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California Pacific Bank

Hayward, CA · Cert 23242

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

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 operating in a single state (n=743 to 746). 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

98

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

86

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

California Pacific Bank

Hayward, CA · Cert 23242

State charter, non-member · FDIC · 2 branches

Q2 2026

$102.6MAssets
$85.2MLoans
$59.2MDeposits
$42.0MEquity
Loan mix
95%RE $78.5M5%C&I $4.2M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
63%Interest-bearing $37.5M37%Noninterest $21.7MQ3 2024Q2 2026

Return on Assets (YTD, annualized)

1.90%-113 bps YoY

Net Interest Margin (YTD, annualized)

4.95%-125 bps YoY

Efficiency Ratio (YTD, annualized)

49.65%+1,219 bps YoY

Tier 1 Leverage Ratio

40.98%-293 bps YoY

NIM

8.13%Q2 ’247.13%Q2 ’255.97%Q2 ’26-11%-20%

Non-interest income vs. expense

2.38%Q2 ’242.45%Q2 ’252.62%Q2 ’26+63%+8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets3.79%3.78%3.26%3.03%2.88%1.92%1.77%1.90%-113 bps
Net Interest Margin7.26%7.54%6.93%6.20%5.99%5.46%5.02%4.95%-125 bps
Non-Interest Burden2.19%2.38%2.41%2.11%2.23%2.46%2.46%2.29%+18 bps
Loan Growth (YoY)4.57%1.11%15.57%24.94%13.52%20.50%17.96%13.70%-1,124 bps
Nonperforming Loans / Loans13.10%9.07%9.26%4.51%17.17%16.95%16.39%15.93%+1,142 bps
Allowance / Loans8.24%8.29%7.74%7.20%7.25%7.52%7.17%6.92%-28 bps
Tier 1 Leverage Ratio43.82%45.41%47.12%43.91%41.66%41.65%41.93%40.98%-293 bps
Equity / Assets45.19%47.66%48.05%41.42%41.94%42.01%41.07%40.91%-51 bps
Liquid Assets / Assets13.84%17.78%12.48%17.30%17.60%13.40%12.65%10.68%-662 bps

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

California Pacific Bank

Hayward, CA · Cert 23242 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, non-member · FDIC · 2 branches

Q2 2026

$102.6MAssets
$85.2MLoans
$59.2MDeposits
$42.0MEquity

Return on Assets

1.86%

Rank 71 of 746

Net Interest Margin

4.95%

Rank 33 of 746

Efficiency Ratio

49.65%

Rank 103 of 746

Equity / Assets

40.91%

Rank 6 of 746

Non-interest income vs. expense

$0.3M$2.7MINCOMEEXPENSE
Unfavorable gap of $2.3M · efficiency ratio beats 86% of banks under $1B in assets operating in a single state
Bank 49.65%Peer median 64.6%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets1.86%0.72%1.06%1.45%Beats 90%71 / 746
Net Interest Margin4.95%3.17%3.68%4.16%Beats 96%33 / 746
Nonperforming Loans / Loans15.93%0.09%0.42%1.07%Beats 0%743 / 743
Tier 1 Capital Ratio40.47%11.55%13.75%17.60%Beats 97%22 / 746
Equity / Assets40.91%8.90%10.51%13.06%Beats 99%6 / 746
Loans / Assets83.09%53.60%66.97%76.08%92nd pctl63 / 746