at a time when capital is not available on favorable terms or at all; inaccuracies in our assumptions about future events, which could result in material differences between our financial projections and actual financial performance; changes in our management personnel or our inability to retain, motivate and hire qualified management personnel; disruptions, security breaches, or other adverse events, failures or interruptions in, or attacks on, our information technology systems; disruptions, security breaches, or other adverse events affecting the third-party vendors who perform critical processing functions; an inability to keep pace with the rate of technological advances due to a lack of resources to invest in new technologies; natural disasters, such as earthquakes, wildfires, drought, pandemic diseases (such as the coronavirus) or extreme weather events, any of which may affect services we use or affect our customers, employees or third parties with which we conduct business; compliance with governmental and regulatory requirements, relating to banking, consumer protection, securities and tax matters; and our ability to the manage the foregoing.

The foregoing factors should not be construed as exhaustive and should be read together with the other cautionary statements included in this report. Because of these risks and other uncertainties, our actual future results, performance or achievement, or industry results, may be materially different from the results indicated by the forward looking statements in this report. In addition, our past results of operations are not necessarily indicative of our future results. You should not rely on any forward looking statements, which represent our beliefs, assumptions and estimates only as of the dates on which they were made, as predictions of future events. Any forward-looking statement speaks only as of the date on which it is made, and we do not undertake any obligation to update or review any forward-looking statement, whether as a result of new information, future developments or otherwise.

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*Community West Bancshares -- page 11*

**COMMUNITY WEST BANCSHARES**

**CONSOLIDATED BALANCE SHEETS**

**(Unaudited)**

---

| | | | |
|:---|:---|:---|:---|
|<br>**(In thousands, except share amounts)** | **June 30,**<br>**2025** | **December 31,**<br>**2024** | **June 30,**<br>**2024** |
| **ASSETS** |  |  |  |
| Cash and due from banks | $48158 | $28029 | $26437 |
| Interest-earning deposits in other banks | 86215 | 92369 | 83232 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total cash and cash equivalents | 134373 | 120398 | 109669 |
| Available-for-sale debt securities, at fair value, net of allowance for credit losses of $0, with an amortized cost of $523,678 and $536,334 at June 30, 2025 and December 31, 2024, respectively | 469354 | 477113 | 531972 |
| Held-to-maturity debt securities, at amortized cost less allowance for credit losses of $786 and $1,156 at June 30, 2025 and December 31, 2024, respectively | 291405 | 301359 | 301898 |
| Equity securities, at fair value | 6705 | 6586 | 6551 |
| Loans, less allowance for credit losses of $28,722 and $25,803 at June 30, 2025 and December 31, 2024, respectively | 2370665 | 2308418 | 2231631 |
| Bank premises and equipment, net | 23974 | 24469 | 21752 |
| Bank owned life insurance | 54057 | 53319 | 51166 |
| Federal Home Loan Bank stock | 10978 | 10978 | 10978 |
| Goodwill | 96828 | 96828 | 96379 |
| Core deposit intangibles | 8767 | 9268 | 9769 |
| Accrued interest receivable and other assets | 109705 | 113035 | 112906 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total assets | $3576811 | $3521771 | $3484671 |
| **LIABILITIES AND SHAREHOLDERS' EQUITY** |  |  |  |
| Deposits: |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Non-interest bearing | $1035371 | $980824 | $1075882 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest bearing | 1959550 | 1929953 | 1793418 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total deposits | 2994921 | 2910777 | 2869300 |
| Short-term borrowings | 86000 | 133442 | 150638 |
| Senior debt and subordinated debentures | 69962 | 69889 | 69817 |
| Accrued interest payable and other liabilities | 45926 | 44978 | 44674 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities | 3196809 | 3159086 | 3134429 |
| **Shareholders' equity:** |  |  |  |
| Preferred stock, no par value; 10,000,000 shares authorized, none issued and outstanding |  |  |  |
| Common stock, no par value; 80,000,000 shares authorized; issued and outstanding: 19,130,508 and 18,974,647 at June 30, 2025 and December 31, 2024, respectively | 209268 | 207816 | 206821 |
| Retained earnings | 221542 | 209984 | 204250 |
| Accumulated other comprehensive loss, net of tax | (50808) | (55115) | (60829) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total shareholders' equity | 380002 | 362685 | 350242 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total liabilities and shareholders' equity | $3576811 | $3521771 | $3484671 |

