West Coast Community Bancorp · NASDAQ:WCCB
West Coast Community Bancorp — Q3 2026 Earnings Presentation
33 slides from West Coast Community Bancorp's earnings presentation, Oct 27, 2026
Slide 1: Q3 2026 Investor Presentation
West Coast Community Bancorp Q3 2026 Investor Presentation | 1 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 INSTRUCTIONS Footnote Formatting: *Font: HelveticaNeueLT Pro 45 LtCn *Italics *Font Size: 9 *Color is dark grey #494949 Investor Presentation October 2026
Slide 2: Forward-Looking Statements and Non-GAAP Measures
West Coast Community Bancorp October 2026 Investor Presentation | 2 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 This investor presentation has been prepared by West Coast Community Bancorp (traded as “WCCB" on the Nasdaq Stock Market LLC, the "Company"), and its wholly owned subsidiary, West Co
Slide 3: About West Coast Community Bank
West Coast Community Bancorp October 2026 Investor Presentation | 3 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 About West Coast Community Bank 220 full-time equivalent employees as of September 30, 2026 $2.98 billion in assets as of September 30, 2026 Community bank headquartered in California
Slide 4: Attractive Markets
West Coast Community Bancorp October 2026 Investor Presentation | 4 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Attractive Markets Monterey County County # of Branches* Deposit Market Share** Median Household Income****Population*** 5 16.33% 3 7.89% 1 0.63% 1 0.13% 271K 439K 282K 1.9MM $108K $9
Slide 5: Leadership Team
West Coast Community Bancorp October 2026 Investor Presentation | 5 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Leadership Team Krista Snelling Chairman & Chief Executive Officer Angelo DeBernardo, Jr. EVP Chief Lending Officer Jon P. Sisk EVP Chief Banking Officer Shawn Lipman EVP Chief Credit
Slide 6: Financial Highlights
R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Financial Highlights
Slide 7: Q3 2026 Consolidated Financial Results
West Coast Community Bancorp October 2026 Investor Presentation | 7 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Q3 2026 Consolidated Financial Results Balance Sheet Strength Consistent Profitability Strong Earnings Metrics Healthy Credit Quality $2.984 Billion Total Assets $37.1 Million Q3 Net
Slide 8: Consistent Balance Sheet Growth
West Coast Community Bancorp October 2026 Investor Presentation | 8 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Consistent Balance Sheet Growth ($ in millions) Total Assets Total Loans (Excl. Purchase Discounts)* Total Deposits Tangible Common Equity* *Also excludes Paycheck Protection Program
Slide 9: Strong Profitability
West Coast Community Bancorp October 2026 Investor Presentation | 9 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Strong Profitability ($ in millions) *See Non-GAAP Reconciliation for reconciliation to GAAP financial measures in the Appendices. **Reflects adjusted net income for the periods prese
Slide 10: Attractive Adjusted Return On Average Tangible Common Equity
West Coast Community Bancorp October 2026 Investor Presentation | 10 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Attractive Adjusted Return On Average Tangible Common Equity 14.63% 22.07% 18.34% 19.35% 17.05% 19.23% 19.75% 17.01% 19.13% 2024Q3 2024Q4 2025Q1 2025Q2 2025Q3 2025Q4 2026Q1 2026Q2 20
Slide 11: High Margin Drives Profitability
West Coast Community Bancorp October 2026 Investor Presentation | 11 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 *See Non-GAAP Reconciliation for reconciliation to GAAP financial measures in the Appendices. **Reflects adjusted diluted EPS for the periods presented High Margin Drives Profitabili
Slide 12: Attractive Deposit Mix
West Coast Community Bancorp October 2026 Investor Presentation | 12 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Attractive Deposit Mix As of September 30, 2026 The 10 largest deposit relationships, excluding fully collateralized government agency deposits, represent approximately 15.0% of tota
Slide 13: Disciplined Credit Culture
West Coast Community Bancorp October 2026 Investor Presentation | 13 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Disciplined Credit Culture ($ in thousands) Nonperforming Loans (net of Deferred Loan Fees and Costs) Nonperforming loans to total loans of 0.51%. The balance reflects: ▪ A $5.8 mill
Slide 14: Loans By Type
West Coast Community Bancorp October 2026 Investor Presentation | 14 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Loans By Type ($ in millions, except as noted) Commercial Real Estate $1,352 62% Commercial & Industrial $366 17% Construction $254 12% Guaranteed Portion of SBA, B&I and FSA; $116.4
Slide 15: Real Estate Loan Detail
West Coast Community Bancorp October 2026 Investor Presentation | 15 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Real Estate Loan Detail ($ in millions, except as noted) $1.420 Billion in Total Commercial Real Estate Loans as of September 30, 2026* **Alameda, San Francisco, San Mateo, Contra Co
Slide 16: Organic Loan Growth and Pricing
West Coast Community Bancorp October 2026 Investor Presentation | 16 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Organic Loan Growth and Pricing ($ in millions) Originations & advances, paydowns and payoffs gross of deferred expenses, fees and purchase discounts. Loan rates are weighted by loan
Slide 17: Fixed vs. Variable Rate Loans and Repricing Timeline
