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

Unfavorable gap of $17.4M · efficiency ratio beats 36% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.70%	0.39%	0.81%	1.45%	Beats 36%	18 / 28
Return on Equity	2.58%	2.58%	5.09%	9.10%	Beats 25%	21 / 28
Net Interest Margin	4.41%	3.22%	3.68%	4.12%	Beats 82%	5 / 28
Efficiency Ratio	76.56%	56.77%	70.25%	85.37%	Beats 36%	19 / 28
Asset Quality
Nonperforming Loans / Loans	7.69%	n/a	0.26%	1.61%	Beats 7%	26 / 27
Net Charge-Offs / Loans	0.00%	n/a	n/a	0.02%	Beats 100%	17 / 27
Capital
Tier 1 Capital Ratio	43.31%	13.70%	16.46%	19.75%	Beats 89%	3 / 28
Total Risk-Based Capital Ratio	44.57%	14.96%	17.60%	20.63%	Beats 89%	3 / 28
Equity / Assets	27.01%	11.97%	15.41%	17.42%	Beats 89%	3 / 28
Liquidity & Funding
Loans / Deposits	102.89%	84.00%	97.95%	102.47%	79th pctl	6 / 28
Loans / Assets	74.25%	69.18%	76.59%	81.19%	39th pctl	17 / 28
Brokered Deposits / Deposits	n/a	Not reported for this institution