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*Community West Bancshares -- page 12*

**COMMUNITY WEST BANCSHARES**

**CONSOLIDATED STATEMENTS OF OPERATIONS**

**(Unaudited)&nbsp;&nbsp;&nbsp;&nbsp;**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | **For the Three Months Ended** | **For the Three Months Ended** | **For the Three Months Ended** | **For the Six Months Ended** | **For the Six Months Ended** |
| | **June 30** | **March 31,** | **June 30,** | **June 30** | **June 30** |
|<br>**(In thousands, except share and per-share amounts)** | **2025** | **2025** | **2024** | **2025** | **2024** |
| INTEREST INCOME: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest and fees on loans | $39537 | $38425 | $36197 | $77962 | $54497 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest on deposits in other banks | 1054 | 1056 | 1076 | 2110 | 1507 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest and dividends on investment securities: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Taxable | 4127 | 4350 | 5328 | 8477 | 10828 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Exempt from Federal income taxes | 1307 | 1307 | 1396 | 2614 | 2792 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest income | 46025 | 45138 | 43997 | 91163 | 69624 |
| INTEREST EXPENSE: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest on deposits | 10538 | 10388 | 12266 | 20926 | 17285 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest on short-term borrowings | 1281 | 1673 | 1758 | 2954 | 2379 |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest on senior debt and subordinated debentures | 902 | 895 | 916 | 1797 | 1831 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest expense | 12721 | 12956 | 14940 | 25677 | 21495 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net interest income before provision (credit) for credit losses | 33304 | 32182 | 29057 | 65486 | 48129 |
| PROVISION (CREDIT) FOR CREDIT LOSSES | 2613 | (41) | 9831 | 2572 | 10407 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net interest income after provision (credit) for credit losses | 30691 | 32223 | 19226 | 62914 | 37722 |
| NON-INTEREST INCOME: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Service charges | 505 | 502 | 480 | 1007 | 864 |
| &nbsp;&nbsp;&nbsp;&nbsp;Net realized losses on sales and calls of investment securities | (15) |  | (1974) | (15) | (2346) |
| &nbsp;&nbsp;&nbsp;&nbsp;Other income | 1874 | 2109 | 2894 | 3983 | 4519 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total non-interest income | 2364 | 2611 | 1400 | 4975 | 3037 |
| NON-INTEREST EXPENSES: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Salaries and employee benefits | 12260 | 12959 | 13451 | 25219 | 22090 |
| &nbsp;&nbsp;&nbsp;&nbsp;Occupancy and equipment | 2794 | 2827 | 2423 | 5621 | 3966 |
| &nbsp;&nbsp;&nbsp;&nbsp;Other expense | 7242 | 7684 | 12629 | 14926 | 17780 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total non-interest expenses | 22296 | 23470 | 28503 | 45766 | 43836 |
| Income (loss) before provision for income taxes | 10759 | 11364 | (7877) | 22123 | (3077) |
| PROVISION (BENEFIT) FOR INCOME TAXES | 2927 | 3071 | (1587) | 5998 | (463) |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net income (loss) | $7832 | $8293 | $(6290) | $16125 | $(2614) |
| Net income (loss) per common share: |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Basic earnings (loss) per common share | $0.41 | $0.44 | $(0.33) | $0.85 | $(0.17) |
| &nbsp;&nbsp;&nbsp;&nbsp;Weighted average common shares used in basic computation | 18987217 | 18933830 | 18814020 | 18960670 | 15282274 |
| &nbsp;&nbsp;&nbsp;&nbsp;Diluted earnings (loss) per common share | $0.41 | $0.44 | $(0.33) | $0.85 | $(0.17) |
| &nbsp;&nbsp;&nbsp;&nbsp;Weighted average common shares used in diluted computation | 19042750 | 19014773 | 18937036 | 19028425 | 15369528 |
| &nbsp;&nbsp;&nbsp;&nbsp;Cash dividends per common share | $0.12 | $0.12 | $0.12 | $0.24 | $0.24 |

