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New Omni Bank, National Association

Alhambra, CA · Cert 23086 · CKH Capital Inc.

National charter · OCC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B 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 under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27 to 28). 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

89

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

54

Q2 2024Q2 2026peer median

Efficiency

36

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

New Omni Bank, National Association

Alhambra, CA · Cert 23086 · CKH Capital Inc.

National charter · OCC · 4 branches

Q2 2026

$517.9MAssets
$384.6MLoans
$373.8MDeposits
$139.9MEquity
Loan mix
99%RE $377.4M1%C&I $4.0M0%Consumer $1.1MQ3 2024Q2 2026
Deposit mix
91%Interest-bearing $339.8M9%Noninterest $34.0MQ3 2024Q2 2026

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #68 of 107 inst. · $0.4B of $667.8B

0.1% Los Angeles
0.0% Orange

Executive Summary

  • Earnings: ROA of 0.70%, up 17 bps year over year; NIM at 4.41%.
  • Asset quality: problem loans at 7.69% of loans (+443 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 27.11%, up 216 bps from a year ago.
  • Funding: loans stand at 102.89% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.70%+17 bps YoY

Net Interest Margin (YTD, annualized)

4.41%+41 bps YoY

Efficiency Ratio (YTD, annualized)

76.56%-456 bps YoY

Tier 1 Leverage Ratio

27.11%+216 bps YoY

NIM

7.36%Q2 ’246.83%Q2 ’256.71%Q2 ’26-5%+10%

Non-interest income vs. expense

2.91%Q2 ’243.25%Q2 ’253.34%Q2 ’26+35%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.94%0.64%0.53%0.69%0.66%0.43%0.70%+17 bps
Return on Equity3.71%3.78%2.56%2.08%2.74%2.58%1.62%2.62%+54 bps
Net Interest Margin4.04%4.03%3.87%4.00%4.27%4.12%3.86%4.41%+41 bps
Efficiency Ratio64.63%65.28%76.02%81.12%74.81%75.89%83.62%76.56%-456 bps
Non-Interest Burden2.47%2.53%2.94%3.23%3.18%3.12%3.22%3.38%+15 bps
Growth
Asset Growth (YoY)0.79%-1.20%-2.50%0.94%-3.70%-2.22%-2.89%1.47%+53 bps
Loan Growth (YoY)-0.43%-4.03%-6.43%-1.08%0.22%0.76%7.76%7.71%+879 bps
Deposit Growth (YoY)12.64%8.87%6.89%1.67%-5.12%-2.68%-4.68%0.00%-167 bps
Asset Quality
Nonperforming Loans / Loans1.75%1.39%1.75%3.26%4.71%8.32%10.14%7.69%+443 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.58%1.64%1.68%1.67%1.65%1.70%1.65%1.65%-2 bps
Allowance Coverage of NPLs0.9x1.2x1.0x0.5x0.4x0.2x0.2x0.2x-0.3x
Capital
Tier 1 Leverage Ratio24.90%24.57%24.99%24.96%25.41%25.24%26.79%27.11%+216 bps
Total Risk-Based Capital43.23%43.18%44.32%43.46%40.49%42.14%43.24%44.57%+111 bps
Equity / Assets24.21%25.06%25.27%25.73%25.22%25.58%27.01%27.01%+128 bps
Liquidity & Funding
Loans / Deposits92.07%92.70%91.09%95.52%97.26%95.98%102.98%102.89%+737 bps
Liquid Assets / Assets27.92%27.30%28.72%25.59%23.85%25.31%21.47%21.39%-421 bps
CRE / Total Capitaln/an/an/an/a157.91%151.71%158.30%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

New Omni Bank, National Association

Alhambra, CA · Cert 23086 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28) · CKH Capital Inc.

National charter · OCC · 4 branches

Q2 2026

$517.9MAssets
$384.6MLoans
$373.8MDeposits
$139.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 17 of 27).
  • Widest gap: nonperforming loans / loans trails 93% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 26 of 27).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.70%

Rank 18 of 28

Net Interest Margin

4.41%

Rank 5 of 28

Efficiency Ratio

76.56%

Rank 19 of 28

Equity / Assets

27.01%

Rank 3 of 28

Non-interest income vs. expense

-$0.2M$17.2MINCOMEEXPENSE
Unfavorable gap of $17.4M · efficiency ratio beats 36% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 76.56%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.70%0.39%0.81%1.45%Beats 36%18 / 28
Return on Equity2.58%2.58%5.09%9.10%Beats 25%21 / 28
Net Interest Margin4.41%3.22%3.68%4.12%Beats 82%5 / 28
Efficiency Ratio76.56%56.77%70.25%85.37%Beats 36%19 / 28
Asset Quality
Nonperforming Loans / Loans7.69%n/a0.26%1.61%Beats 7%26 / 27
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 27
Capital
Tier 1 Capital Ratio43.31%13.70%16.46%19.75%Beats 89%3 / 28
Total Risk-Based Capital Ratio44.57%14.96%17.60%20.63%Beats 89%3 / 28
Equity / Assets27.01%11.97%15.41%17.42%Beats 89%3 / 28
Liquidity & Funding
Loans / Deposits102.89%84.00%97.95%102.47%79th pctl6 / 28
Loans / Assets74.25%69.18%76.59%81.19%39th pctl17 / 28
Brokered Deposits / Depositsn/aNot reported for this institution