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Bank of Stockton

Stockton, CA · Cert 1536 · 1867 Western Financial Corp.

State charter, non-member · FDIC · 21 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

93

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

82

Q2 2024Q2 2026peer median (50)

Liquidity

6

Q2 2024Q2 2026peer median

Efficiency

85

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Stockton

Stockton, CA · Cert 1536 · 1867 Western Financial Corp.

State charter, non-member · FDIC · 21 branches

Q2 2026

$5.0BAssets
$2.5BLoans
$3.8BDeposits
$975.6MEquity
Loan mix
80%RE $1.9B10%C&I $0.2B9%Consumer $0.2BQ3 2024Q2 2026
Deposit mix
72%Interest-bearing $2.7B28%Noninterest $1.1BQ3 2024Q2 2026

Market Position · Stockton-Lodi, CA · 2026 SOD (annual) · 15.0% share · #3 of 15 inst. · $2.4B of $15.7B

15.0% San Joaquin
5.8% Stanislaus
3.0% Solano
19.0% Calaveras

Executive Summary

  • Earnings: ROA of 6.08%, up 352 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.08% of loans (-12 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 19.95%, up 193 bps from a year ago.
  • Funding: loans stand at 65.33% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

6.08%1+352 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+45 bps YoY

Efficiency Ratio (YTD, annualized)

47.56%-501 bps YoY

Tier 1 Leverage Ratio

19.95%+193 bps YoY

NIM

3.92%Q2 ’244.15%Q2 ’254.49%Q2 ’26+6%+15%

Non-interest income vs. expense

1.81%Q2 ’241.89%Q2 ’251.98%Q2 ’26+6%-2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.55%11.80%4.42%12.56%13.12%12.34%4.57%16.08%1+352 bps
Return on Equity16.09%11.17%25.15%14.50%17.44%13.01%24.72%32.23%+1,773 bps
Net Interest Margin2.92%2.88%2.98%3.04%3.06%3.09%3.41%3.49%+45 bps
Efficiency Ratio52.12%57.29%50.79%52.57%52.04%53.30%47.75%47.56%-501 bps
Non-Interest Burden1.23%1.39%1.21%1.31%1.30%1.36%1.29%1.28%-3 bps
Growth
Asset Growth (YoY)-0.98%-1.72%1.59%7.42%7.79%7.52%6.24%7.62%+20 bps
Loan Growth (YoY)7.74%7.08%7.31%4.21%1.38%4.11%4.15%4.09%-12 bps
Deposit Growth (YoY)-4.37%-3.26%-0.59%4.25%5.68%5.01%4.73%3.36%-89 bps
Asset Quality
Nonperforming Loans / Loans0.14%0.16%0.23%0.20%0.08%0.08%0.09%0.08%-12 bps
Net Charge-Offs / Loans0.00%0.00%0.03%0.03%0.05%0.04%0.10%0.05%+2 bps
Allowance / Loans3.30%3.28%3.30%3.25%3.25%3.23%3.22%3.19%-6 bps
Allowance Coverage of NPLs23.9x20.3x14.3x16.3x42.2x40.4x37.7x39.2x+22.9x
Capital
Tier 1 Leverage Ratio17.82%17.24%18.24%18.02%18.72%18.12%18.55%19.95%+193 bps
Total Risk-Based Capital18.43%18.63%19.19%19.17%19.57%19.35%19.27%20.07%+89 bps
Equity / Assets17.49%17.14%18.02%17.79%18.64%18.42%18.57%19.53%+174 bps
Liquidity & Funding
Loans / Deposits67.54%66.66%65.78%64.87%64.79%66.08%65.41%65.33%+46 bps
Liquid Assets / Assets2.03%3.24%3.32%4.42%3.32%2.75%3.66%5.04%+62 bps
CRE / Total Capitaln/an/an/an/a148.52%157.30%156.33%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it. 1 One-time gains made up most of net income in the marked periods. Year to date through Q2 2026, gains on securities were $157.0M before tax, about $114.6M after an assumed 27% tax, or 77% of net income. Excluding them, ROA would be much lower. Source: Call Report Schedule RI, items 6.a, 6.b and 8.b.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Stockton

Stockton, CA · Cert 1536 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · 1867 Western Financial Corp.

State charter, non-member · FDIC · 21 branches

Q2 2026

$5.0BAssets
$2.5BLoans
$3.8BDeposits
$975.6MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 99% of banks $1B-$10B in assets operating in a single state (rank 3 of 258).
  • Widest gap: net charge-offs / loans trails 64% of banks $1B-$10B in assets operating in a single state (rank 166 of 258).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

5.92%

Rank 3 of 258

Net Interest Margin

3.49%

Rank 129 of 258

Efficiency Ratio

47.56%

Rank 39 of 257

Equity / Assets

19.53%

Rank 7 of 258

Non-interest income vs. expense

$34.4M$96.6MINCOMEEXPENSE
Unfavorable gap of $62.2M · efficiency ratio beats 85% of banks $1B-$10B in assets operating in a single state
Bank 47.56%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets5.92%0.93%1.23%1.54%Beats 99%3 / 258
Return on Equity30.33%9.26%11.84%14.74%Beats 98%6 / 258
Net Interest Margin3.49%3.16%3.49%3.88%Beats 50%129 / 258
Efficiency Ratio47.56%51.71%60.30%69.65%Beats 85%39 / 257
Asset Quality
Nonperforming Loans / Loans0.08%0.19%0.46%0.90%Beats 90%27 / 258
Net Charge-Offs / Loans0.04%0.01%0.02%0.07%Beats 36%166 / 258
Capital
Tier 1 Capital Ratio18.81%11.41%12.98%15.12%Beats 91%23 / 258
Total Risk-Based Capital Ratio20.07%12.10%13.91%16.08%Beats 91%22 / 258
Equity / Assets19.53%9.09%10.24%11.72%Beats 97%7 / 258
Liquidity & Funding
Loans / Deposits65.33%73.24%86.34%95.95%12th pctl227 / 258
Loans / Assets49.67%63.01%72.27%78.40%6th pctl243 / 258
Brokered Deposits / Depositsn/aNot reported for this institution