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State Bank of India (California)

Los Angeles, CA · Cert 23998 · State Bank of India

State charter, non-member · FDIC · 8 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 $1B-$10B in assets (n=322 to 328). 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

83

Q2 2024Q2 2026peer median (50)

Asset Quality

54

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

10

Q2 2024Q2 2026peer median

Efficiency

61

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

State Bank of India (California)

Los Angeles, CA · Cert 23998 · State Bank of India

State charter, non-member · FDIC · 8 branches

Q2 2026

$1.4BAssets
$1.2BLoans
$1.2BDeposits
$186.8MEquity
Loan mix
57%RE $681.0M43%C&I $517.2M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
89%Interest-bearing $1.1B11%Noninterest $0.1BQ2 2025Q2 2026

NIM

5.84%Q2 ’245.60%Q2 ’255.45%Q2 ’26-4%+2%

Non-interest income vs. expense

1.68%Q2 ’241.64%Q2 ’251.67%Q2 ’26-3%-1%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #56 of 107 inst. · $0.6B of $667.8B

0.2% Los Angeles
0.3% Alameda
0.1% San Diego
0.1% Santa Clara

Executive Summary

  • Earnings: ROA of 1.10%, up 29 bps year over year; NIM at 2.73%.
  • Asset quality: problem loans at 1.11% of loans (+67 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 14.05%, down 31 bps from a year ago.
  • Funding: loans stand at 100.13% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.10%+29 bps YoY

Net Interest Margin (YTD, annualized)

2.73%+6 bps YoY

Efficiency Ratio (YTD, annualized)

56.55%-92 bps YoY

Tier 1 Leverage Ratio

14.05%-31 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.83%0.80%1.35%1.10%+29 bps
Return on Equity5.86%6.07%5.87%10.10%8.16%+230 bps
Net Interest Margin2.68%2.68%2.62%2.76%2.73%+6 bps
Efficiency Ratio57.47%57.95%58.59%54.35%56.55%-92 bps
Non-Interest Burden1.47%1.47%1.46%1.38%1.45%-2 bps
Growth
Asset Growth (YoY)12.04%7.07%8.20%9.65%6.02%-601 bps
Loan Growth (YoY)14.74%7.54%8.94%9.01%3.94%-1,080 bps
Deposit Growth (YoY)13.48%7.46%8.44%9.57%5.95%-753 bps
Asset Quality
Nonperforming Loans / Loans0.43%0.80%1.65%1.09%1.11%+67 bps
Net Charge-Offs / Loans0.34%0.23%0.17%0.00%0.01%-34 bps
Allowance / Loans1.33%1.33%1.32%1.30%1.32%-1 bps
Allowance Coverage of NPLs3.1x1.7x0.8x1.2x1.2x-1.9x
Capital
Tier 1 Leverage Ratio14.36%14.20%14.14%13.93%14.05%-31 bps
Total Risk-Based Capital17.30%17.32%17.01%16.67%17.19%-10 bps
Equity / Assets13.49%13.61%13.60%13.19%13.51%+2 bps
Liquidity & Funding
Loans / Deposits102.06%101.43%102.42%101.49%100.13%-193 bps
Liquid Assets / Assets4.22%4.44%3.06%3.97%5.06%+84 bps
CRE / Total Capitaln/a345%347%356%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

State Bank of India (California)

Los Angeles, CA · Cert 23998 · Peer group: banks $1B-$10B in assets (n=322-328) · State Bank of India

State charter, non-member · FDIC · 8 branches

Q2 2026

$1.4BAssets
$1.2BLoans
$1.2BDeposits
$186.8MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 87% of banks $1B-$10B in assets (rank 43 of 328).
  • Widest gap: net interest margin trails 87% of banks $1B-$10B in assets (rank 286 of 328).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.09%

Rank 208 of 328

Net Interest Margin

2.73%

Rank 286 of 328

Efficiency Ratio

56.55%

Rank 130 of 328

Equity / Assets

13.51%

Rank 43 of 328

Non-interest income vs. expense

$3.1M$23.1MINCOMEEXPENSE
Unfavorable gap of $20.0M · efficiency ratio beats 61% of banks $1B-$10B in assets
Bank 56.55%Peer median 59.6%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.09%0.91%1.22%1.52%Beats 37%208 / 328
Return on Equity8.05%8.43%11.45%14.43%Beats 21%259 / 328
Net Interest Margin2.73%3.03%3.45%3.83%Beats 13%286 / 328
Efficiency Ratio56.55%51.61%59.56%67.53%Beats 61%130 / 328
Asset Quality
Nonperforming Loans / Loans1.11%0.24%0.51%1.03%Beats 24%247 / 322
Net Charge-Offs / Loans0.00%0.01%0.03%0.10%Beats 84%53 / 322
Capital
Tier 1 Capital Ratio15.94%11.75%13.15%15.47%Beats 80%67 / 328
Total Risk-Based Capital Ratio17.19%12.63%14.15%16.46%Beats 81%62 / 328
Equity / Assets13.51%9.15%10.33%12.01%Beats 87%43 / 328
Liquidity & Funding
Loans / Deposits100.13%76.63%87.92%95.36%87th pctl43 / 323
Loans / Assets85.55%65.18%74.15%79.98%92nd pctl25 / 328
Brokered Deposits / Depositsn/aNot reported for this institution