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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=743 to 746). 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

33

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

61

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 $0.0MQ3 2024Q2 2026
Deposit mix
70%Interest-bearing $94.3M30%Noninterest $40.0MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.04%-0.01%-0.47%-0.20%-0.03%0.19%0.09%0.23%+43 bps
Return on Equity0.46%-0.17%-5.25%-2.29%-0.36%2.02%0.90%2.21%+450 bps
Net Interest Margin2.49%2.58%2.88%2.98%3.09%3.18%3.16%3.08%+10 bps
Efficiency Ratio105.63%103.03%107.54%103.23%99.39%94.50%93.08%89.77%-1,346 bps
Non-Interest Burden2.64%2.66%3.13%3.09%3.07%3.00%2.89%2.69%-40 bps
Growth
Asset Growth (YoY)-1.96%6.88%2.10%1.21%-2.15%-5.52%-0.97%-6.84%-805 bps
Loan Growth (YoY)7.88%9.71%21.41%26.66%17.92%8.08%3.03%-1.60%-2,825 bps
Deposit Growth (YoY)-4.90%24.09%16.22%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%0.00%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 / Loans1.40%1.43%1.42%1.32%1.33%1.26%1.27%1.29%-4 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.86%11.01%11.26%11.00%10.87%11.26%11.84%11.63%+64 bps
Total Risk-Based Capital20.13%18.28%17.26%16.57%16.63%17.65%11.84%11.63%-494 bps
Equity / Assets8.98%8.64%9.25%8.90%9.41%10.38%10.10%10.48%+158 bps
Liquidity & Funding
Loans / Deposits73.91%70.76%80.05%84.04%78.94%85.96%90.19%86.72%+269 bps
Liquid Assets / Assets15.06%10.55%3.07%3.97%6.41%3.12%2.77%3.13%-83 bps
CRE / Total Capitaln/an/an/an/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=743-746) · 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 105 of 743).
  • Widest gap: efficiency ratio trails 92% of banks under $1B in assets operating in a single state (rank 684 of 746).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.23%

Rank 686 of 746

Net Interest Margin

3.08%

Rank 590 of 746

Efficiency Ratio

89.77%

Rank 684 of 746

Equity / Assets

10.48%

Rank 376 of 746

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 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.23%0.72%1.06%1.45%Beats 8%686 / 746
Return on Equity2.21%6.74%10.51%13.63%Beats 9%678 / 746
Net Interest Margin3.08%3.17%3.68%4.16%Beats 21%590 / 746
Efficiency Ratio89.77%55.74%64.58%75.47%Beats 8%684 / 746
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.42%1.07%Beats 100%105 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio11.63%11.55%13.75%17.60%Beats 26%554 / 746
Total Risk-Based Capital Ratio11.63%11.71%14.33%18.43%Beats 24%568 / 746
Equity / Assets10.48%8.90%10.51%13.06%Beats 50%376 / 746
Liquidity & Funding
Loans / Deposits86.72%61.31%78.27%90.78%68th pctl240 / 746
Loans / Assets70.83%53.60%66.97%76.08%59th pctl304 / 746
Brokered Deposits / Depositsn/aNot reported for this institution