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United Pacific Bank

City of Industry, CA · Cert 23805

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 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

56

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

86

Q2 2024Q2 2026peer median

Efficiency

21

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

United Pacific Bank

City of Industry, CA · Cert 23805

State charter, non-member · FDIC · 2 branches

Q2 2026

$191.0MAssets
$154.5MLoans
$156.8MDeposits
$32.3MEquity
Loan mix
96%RE $133.9M4%C&I $5.5M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
94%Interest-bearing $146.9M6%Noninterest $9.9MQ2 2025Q2 2026

NIM

7.31%Q2 ’246.60%Q2 ’256.59%Q2 ’26-12%+6%

Non-interest income vs. expense

3.78%Q2 ’243.52%Q2 ’253.56%Q2 ’26+192%+4%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #86 of 107 inst. · $0.2B of $667.8B

Executive Summary

  • Earnings: ROA of 0.40%, up 5 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 2.51% of loans (+251 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 17.39%, down 105 bps from a year ago.
  • Funding: loans stand at 98.53% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.40%+5 bps YoY

Net Interest Margin (YTD, annualized)

4.03%+22 bps YoY

Efficiency Ratio (YTD, annualized)

85.90%-205 bps YoY

Tier 1 Leverage Ratio

17.39%-105 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.34%0.40%0.37%0.35%0.40%+5 bps
Return on Equity1.84%2.19%2.04%2.04%2.33%+49 bps
Net Interest Margin3.80%3.74%3.66%3.91%4.03%+22 bps
Efficiency Ratio87.95%86.33%91.21%87.04%85.90%-205 bps
Non-Interest Burden3.32%3.20%3.32%3.39%3.44%+12 bps
Growth
Asset Growth (YoY)13.38%20.22%15.98%14.00%8.25%-514 bps
Loan Growth (YoY)14.06%20.29%11.46%8.50%18.62%+456 bps
Deposit Growth (YoY)17.85%26.98%20.60%16.02%9.96%-789 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.16%0.16%0.15%2.51%+251 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans2.16%2.01%1.83%1.81%1.63%-53 bps
Allowance Coverage of NPLsn/a12.4x11.7x12.2x0.6xn/a
Capital
Tier 1 Leverage Ratio18.45%17.66%17.13%17.30%17.39%-105 bps
Total Risk-Based Capital18.45%17.66%17.13%17.30%17.39%-105 bps
Equity / Assets17.89%17.05%17.19%17.15%16.89%-99 bps
Liquidity & Funding
Loans / Deposits91.33%91.70%90.69%91.08%98.53%+719 bps
Liquid Assets / Assets17.62%17.02%18.38%18.18%12.62%-500 bps
CRE / Total Capitaln/a417%411%417%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

United Pacific Bank

City of Industry, CA · Cert 23805 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28)

State charter, non-member · FDIC · 2 branches

Q2 2026

$191.0MAssets
$154.5MLoans
$156.8MDeposits
$32.3MEquity

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 81% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 23 of 27).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.39%

Rank 21 of 28

Net Interest Margin

4.03%

Rank 8 of 28

Efficiency Ratio

85.90%

Rank 23 of 28

Equity / Assets

16.89%

Rank 9 of 28

Non-interest income vs. expense

$0.2M$6.6MINCOMEEXPENSE
Unfavorable gap of $6.4M · efficiency ratio beats 21% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 85.90%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.39%0.39%0.81%1.45%Beats 25%21 / 28
Return on Equity2.32%2.58%5.09%9.10%Beats 21%22 / 28
Net Interest Margin4.03%3.22%3.68%4.12%Beats 71%8 / 28
Efficiency Ratio85.90%56.77%70.25%85.37%Beats 21%23 / 28
Asset Quality
Nonperforming Loans / Loans2.51%n/a0.26%1.61%Beats 19%23 / 27
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 27
Capital
Tier 1 Capital Ratio17.39%13.70%16.46%19.75%Beats 54%13 / 28
Total Risk-Based Capital Ratio17.39%14.96%17.60%20.63%Beats 46%15 / 28
Equity / Assets16.89%11.97%15.41%17.42%Beats 68%9 / 28
Liquidity & Funding
Loans / Deposits98.53%84.00%97.95%102.47%54th pctl13 / 28
Loans / Assets80.87%69.18%76.59%81.19%71st pctl8 / 28
Brokered Deposits / Depositsn/aNot reported for this institution