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Bank of the Orient

San Francisco, CA · Cert 20387 · Orient Bcorp

State charter, Fed member · FED · 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 operating regionally3

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 regionally (n=176). 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

41

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

17

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

26

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 the Orient

San Francisco, CA · Cert 20387 · Orient Bcorp

State charter, Fed member · FED · 9 branches

Q2 2026

$1.2BAssets
$990.7MLoans
$1.1BDeposits
$137.4MEquity
Loan mix
97%RE $937.9M3%C&I $32.3M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
89%Interest-bearing $936.8M11%Noninterest $114.1MQ3 2024Q2 2026

Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.2% share · #27 of 69 inst. · $1.0B of $513.2B

0.2% San Francisco
0.4% San Mateo
0.2% Alameda
0.2% Fort Bend

Executive Summary

  • Earnings: ROA of 0.76%, down 3 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 2.16% of loans (+101 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.65%, down 135 bps from a year ago.
  • Funding: loans stand at 94.26% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.76%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.28%-12 bps YoY

Efficiency Ratio (YTD, annualized)

67.10%-84 bps YoY

Tier 1 Leverage Ratio

11.65%-135 bps YoY

NIM

6.07%Q2 ’245.90%Q2 ’255.72%Q2 ’26-1%-4%

Non-interest income vs. expense

2.49%Q2 ’242.36%Q2 ’252.24%Q2 ’26-5%-5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.82%0.77%0.79%0.81%0.68%0.87%0.76%-3 bps
Return on Equity5.34%5.92%5.72%6.00%6.23%5.34%7.39%6.55%+55 bps
Net Interest Margin3.32%3.31%3.43%3.40%3.41%3.37%3.47%3.28%-12 bps
Efficiency Ratio70.34%67.88%68.60%67.93%67.41%72.29%65.30%67.10%-84 bps
Non-Interest Burden2.31%2.20%2.33%2.29%2.27%2.42%2.24%2.18%-11 bps
Growth
Asset Growth (YoY)11.02%9.01%9.73%8.88%8.10%16.26%18.10%18.92%+1,004 bps
Loan Growth (YoY)15.86%15.31%12.20%9.40%10.96%19.69%20.50%18.94%+954 bps
Deposit Growth (YoY)16.04%13.92%11.94%10.21%9.52%18.08%20.76%21.51%+1,130 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.56%0.35%1.15%0.91%0.82%0.79%2.16%+101 bps
Net Charge-Offs / Loans0.00%0.00%0.20%0.16%0.07%0.05%0.00%0.00%-16 bps
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.59%13.69%13.78%13.00%12.93%12.61%12.06%11.65%-135 bps
Total Risk-Based Capital13.59%13.69%13.78%13.00%12.93%12.61%12.06%11.65%-135 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits96.67%98.62%97.66%96.30%97.94%99.97%97.45%94.26%-203 bps
Liquid Assets / Assets0.05%0.05%0.05%0.05%0.05%0.04%0.00%0.00%-5 bps
CRE / Total Capitaln/an/an/an/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

Bank of the Orient

San Francisco, CA · Cert 20387 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Orient Bcorp

State charter, Fed member · FED · 9 branches

Q2 2026

$1.2BAssets
$990.7MLoans
$1.1BDeposits
$137.4MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating regionally (rank 10 of 176).
  • Widest gap: nonperforming loans / loans trails 93% of banks $1B-$10B in assets operating regionally (rank 165 of 176).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.73%

Rank 151 of 176

Net Interest Margin

3.28%

Rank 129 of 176

Efficiency Ratio

67.10%

Rank 131 of 176

Equity / Assets

11.31%

Rank 57 of 176

Non-interest income vs. expense

$0.7M$26.6MINCOMEEXPENSE
Unfavorable gap of $25.9M · efficiency ratio beats 26% of banks $1B-$10B in assets operating regionally
Bank 67.10%Peer median 59.6%Q4 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.73%0.93%1.26%1.54%Beats 14%151 / 176
Return on Equity6.45%9.26%11.89%14.46%Beats 11%157 / 176
Net Interest Margin3.28%3.25%3.59%3.93%Beats 27%129 / 176
Efficiency Ratio67.10%52.79%59.55%67.66%Beats 26%131 / 176
Asset Quality
Nonperforming Loans / Loans2.16%0.30%0.64%1.32%Beats 7%165 / 176
Net Charge-Offs / Loans0.00%0.01%0.04%0.10%Beats 100%10 / 176n/a
Capital
Tier 1 Capital Ratio11.65%11.15%12.72%14.15%Beats 34%116 / 176
Total Risk-Based Capital Ratio11.65%11.81%13.63%15.33%Beats 22%138 / 176
Equity / Assets11.31%9.16%10.35%11.80%Beats 68%57 / 176
Liquidity & Funding
Loans / Deposits94.26%80.94%89.73%97.21%67th pctl58 / 176
Loans / Assets81.57%69.25%75.12%80.82%79th pctl37 / 176
Brokered Deposits / Depositsn/aNot reported for this institution