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*Community West Bancshares -- page 13*

**COMMUNITY WEST BANCSHARES**

**CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS**

**(Unaudited)**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**For the three months ended** | **Jun. 30,**<br>**2025** | **Mar. 31,**<br>**2025** | **Dec. 31,**<br>**2024** | **Sept. 30,**<br>**2024** | **Jun. 30,**<br>**2024** |
| **(In thousands, except share and per share amounts)** |  |  |  |  |  |
| Net interest income | $33304 | $32182 | $32024 | $30214 | $29057 |
| Provision (credit) for credit losses | 2613 | (41) | 1224 | (518) | 9831 |
| Net interest income after provision (credit) for credit losses | 30691 | 32223 | 30800 | 30732 | 19226 |
| Total non-interest income | 2364 | 2611 | 2303 | 1105 | 1400 |
| Total non-interest expense | 22296 | 23470 | 23188 | 27677 | 28503 |
| Provision (benefit) for income taxes | 2927 | 3071 | 3020 | 775 | (1587) |
| Net income (loss) | $7832 | $8293 | $6895 | $3385 | $(6290) |
| Basic earnings (loss) per common share | $0.41 | $0.44 | $0.37 | $0.18 | $(0.33) |
| Weighted average common shares used in basic computation | 18987217 | 18933830 | 18860895 | 18843606 | 18814020 |
| Diluted earnings (loss) per common share | $0.41 | $0.44 | $0.36 | $0.18 | $(0.33) |
| Weighted average common shares used in diluted computation | 19042750 | 19014773 | 18981835 | 18965434 | 18937036 |

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*Community West Bancshares -- page 14*

