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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 0.66%, down 16 bps year over year; NIM at 3.26%.
  • 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 (quarter, annualized)

0.66%-16 bps YoY

Net Interest Margin (quarter, annualized)

3.26%-22 bps YoY

Efficiency Ratio (quarter, annualized)

68.92%+163 bps YoY

Tier 1 Leverage Ratio

11.65%-135 bps YoY

NIM

6.16%Q2 ’246.03%Q2 ’255.81%Q2 ’26+2%-6%

Non-interest income vs. expense

2.55%Q2 ’242.39%Q2 ’252.28%Q2 ’26-6%-4%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.79%1.03%0.77%0.82%0.85%0.33%0.87%0.66%-16 bps
Return on Equity5.87%7.67%5.72%6.24%6.73%2.69%7.39%5.72%-52 bps
Net Interest Margin3.50%3.39%3.43%3.48%3.56%3.58%3.47%3.26%-22 bps
Efficiency Ratio69.24%61.29%68.60%67.29%66.44%86.16%65.30%68.92%+163 bps
Non-Interest Burden2.40%1.93%2.33%2.31%2.34%3.09%2.24%2.23%-9 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%0.12%-0.07%0.00%0.00%0.00%-12 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