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Letter portraitLegal landscapeQuarterYTD

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 $1.1MQ2 2025Q2 2026
Deposit mix
91%Interest-bearing $339.8M9%Noninterest $34.0MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.53%0.69%0.66%0.43%0.70%+17 bps
Return on Equity2.08%2.74%2.58%1.62%2.62%+54 bps
Net Interest Margin4.00%4.27%4.12%3.86%4.41%+41 bps
Efficiency Ratio81.12%74.81%75.89%83.62%76.56%-456 bps
Non-Interest Burden3.23%3.18%3.12%3.22%3.38%+15 bps
Growth
Asset Growth (YoY)0.94%-3.70%-2.22%-2.89%1.47%+53 bps
Loan Growth (YoY)-1.08%0.22%0.76%7.76%7.71%+879 bps
Deposit Growth (YoY)1.67%-5.12%-2.68%-4.68%0.00%-167 bps
Asset Quality
Nonperforming Loans / Loans3.26%4.71%8.32%10.14%7.69%+443 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.67%1.65%1.70%1.65%1.65%-2 bps
Allowance Coverage of NPLs0.5x0.4x0.2x0.2x0.2x-0.3x
Capital
Tier 1 Leverage Ratio24.96%25.41%25.24%26.79%27.11%+216 bps
Total Risk-Based Capital43.46%40.49%42.14%43.24%44.57%+111 bps
Equity / Assets25.73%25.22%25.58%27.01%27.01%+128 bps
Liquidity & Funding
Loans / Deposits95.52%97.26%95.98%102.98%102.89%+737 bps
Liquid Assets / Assets25.59%23.85%25.31%21.47%21.39%-421 bps
CRE / Total Capitaln/a157.91%151.71%158.30%n/an/a