**COMMUNITY WEST BANCSHARES**

**SELECTED RATIOS**

**(Unaudited)**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
|<br>**As of and for the three months ended** | **Jun. 30,**<br>**2025** | **Mar. 31,**<br>**2025** | **Dec. 31,**<br>**2024** | **Sept. 30,**<br>**2024** | **Jun. 30,**<br>**2024** |
| **(Dollars in thousands, except per share amounts)** |  |  |  |  |  |
| Allowance for credit losses to total loans | 1.20% | 1.11% | 1.11% | 1.08% | 1.11% |
| Non-performing assets to total assets | 0.19% | 0.20% | 0.18% | 0.09% | 0.08% |
| Total non-performing assets | $6769 | $6936 | $6461 | $3250 | $2805 |
| Total nonaccrual loans | $6769 | $6936 | $6461 | $3250 | $2805 |
| Total substandard loans | $59073 | $47605 | $44294 | $39637 | $39647 |
| Total special mention loans | $19706 | $17209 | $17384 | $28799 | $25576 |
| Net loan charge-offs (recoveries) | $(13) | $(125) | $59 | $(162) | $41 |
| Net charge-offs (recoveries) to average loans (annualized) | —% | (0.02)% | 0.01% | (0.03)% | 0.01% |
| Book value per share | $19.86 | $19.53 | $19.11 | $19.19 | $18.49 |
| Tangible book value per share (1) | $14.34 | $13.97 | $13.52 | $13.60 | $12.89 |
| Total equity | $380002 | $371937 | $362685 | $363515 | $350242 |
| Tangible common equity (1) | $274407 | $266092 | $256589 | $257618 | $244094 |
| Cost of total deposits | 1.43% | 1.45% | 1.49% | 1.69% | 1.71% |
| Interest and dividends on investment securities exempt from Federal income taxes | $1307 | $1307 | $1319 | $1372 | $1396 |
| Net interest margin (calculated on a fully tax equivalent basis) (2) | 4.10% | 4.04% | 3.95% | 3.69% | 3.65% |
| Return on average assets (3) | 0.88% | 0.94% | 0.78% | 0.38% | (0.73)% |
| Return on average equity (3) | 8.30% | 8.97% | 7.55% | 3.84% | (7.39)% |
| Loan to deposit ratio | 80.12% | 80.13% | 80.19% | 78.62% | 78.65% |
| Efficiency ratio | 62.51% | 67.38% | 67.55% | 88.37% | 93.58% |
| Tier 1 leverage - Bancorp | 9.48% | 9.36% | 9.17% | 9.38% | 9.14% |
| Tier 1 leverage - Bank | 11.25% | 11.12% | 10.94% | 11.24% | 11.03% |
| Common equity tier 1 - Bancorp | 11.42% | 11.39% | 11.15% | 11.12% | 11.36% |
| Common equity tier 1 - Bank | 13.76% | 13.75% | 13.54% | 13.55% | 13.94% |
| Tier 1 risk-based capital - Bancorp | 11.59% | 11.57% | 11.33% | 11.30% | 11.55% |
| Tier 1 risk-based capital - Bank | 13.76% | 13.75% | 13.54% | 13.55% | 13.94% |
| Total risk-based capital - Bancorp | 13.89% | 13.82% | 13.58% | 13.55% | 13.87% |
| Total risk based capital - Bank | 14.84% | 14.75% | 14.54% | 14.53% | 14.96% |

---

&nbsp;&nbsp;&nbsp;&nbsp;(1) Non-GAAP measure. See reconciliation of GAAP and Non-GAAP Financial Measures.

&nbsp;&nbsp;&nbsp;&nbsp;(2) Net Interest Margin is computed by dividing annualized quarterly net interest income by quarterly average interest-bearing assets.

&nbsp;&nbsp;&nbsp;&nbsp;(3) Computed by annualizing quarterly net income.

