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Hatch Bank

San Marcos, CA · Cert 25803

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 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 under $1B in assets (n=581 to 629). 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

88

Q2 2024Q2 2026peer median (50)

Asset Quality

39

Q2 2024Q2 2026peer median (50)

Profitability

39

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

3

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

Hatch Bank

San Marcos, CA · Cert 25803

State charter, non-member · FDIC · 1 branch

Q2 2026

$177.5MAssets
$110.1MLoans
$41.3MDeposits
$37.2MEquity
Loan mix
1%RE $0.7M7%C&I $8.3M93%Consumer $111.3MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $41.3M0%Noninterest $0.0MQ2 2025Q2 2026

NIM

4.76%Q2 ’246.66%Q2 ’257.06%Q2 ’26+191%+7%

Non-interest income vs. expense

3.77%Q2 ’245.13%Q2 ’255.40%Q2 ’26+379%+318%

Market Position · San Diego-Chula Vista-Carlsbad, CA · 2026 SOD (annual) · 0.0% share · #41 of 42 inst. · $0.0B of $135.0B

Executive Summary

  • Earnings: ROA of 0.24%, down 215 bps year over year; NIM at 5.10%.
  • Asset quality: problem loans at 0.10% of loans (-6 bps YoY), with net charge-offs at 0.68%.
  • Capital: tier 1 leverage ratio of 21.49%, down 305 bps from a year ago.
  • Funding: loans stand at 266.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.24%-215 bps YoY

Net Interest Margin (YTD, annualized)

5.10%+34 bps YoY

Efficiency Ratio (YTD, annualized)

151.58%+8,924 bps YoY

Tier 1 Leverage Ratio

21.49%-305 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.38%2.92%2.76%3.75%0.24%-215 bps
Return on Equity10.08%12.66%12.32%18.20%1.14%-894 bps
Net Interest Margin4.76%5.15%4.68%5.25%5.10%+34 bps
Efficiency Ratio62.34%57.76%58.80%46.97%151.58%+8,924 bps
Non-Interest Burden1.66%1.19%0.86%0.06%6.94%+528 bps
Growth
Asset Growth (YoY)17.53%33.76%54.88%39.01%20.16%+263 bps
Loan Growth (YoY)23.38%31.16%61.52%40.17%12.78%-1,060 bps
Deposit Growth (YoY)-13.47%41.04%64.30%40.09%1.43%+1,490 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.30%0.57%0.25%0.10%-6 bps
Net Charge-Offs / Loans1.08%0.77%0.68%1.17%0.68%-40 bps
Allowance / Loans2.57%2.59%2.11%1.94%0.11%-246 bps
Allowance Coverage of NPLs16.6x8.6x3.7x7.9x1.1x-15.5x
Capital
Tier 1 Leverage Ratio24.54%26.37%26.36%22.73%21.49%-305 bps
Total Risk-Based Capital34.13%34.55%30.48%32.02%31.73%-241 bps
Equity / Assets22.22%21.71%20.23%20.93%20.98%-124 bps
Liquidity & Funding
Loans / Deposits240%186.50%212%211%266%+2,683 bps
Liquid Assets / Assets12.82%19.86%16.70%18.84%20.60%+778 bps
CRE / Total Capitaln/a0.00%0.00%0.00%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

Hatch Bank

San Marcos, CA · Cert 25803 · Peer group: banks under $1B in assets (n=581-629)

State charter, non-member · FDIC · 1 branch

Q2 2026

$177.5MAssets
$110.1MLoans
$41.3MDeposits
$37.2MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 97% of banks under $1B in assets (rank 22 of 629).
  • Widest gap: efficiency ratio trails 97% of banks under $1B in assets (rank 612 of 629).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.24%

Rank 558 of 629

Net Interest Margin

5.10%

Rank 22 of 629

Efficiency Ratio

151.58%

Rank 612 of 629

Equity / Assets

20.98%

Rank 73 of 629

Non-interest income vs. expense

-$2.9M$10.1MINCOMEEXPENSE
Unfavorable gap of $13.0M · efficiency ratio beats 3% of banks under $1B in assets
Bank 151.58%Peer median 67.8%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.24%0.60%1.01%1.45%Beats 11%558 / 629
Return on Equity1.16%5.38%9.30%13.28%Beats 10%569 / 629
Net Interest Margin5.10%3.03%3.54%4.05%Beats 97%22 / 629
Efficiency Ratio151.58%58.35%67.79%79.08%Beats 3%612 / 629
Asset Quality
Nonperforming Loans / Loans0.10%0.09%0.46%1.20%Beats 74%153 / 581
Net Charge-Offs / Loans0.40%n/a0.01%0.06%Beats 4%558 / 581
Capital
Tier 1 Capital Ratio31.63%11.24%13.84%18.77%Beats 88%76 / 629
Total Risk-Based Capital Ratio31.73%11.58%14.43%19.66%Beats 88%77 / 629
Equity / Assets20.98%9.09%10.65%13.80%Beats 88%73 / 629
Liquidity & Funding
Loans / Deposits266%67.24%80.90%93.48%100th pctl2 / 594
Loans / Assets62.02%53.31%67.71%78.15%38th pctl388 / 629
Brokered Deposits / Depositsn/aNot reported for this institution