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First Credit Bank

West Hollywood, CA · Cert 24332

State charter, non-member · FDIC · 1 branch

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

93

Q2 2024Q2 2026peer median (50)

Asset Quality

58

Q2 2024Q2 2026peer median (50)

Profitability

85

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

96

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

First Credit Bank

West Hollywood, CA · Cert 24332

State charter, non-member · FDIC · 1 branch

Q2 2026

$515.8MAssets
$409.0MLoans
$265.3MDeposits
$241.3MEquity
Loan mix
99%RE $391.1M1%C&I $4.1M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $244.9M8%Noninterest $20.4MQ2 2025Q2 2026

NIM

9.34%Q2 ’248.08%Q2 ’257.62%Q2 ’26-11%-2%

Non-interest income vs. expense

0.87%Q2 ’241.16%Q2 ’251.47%Q2 ’26+59%+27%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #79 of 107 inst. · $0.3B of $667.8B

Executive Summary

  • Earnings: ROA of 3.61%, down 35 bps year over year; NIM at 6.04%.
  • Asset quality: problem loans at 3.33% of loans (+5 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 47.61%, up 345 bps from a year ago.
  • Funding: loans stand at 154.15% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

3.61%-35 bps YoY

Net Interest Margin (YTD, annualized)

6.04%-11 bps YoY

Efficiency Ratio (YTD, annualized)

24.19%+548 bps YoY

Tier 1 Leverage Ratio

47.61%+345 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.95%4.54%4.74%3.02%3.61%-35 bps
Return on Equity9.05%10.24%10.57%6.41%7.68%-137 bps
Net Interest Margin6.15%6.44%6.45%5.95%6.04%-11 bps
Efficiency Ratio18.71%19.16%18.78%20.86%24.19%+548 bps
Non-Interest Burden1.13%1.21%1.18%1.22%1.44%+31 bps
Growth
Asset Growth (YoY)-6.48%-6.81%-6.32%-5.38%-1.98%+450 bps
Loan Growth (YoY)-5.04%-4.86%-5.91%-4.79%-4.77%+27 bps
Deposit Growth (YoY)-12.27%-13.60%-13.51%-11.48%-6.04%+623 bps
Asset Quality
Nonperforming Loans / Loans3.27%3.51%3.56%3.50%3.33%+5 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans3.28%3.17%2.63%2.72%2.47%-81 bps
Allowance Coverage of NPLs1.0x0.9x0.7x0.8x0.7x-0.3x
Capital
Tier 1 Leverage Ratio44.16%46.00%45.71%47.97%47.61%+345 bps
Total Risk-Based Capital45.45%50.92%50.33%53.91%49.05%+361 bps
Equity / Assets44.58%46.44%46.87%47.33%46.79%+221 bps
Liquidity & Funding
Loans / Deposits152.09%146.14%149.90%152.56%154.15%+206 bps
Liquid Assets / Assets11.48%17.18%13.41%13.09%11.76%+28 bps
CRE / Total Capitaln/a142.93%145.45%144.74%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

First Credit Bank

West Hollywood, CA · Cert 24332 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28)

State charter, non-member · FDIC · 1 branch

Q2 2026

$515.8MAssets
$409.0MLoans
$265.3MDeposits
$241.3MEquity

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 85% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 24 of 27).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

3.55%

Rank 2 of 28

Net Interest Margin

6.04%

Rank 2 of 28

Efficiency Ratio

24.19%

Rank 2 of 28

Equity / Assets

46.79%

Rank 2 of 28

Non-interest income vs. expense

$0.2M$7.4MINCOMEEXPENSE
Unfavorable gap of $7.3M · efficiency ratio beats 96% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 24.19%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets3.55%0.39%0.81%1.45%Beats 93%2 / 28
Return on Equity7.58%2.58%5.09%9.10%Beats 68%9 / 28
Net Interest Margin6.04%3.22%3.68%4.12%Beats 93%2 / 28
Efficiency Ratio24.19%56.77%70.25%85.37%Beats 96%2 / 28
Asset Quality
Nonperforming Loans / Loans3.33%n/a0.26%1.61%Beats 15%24 / 27
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 27
Capital
Tier 1 Capital Ratio47.79%13.70%16.46%19.75%Beats 93%2 / 28
Total Risk-Based Capital Ratio49.05%14.96%17.60%20.63%Beats 93%2 / 28
Equity / Assets46.79%11.97%15.41%17.42%Beats 93%2 / 28
Liquidity & Funding
Loans / Deposits154.15%84.00%97.95%102.47%96th pctl1 / 28
Loans / Assets79.28%69.18%76.59%81.19%64th pctl10 / 28
Brokered Deposits / Depositsn/aNot reported for this institution