*- more -*

------

*Community West Bancshares -- page 15*

**COMMUNITY WEST BANCSHARES**

**SCHEDULE OF AVERAGE BALANCES AND AVERAGE YIELDS AND RATES**

**(Unaudited)**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | **For the Three Months Ended**<br>**June 30, 2025** | **For the Three Months Ended**<br>**June 30, 2025** | **For the Three Months Ended**<br>**June 30, 2025** | **For the Three Months Ended**<br>**March 31, 2025** | **For the Three Months Ended**<br>**March 31, 2025** | **For the Three Months Ended**<br>**March 31, 2025** | **For the Three Months Ended**<br>**June 30, 2024** | **For the Three Months Ended**<br>**June 30, 2024** | **For the Three Months Ended**<br>**June 30, 2024** |
|<br>**(Dollars in thousands)** | **Average<br>Balance** | **Interest<br>Income/<br>Expense** | **Average<br>Interest<br>Rate** | **Average<br>Balance** | **Interest<br>Income/<br>Expense** | **Average<br>Interest<br>Rate** | **Average<br>Balance** | **Interest<br>Income/<br>Expense** | **Average<br>Interest<br>Rate** |
| **ASSETS** | | | | | | | | | |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest-earning deposits in other banks | $96136 | $1054 | 4.39% | $93217 | $1056 | 4.53% | $84395 | $1076 | 5.10% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Securities |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Taxable securities | 590791 | 4127 | 2.79% | 602427 | 4350 | 2.89% | 681934 | 5328 | 3.13% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-taxable securities (1) | 239197 | 1654 | 2.77% | 240007 | 1655 | 2.76% | 253267 | 1767 | 2.79% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total investment securities | 829988 | 5781 | 2.79% | 842434 | 6005 | 2.85% | 935201 | 7095 | 3.03% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total securities and interest-earning deposits | 926124 | 6835 | 2.95% | 935651 | 7061 | 3.02% | 1019596 | 8171 | 3.21% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans (2) (3) | 2364456 | 39537 | 6.71% | 2327832 | 38425 | 6.69% | 2226858 | 36197 | 6.54% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total interest-earning assets** | 3290580 | $46372 | 5.65% | 3263483 | $45486 | 5.65% | 3246454 | $44368 | 5.50% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Allowance for credit losses | (26151) |  |  | (25858) |  |  | (26194) |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-accrual loans | 5869 |  |  | 6165 |  |  | 1605 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash and due from banks | 35607 |  |  | 35918 |  |  | 26624 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Bank premises and equipment | 23939 |  |  | 24326 |  |  | 21074 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other assets | 223483 |  |  | 224303 |  |  | 198870 |  |  |
| Total average assets | $3553327 |  |  | $3528337 |  |  | $3468433 |  |  |
| **LIABILITIES AND SHAREHOLDERS' EQUITY** |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing liabilities: |  |  |  |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Savings and NOW accounts | $601559 | $1034 | 0.69% | $586698 | $859 | 0.59% | $502333 | $239 | 0.19% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Money market accounts | 876609 | 5070 | 2.32% | 872896 | 5100 | 2.37% | 816224 | 5696 | 2.81% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Time certificates of deposit | 463151 | 4434 | 3.84% | 449962 | 4429 | 3.99% | 487779 | 6331 | 5.22% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing deposits | 1941319 | 10538 | 2.18% | 1909556 | 10388 | 2.21% | 1806336 | 12266 | 2.73% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other borrowed funds | 167636 | 2183 | 5.15% | 206162 | 2568 | 4.98% | 207108 | 2674 | 5.16% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total interest-bearing liabilities** | 2108955 | $12721 | 2.42% | 2115718 | $12956 | 2.48% | 2013444 | $14940 | 2.98% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-interest bearing demand deposits | 1021513 |  |  | 996921 |  |  | 1077532 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other liabilities | 45445 |  |  | 45795 |  |  | 42648 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shareholders' equity | 377413 |  |  | 369903 |  |  | 334809 |  |  |
| Total average liabilities and shareholders' equity | $3553326 |  |  | $3528337 |  |  | $3468433 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest income and rate earned on average earning assets |  | $46372 | 5.65% |  | $45486 | 5.65% |  | $44368 | 5.50% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest expense and interest cost related to average interest-bearing liabilities |  | 12721 | 2.42% |  | 12956 | 2.48% |  | 14940 | 2.98% |
| **Net interest income and net interest margin (4)** |  | $33651 | 4.10% |  | $32530 | 4.04% |  | $29428 | 3.65% |

---

(1)&nbsp;&nbsp;&nbsp;&nbsp;Calculated on a fully tax equivalent basis, which includes Federal tax benefits relating to income earned on municipal bonds totaling $347, $351, and $371 at June 30, 2025, March 31, 2025, and June 30, 2024, respectively.

(2)&nbsp;&nbsp;&nbsp;&nbsp;Loan interest income includes loan (costs) fees of $217, $(117), and $139 at June 30, 2025, March 31, 2025, and June 30, 2024, respectively.

(3)&nbsp;&nbsp;&nbsp;&nbsp;Average loans do not include non-accrual loans but do include interest income recovered from previously charged off loans.

(4)&nbsp;&nbsp;&nbsp;&nbsp;Net interest margin is computed by dividing net interest income by total average interest-earning assets.