West Coast Community Bancorp October 2026 Investor Presentation | 17 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Fixed vs. Variable Rate Loans and Repricing Timeline ($ in millions) Figures gross of deferred expenses, fees and purchase discounts. (1) Of the loans at their floor rate, 75% will r
Slide 18: Fixed vs. Variable Rate Loans and Loan Floor Rates
West Coast Community Bancorp October 2026 Investor Presentation | 18 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Fixed vs. Variable Rate Loans and Loan Floor Rates ($ in millions) Interest Rate Structure as of September 30, 2026 $643 27% $850 36% $374 16% $481 21% At Floor Floating/Instant Fixe
Slide 19: Changes in Allowance for Credit Losses in Q3 2026
West Coast Community Bancorp October 2026 Investor Presentation | 19 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Changes in Allowance for Credit Losses on Loans ("ACL") in Q3 2026 ($ in thousands) Total Period End ACL Decrease in the ACL Increase in the ACL $35,119 $1,214 $(1,214) $1,535 $1,175
Slide 20: Investment Portfolio Composition
West Coast Community Bancorp October 2026 Investor Presentation | 20 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Investment Portfolio Composition As of September 30, 2026 ▪ Chart includes available-for-sale ("AFS") securities at market value and held-to- maturity ("HTM") securities at amortized
Slide 21: Disciplined Expense Management
West Coast Community Bancorp October 2026 Investor Presentation | 21 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 $9.9 $21.6 $15.5 $15.4 $15.5 $15.8 $16.0 $15.9 $16.3 45.76% 61.62% 45.16% 43.13% 44.12% 43.59% 46.24% 42.31%43.05% 46.48% 43.08% 43.91% Noninterest Expense Efficiency Ratio Adjusted
Slide 22: Robust Capital Position
West Coast Community Bancorp October 2026 Investor Presentation | 22 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Robust Capital Position Post 2024 Merger & Post Stock Repurchase in 2025 TCE Ratio* Tier 1 Ratio Total Capital Ratio Leverage Ratio 9.44% 9.90% 11.47% 10.14% 11.10% 11.49% 11.67% 11.
Slide 23: Tangible Book Value Per Share Continues Upward Trend
West Coast Community Bancorp October 2026 Investor Presentation | 23 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Tangible Book Value Per Share Continues Upward Trend Tangible Book Value per Share* = (Shareholders' Equity - Goodwill & Intangibles) / Outstanding Shares Adjusted for stock dividend
Slide 24: Shareholder-Focused
West Coast Community Bancorp October 2026 Investor Presentation | 24 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Shareholder-Focused Superior Price Performance Quarterly Cash Dividend Paid Relative Price Performance % through October 16, 2026. WCCB NASDAQ Bank Ja n 2 1 Ju n 2 1 Dec 21 May 22 No
Slide 25: Highlights
West Coast Community Bancorp October 2026 Investor Presentation | 25 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Highlights Featured Business Lines ▪ SBA lending expertise ▪ Focus on local commercial lending relationships ▪ Core low-cost deposit franchise Strong Balance Sheet ▪ Attractive loan
Slide 26: Community Reinvestment
West Coast Community Bancorp October 2026 Investor Presentation | 26 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Community Reinvestment More than 900 Hours of Community Service in Q3 2026 Through volunteerism and service on boards and committees, we reinvest our time and financials into the com
Slide 27: Rankings and Recognition | National
West Coast Community Bancorp October 2026 Investor Presentation | 27 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Rankings and Recognition | National NEWSWEEK MAGAZINE Named one of the 2026 Top 500 Regional Banks & Credit Unions in the U.S. TIME MAGAZINE AMERICA'S GROWTH LEADERS FOR 2026 Ranked
Slide 28: Rankings and Recognition | Regional
West Coast Community Bancorp October 2026 Investor Presentation | 28 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Rankings and Recognition | Regional SILICON VALLEY BUSINESS JOURNAL Ranked #43 in the Top Corporate Philanthropist in the Bay Area for 2025 giving. Ranked #34 in Silicon Valley's Fas
Slide 29: Appendices
R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Appendices
Slide 30: Non-GAAP Reconciliation
West Coast Community Bancorp October 2026 Investor Presentation | 30 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Non-GAAP Reconciliation Dollars in thousands, except per share amounts December 31, 2021 December 31, 2022 December 31, 2023 December 31, 2024 December 31, 2025 March 31, 2026 June 3
Slide 31: Non-GAAP Reconciliation (continued)
West Coast Community Bancorp October 2026 Investor Presentation | 31 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Non-GAAP Reconciliation (continued) Dollars in thousands, except per share amounts December 31, 2021 December 31, 2022 December 31, 2023 December 31, 2024 December 31, 2025 March 31,
Slide 32: Non-GAAP Reconciliation (continued)
West Coast Community Bancorp October 2026 Investor Presentation | 32 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Non-GAAP Reconciliation (continued) Dollars in thousands, except per share amounts Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Net income $ 8,199 $ 3,840
Slide 33: | Dollars in thousands Q3 2024 Q4 2024 Q1 2025 Q2 5 Q3 2025
West Coast Community Bancorp October 2026 Investor Presentation | 33 R:219 G:109 B:29 R:0 G:40 B:93 R:155 G:154 B:163 Dollars in thousands Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Net interest income $ 20,517 $ 34,076 $ 32,345 $ 32,807 $ 34,634 $ 34,444 $ 34,082 $ 33,1
West Coast Community Bancorp — Q3 2026 Earnings Presentation on 6ix