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C3bank, National Association

Encinitas, CA · Cert 25249 · C3 Bcorp

National charter · OCC · 4 branches

Q2 2026

$949.3MAssets
$602.0MLoans
$836.4MDeposits
$93.7MEquity
Loan mix
98%RE $590.8M2%C&I $14.4M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
55%Interest-bearing $456.6M45%Noninterest $379.7MQ3 2024Q2 2026

Market Position · San Diego-Chula Vista-Carlsbad, CA · 2026 SOD (annual) · 0.5% share · #20 of 42 inst. · $0.7B of $135.0B

0.5% San Diego
0.1% Davidson
0.1% Riverside

Executive Summary

  • Earnings: ROA of 1.12%, down 4 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.59%, up 106 bps from a year ago.
  • Funding: loans stand at 71.98% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.12%-4 bps YoY

Net Interest Margin (quarter, annualized)

3.77%+18 bps YoY

Efficiency Ratio (quarter, annualized)

56.69%+288 bps YoY

Tier 1 Leverage Ratio

10.59%+106 bps YoY

NIM

5.67%Q2 ’245.36%Q2 ’255.19%Q2 ’26-4%+5%

Non-interest income vs. expense

1.83%Q2 ’241.99%Q2 ’252.20%Q2 ’26+9%+11%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.28%1.17%1.12%1.17%1.28%1.22%1.20%1.12%-4 bps
Return on Equity12.27%12.15%12.14%12.57%13.73%12.99%12.33%11.10%-147 bps
Net Interest Margin3.88%3.53%3.34%3.59%3.63%3.72%3.81%3.77%+18 bps
Efficiency Ratio55.00%56.20%55.02%53.81%51.61%52.09%51.80%56.69%+288 bps
Non-Interest Burden2.09%1.94%1.80%1.89%1.81%1.87%1.91%2.09%+20 bps
Growth
Asset Growth (YoY)-6.00%7.36%5.17%23.20%15.42%4.81%-4.97%-0.29%-2,349 bps
Loan Growth (YoY)1.60%-1.06%-4.17%-5.33%-0.35%7.92%10.19%4.76%+1,009 bps
Deposit Growth (YoY)-2.08%13.09%11.03%26.83%16.76%4.44%-6.50%-1.47%-2,830 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.39%1.41%1.45%1.38%1.36%1.34%1.37%1.38%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.35%9.78%8.98%9.53%9.55%9.97%10.26%10.59%+106 bps
Total Risk-Based Capital16.14%17.17%17.99%16.89%17.36%17.04%17.05%17.83%+93 bps
Equity / Assets10.31%9.02%9.48%9.07%9.55%9.23%10.37%9.87%+80 bps
Liquidity & Funding
Loans / Deposits82.94%66.37%66.63%67.70%70.79%68.58%78.53%71.98%+428 bps
Liquid Assets / Assets24.39%38.18%38.44%37.39%34.56%36.18%28.11%33.44%-394 bps
CRE / Total Capitaln/an/an/an/a434%456%454%n/an/a