------

*Community West Bancshares -- page 16*

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| | **For the Six Months Ended**<br>**June 30, 2025** | **For the Six Months Ended**<br>**June 30, 2025** | **For the Six Months Ended**<br>**June 30, 2025** | **For the Six Months Ended**<br>**June 30, 2024** | **For the Six Months Ended**<br>**June 30, 2024** | **For the Six Months Ended**<br>**June 30, 2024** |
|<br>**(Dollars in thousands)** | **Average<br>Balance** | **Interest<br>Income/<br>Expense** | **Average<br>Interest<br>Rate** | **Average<br>Balance** | **Interest<br>Income/<br>Expense** | **Average<br>Interest<br>Rate** |
| **ASSETS** | | | | | | |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest-earning deposits in other banks | $94684 | $2110 | 4.46% | $59297 | $1507 | 5.08% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Securities |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Taxable securities | 596577 | 8477 | 2.84% | 698046 | 10828 | 3.10% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-taxable securities (1) | 239600 | 3309 | 2.76% | 253688 | 3536 | 2.79% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total investment securities | 836177 | 11786 | 2.82% | 951734 | 14364 | 3.02% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total securities and interest-earning deposits | 930861 | 13896 | 2.99% | 1011031 | 15871 | 3.14% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans (2) (3) | 2346244 | 77962 | 6.70% | 1754964 | 54497 | 6.24% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total interest-earning assets** | 3277105 | $91858 | 5.65% | 2765995 | $70368 | 5.12% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Allowance for credit losses | (26005) |  |  | (20271) |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-accrual loans | 6017 |  |  | 802 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash and due from banks | 35762 |  |  | 26699 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Bank premises and equipment | 24131 |  |  | 17626 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other assets | 223891 |  |  | 153771 |  |  |
| Total average assets | $3540901 |  |  | $2944622 |  |  |
| **LIABILITIES AND SHAREHOLDERS' EQUITY** |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing liabilities: |  |  |  |  |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Savings and NOW accounts | $594170 | $1893 | 0.64% | $461872 | $466 | 0.20% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Money market accounts | 874763 | 10170 | 2.34% | 665566 | 8568 | 2.59% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Time certificates of deposit | 456593 | 8863 | 3.91% | 337777 | 8251 | 4.91% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest-bearing deposits | 1925526 | 20926 | 2.19% | 1465215 | 17285 | 2.37% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other borrowed funds | 186792 | 4751 | 5.09% | 164763 | 4210 | 5.11% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total interest-bearing liabilities** | 2112318 | $25677 | 2.45% | 1629978 | $21495 | 2.64% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-interest bearing demand deposits | 1009228 |  |  | 1004289 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other liabilities | 45619 |  |  | 39117 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shareholders' equity | 373735 |  |  | 271238 |  |  |
| Total average liabilities and shareholders' equity | $3540900 |  |  | $2944622 |  |  |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest income and rate earned on average earning assets |  | $91858 | 5.65% |  | $70368 | 5.12% |
| &nbsp;&nbsp;&nbsp;&nbsp;Interest expense and interest cost related to average interest-bearing liabilities |  | 25677 | 2.45% |  | 21495 | 2.64% |
| **Net interest income and net interest margin (4)** |  | $66181 | 4.07% |  | $48873 | 3.55% |

---

(1)&nbsp;&nbsp;&nbsp;&nbsp;Calculated on a fully tax equivalent basis, which includes Federal tax benefits relating to income earned on municipal bonds totaling $695 and $743 at June 30, 2025 and June 30, 2024, respectively.

(2)&nbsp;&nbsp;&nbsp;&nbsp;Loan interest income includes loan (costs) fees of $316 and $120 at June 30, 2025 and June 30, 2024, respectively.

(3)&nbsp;&nbsp;&nbsp;&nbsp;Average loans do not include non-accrual loans but do include interest income recovered from previously charged off loans.

(4)&nbsp;&nbsp;&nbsp;&nbsp;Net interest margin is computed by dividing net interest income by total average interest-earning assets.

**CONTACTS: Investor Contact:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Media Contact:**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shannon Livingston&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Debbie Nalchajian-Cohen

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Executive Vice President, Chief Financial Officer&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Public Relations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Community West Bancshares&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;559-222-1322

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;916-235-4617&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;

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