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Sunwest Bank

Sandy, UT · Cert 20164 · H Bcorp LLC

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area3

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 in the Los Angeles-Long Beach-Anaheim, CA area (n=17 to 19). 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

5

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

81

Q2 2024Q2 2026peer median (50)

Liquidity

17

Q2 2024Q2 2026peer median

Efficiency

5

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

Sunwest Bank

Sandy, UT · Cert 20164 · H Bcorp LLC

State charter, non-member · FDIC · 9 branches

Q2 2026

$4.4BAssets
$3.5BLoans
$3.4BDeposits
$412.0MEquity
Loan mix
71%RE $2.2B22%C&I $0.7B6%Consumer $0.2BQ2 2025Q2 2026
Deposit mix
57%Interest-bearing $1.9B43%Noninterest $1.5BQ2 2025Q2 2026

NIM

5.71%Q2 ’245.72%Q2 ’255.29%Q2 ’26+8%-9%

Non-interest income vs. expense

2.82%Q2 ’242.77%Q2 ’252.65%Q2 ’26-3%+2%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.4% share · #28 of 107 inst. · $2.6B of $667.8B

1.6% Orange
1.3% Ada
0.0% Salt Lake
0.1% Maricopa

Executive Summary

  • Earnings: ROA of 1.62%, down 4 bps year over year; NIM at 4.04%.
  • Asset quality: problem loans at 0.60% of loans (+30 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.71%, up 9 bps from a year ago.
  • Funding: loans stand at 103.69% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.62%-4 bps YoY

Net Interest Margin (YTD, annualized)

4.04%-42 bps YoY

Efficiency Ratio (YTD, annualized)

61.60%+498 bps YoY

Tier 1 Leverage Ratio

9.71%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.66%1.85%1.93%1.69%1.62%-4 bps
Return on Equity18.16%19.90%20.76%18.12%17.39%-76 bps
Net Interest Margin4.45%4.49%4.42%4.14%4.04%-42 bps
Efficiency Ratio56.62%56.17%56.62%60.23%61.60%+498 bps
Non-Interest Burden2.33%2.31%2.27%2.32%2.39%+5 bps
Growth
Asset Growth (YoY)10.00%9.91%17.08%19.51%18.60%+860 bps
Loan Growth (YoY)20.22%13.56%17.45%18.84%14.85%-538 bps
Deposit Growth (YoY)22.09%21.16%11.69%15.86%7.74%-1,435 bps
Asset Quality
Nonperforming Loans / Loans0.31%0.55%0.57%0.65%0.60%+30 bps
Net Charge-Offs / Loans0.00%0.05%0.03%0.00%0.00%0 bps
Allowance / Loans1.75%1.76%1.76%1.76%1.77%+2 bps
Allowance Coverage of NPLs5.7x3.2x3.1x2.7x2.9x-2.8x
Capital
Tier 1 Leverage Ratio9.62%9.80%9.95%9.77%9.71%+9 bps
Total Risk-Based Capital11.29%11.68%11.38%11.36%11.66%+37 bps
Equity / Assets9.32%9.66%9.35%9.28%9.35%+3 bps
Liquidity & Funding
Loans / Deposits97.27%95.37%105.02%100.31%103.69%+642 bps
Liquid Assets / Assets3.16%2.14%2.20%2.77%2.07%-109 bps
CRE / Total Capitaln/a573%561%549%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.

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

Sunwest Bank

Sandy, UT · Cert 20164 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19) · H Bcorp LLC

State charter, non-member · FDIC · 9 branches

Q2 2026

$4.4BAssets
$3.5BLoans
$3.4BDeposits
$412.0MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 84% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 3 of 19).
  • Widest gap: tier 1 capital ratio trails 100% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 19 of 19).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.57%

Rank 5 of 19

Net Interest Margin

4.04%

Rank 3 of 19

Efficiency Ratio

61.60%

Rank 19 of 19

Equity / Assets

9.35%

Rank 17 of 19

Non-interest income vs. expense

$11.2M$113.5MINCOMEEXPENSE
Unfavorable gap of $102.4M · efficiency ratio beats 5% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 61.60%Peer median 51.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.57%1.10%1.26%1.57%Beats 74%5 / 19
Return on Equity16.75%8.62%11.28%14.70%Beats 84%3 / 19
Net Interest Margin4.04%3.07%3.30%3.62%Beats 84%3 / 19
Efficiency Ratio61.60%33.01%51.12%56.65%Beats 5%19 / 19
Asset Quality
Nonperforming Loans / Loans0.60%0.37%0.80%1.55%Beats 65%7 / 17
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 82%5 / 17
Capital
Tier 1 Capital Ratio10.40%12.10%14.67%23.92%Beats 0%19 / 19
Total Risk-Based Capital Ratio11.66%13.35%14.67%24.05%Beats 5%18 / 19
Equity / Assets9.35%9.84%11.18%14.01%Beats 11%17 / 19
Liquidity & Funding
Loans / Deposits103.69%79.34%95.16%100.04%84th pctl3 / 19
Loans / Assets79.85%69.86%77.55%83.04%53rd pctl9 / 19
Brokered Deposits / Depositsn/aNot reported for this institution