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City National Bank

Los Angeles, CA · Cert 17281 · Royal Bank of Canada

National charter · OCC · 66 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

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 over $10B in assets (n=142 to 144). 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

64

Q2 2024Q2 2026peer median (50)

Asset Quality

58

Q2 2024Q2 2026peer median (50)

Profitability

25

Q2 2024Q2 2026peer median (50)

Liquidity

100

Q2 2024Q2 2026peer median

Efficiency

17

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

City National Bank

Los Angeles, CA · Cert 17281 · Royal Bank of Canada

National charter · OCC · 1 affiliate bank · 66 branches (67 in holding)

Q2 2026

$99.1BAssets
$69.1BLoans
$81.5BDeposits
$11.3BEquity
Loan mix
79%RE $42.2B20%C&I $10.9B0%Consumer $0.2BQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $57.1B30%Noninterest $24.4BQ2 2025Q2 2026

NIM

5.12%Q2 ’244.74%Q2 ’254.60%Q2 ’26-3%+0%

Non-interest income vs. expense

2.68%Q2 ’242.52%Q2 ’252.56%Q2 ’26-13%-1%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 8.0% share · #4 of 107 inst. · $53.1B of $667.8B

16.1% Los Angeles
1.0% New York
1.4% Orange
0.5% San Francisco

Executive Summary

  • Earnings: ROA of 0.97%, up 17 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.92% of loans (+42 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 10.08%, down 114 bps from a year ago.
  • Funding: loans stand at 84.83% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.97%+17 bps YoY

Net Interest Margin (YTD, annualized)

3.06%+1 bps YoY

Efficiency Ratio (YTD, annualized)

65.81%-16 bps YoY

Tier 1 Leverage Ratio

10.08%-114 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.90%0.95%0.74%0.97%+17 bps
Return on Equity6.43%7.27%7.63%6.10%8.15%+172 bps
Net Interest Margin3.05%3.05%2.99%3.01%3.06%+1 bps
Efficiency Ratio65.97%65.98%65.09%67.97%65.81%-16 bps
Non-Interest Burden1.75%1.77%1.70%1.83%1.74%-1 bps
Growth
Asset Growth (YoY)2.13%4.74%6.76%7.30%5.20%+307 bps
Loan Growth (YoY)2.29%5.91%9.43%8.91%6.32%+403 bps
Deposit Growth (YoY)1.77%4.58%2.50%5.99%4.82%+305 bps
Asset Quality
Nonperforming Loans / Loans0.50%0.46%0.61%0.77%0.92%+42 bps
Net Charge-Offs / Loans0.12%0.10%0.08%0.03%0.03%-8 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.22%11.33%11.14%10.37%10.08%-114 bps
Total Risk-Based Capital17.99%17.99%17.87%16.79%16.25%-174 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits83.63%82.77%87.70%85.74%84.83%+120 bps
Liquid Assets / Assets8.97%8.70%8.71%8.65%8.72%-25 bps
CRE / Total Capitaln/an/an/an/an/an/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.

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

City National Bank

Los Angeles, CA · Cert 17281 · Peer group: banks over $10B in assets (n=142-144) · Royal Bank of Canada

National charter · OCC · 1 affiliate bank · 66 branches (67 in holding)

Q2 2026

$99.1BAssets
$69.1BLoans
$81.5BDeposits
$11.3BEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 83% of banks over $10B in assets (rank 25 of 142).
  • Widest gap: efficiency ratio trails 83% of banks over $10B in assets (rank 120 of 144).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.97%

Rank 115 of 144

Net Interest Margin

3.06%

Rank 93 of 144

Efficiency Ratio

65.94%

Rank 120 of 144

Equity / Assets

11.38%

Rank 74 of 144

Non-interest income vs. expense

$0.8B$2.6BINCOMEEXPENSE
Unfavorable gap of $1.7B · efficiency ratio beats 17% of banks over $10B in assets
Bank 65.94%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.97%1.00%1.26%1.54%Beats 20%115 / 144
Return on Equity8.51%8.98%11.34%14.40%Beats 20%115 / 144
Net Interest Margin3.06%2.82%3.31%3.68%Beats 35%93 / 144
Efficiency Ratio65.94%49.42%56.02%62.41%Beats 17%120 / 144
Asset Quality
Nonperforming Loans / Loans0.92%0.48%0.73%1.07%Beats 32%98 / 142
Net Charge-Offs / Loans0.03%0.05%0.11%0.22%Beats 83%25 / 142
Capital
Tier 1 Capital Ratio14.57%12.07%12.98%14.92%Beats 69%44 / 144
Total Risk-Based Capital Ratio16.25%13.39%14.14%16.25%Beats 75%36 / 144
Equity / Assets11.38%9.69%11.39%12.96%Beats 49%74 / 144
Liquidity & Funding
Loans / Deposits84.83%75.72%84.92%91.56%49th pctl73 / 143
Loans / Assets69.77%59.83%69.07%74.80%53rd pctl68 / 144
Brokered Deposits / Depositsn/aNot reported for this institution