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Beacon Business Bank, National Association

San Francisco, CA · Cert 25644 · Trans Pacific Bcorp

National charter · OCC · 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=751 to 755). 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

32

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

63

Q2 2024Q2 2026peer median

Efficiency

8

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

Beacon Business Bank, National Association

San Francisco, CA · Cert 25644 · Trans Pacific Bcorp

National charter · OCC · 2 branches

Q2 2026

$164.4MAssets
$116.4MLoans
$134.2MDeposits
$17.2MEquity
Loan mix
92%RE $106.4M8%C&I $9.1M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $94.3M30%Noninterest $40.0MQ2 2025Q2 2026

NIM

4.58%Q2 ’244.41%Q2 ’254.56%Q2 ’26+13%+3%

Non-interest income vs. expense

2.99%Q2 ’243.39%Q2 ’253.43%Q2 ’26+11%-13%

Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.0% share · #52 of 69 inst. · $0.1B of $513.2B

0.0% San Francisco
0.1% San Mateo

Executive Summary

  • Earnings: ROA of 0.23%, up 43 bps year over year; NIM at 3.08%.
  • 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 11.63%, up 64 bps from a year ago.
  • Funding: loans stand at 86.72% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.23%+43 bps YoY

Net Interest Margin (YTD, annualized)

3.08%+10 bps YoY

Efficiency Ratio (YTD, annualized)

89.77%-1,346 bps YoY

Tier 1 Leverage Ratio

11.63%+64 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.20%-0.03%0.19%0.09%0.23%+43 bps
Return on Equity-2.29%-0.36%2.02%0.90%2.21%+450 bps
Net Interest Margin2.98%3.09%3.18%3.16%3.08%+10 bps
Efficiency Ratio103.23%99.39%94.50%93.08%89.77%-1,346 bps
Non-Interest Burden3.09%3.07%3.00%2.89%2.69%-40 bps
Growth
Asset Growth (YoY)1.21%-2.15%-5.52%-0.97%-6.84%-805 bps
Loan Growth (YoY)26.66%17.92%8.08%3.03%-1.60%-2,825 bps
Deposit Growth (YoY)9.53%10.40%-11.03%-8.55%-4.65%-1,418 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.32%1.33%1.26%1.27%1.29%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.00%10.87%11.26%11.84%11.63%+64 bps
Total Risk-Based Capital16.57%16.63%17.65%11.84%11.63%-494 bps
Equity / Assets8.90%9.41%10.38%10.10%10.48%+158 bps
Liquidity & Funding
Loans / Deposits84.04%78.94%85.96%90.19%86.72%+269 bps
Liquid Assets / Assets3.97%6.41%3.12%2.77%3.13%-83 bps
CRE / Total Capitaln/a511%472%490%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

Beacon Business Bank, National Association

San Francisco, CA · Cert 25644 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Trans Pacific Bcorp

National charter · OCC · 2 branches

Q2 2026

$164.4MAssets
$116.4MLoans
$134.2MDeposits
$17.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 108 of 751).
  • Widest gap: efficiency ratio trails 92% of banks under $1B in assets operating in a single state (rank 694 of 755).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.23%

Rank 697 of 755

Net Interest Margin

3.08%

Rank 593 of 755

Efficiency Ratio

89.77%

Rank 694 of 755

Equity / Assets

10.48%

Rank 393 of 755

Non-interest income vs. expense

$1.3M$5.8MINCOMEEXPENSE
Unfavorable gap of $4.6M · efficiency ratio beats 8% of banks under $1B in assets operating in a single state
Bank 89.77%Peer median 64.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.23%0.72%1.06%1.45%Beats 8%697 / 755
Return on Equity2.21%6.66%10.44%13.61%Beats 9%685 / 755
Net Interest Margin3.08%3.15%3.68%4.17%Beats 21%593 / 755
Efficiency Ratio89.77%55.75%64.78%75.61%Beats 8%694 / 755
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.05%Beats 100%108 / 751
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 751
Capital
Tier 1 Capital Ratio11.63%11.56%13.81%17.74%Beats 25%563 / 755
Total Risk-Based Capital Ratio11.63%11.72%14.46%18.53%Beats 24%576 / 755
Equity / Assets10.48%8.93%10.56%13.13%Beats 48%393 / 755
Liquidity & Funding
Loans / Deposits86.72%62.43%78.62%91.00%67th pctl250 / 755
Loans / Assets70.83%54.70%67.27%76.55%59th pctl313 / 755
Brokered Deposits / Depositsn/aNot reported for this institution