PackageTrendsPeer
Letter portraitLegal landscape

Home Bank of California

San Diego, CA · Cert 26271

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 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

45

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

87

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

92

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

Home Bank of California

San Diego, CA · Cert 26271

State charter, non-member · FDIC · 1 branch

Q2 2026

$255.4MAssets
$235.3MLoans
$192.2MDeposits
$31.3MEquity
Loan mix
95%RE $226.0M5%C&I $10.8M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
95%Interest-bearing $181.7M5%Noninterest $10.5MQ2 2025Q2 2026

NIM

7.01%Q2 ’247.28%Q2 ’257.33%Q2 ’26-1%+10%

Non-interest income vs. expense

2.84%Q2 ’242.14%Q2 ’252.06%Q2 ’26-27%-2%

Market Position · San Diego-Chula Vista-Carlsbad, CA · 2026 SOD (annual) · 0.1% share · #26 of 42 inst. · $0.2B of $135.0B

Executive Summary

  • Earnings: ROA of 1.90%, up 33 bps year over year; NIM at 4.39%.
  • Asset quality: problem loans at 0.00% of loans (-3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.27%, down 8 bps from a year ago.
  • Funding: loans stand at 122.43% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.90%+33 bps YoY

Net Interest Margin (YTD, annualized)

4.39%+39 bps YoY

Efficiency Ratio (YTD, annualized)

46.23%-575 bps YoY

Tier 1 Leverage Ratio

12.27%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.57%1.77%1.83%1.59%1.90%+33 bps
Return on Equity13.00%14.58%14.95%13.10%15.62%+262 bps
Net Interest Margin4.00%4.15%4.21%4.44%4.39%+39 bps
Efficiency Ratio51.98%47.48%46.39%54.84%46.23%-575 bps
Non-Interest Burden2.02%1.90%1.88%2.40%1.99%-4 bps
Growth
Asset Growth (YoY)3.16%5.80%2.77%0.44%1.80%-137 bps
Loan Growth (YoY)2.88%8.89%2.48%1.57%3.38%+50 bps
Deposit Growth (YoY)8.52%1.22%3.47%-5.56%-6.41%-1,492 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.00%0.00%0.00%0.00%-3 bps
Net Charge-Offs / Loans0.00%0.03%0.03%-0.01%0.00%0 bps
Allowance / Loans1.05%0.99%1.02%0.99%0.99%-6 bps
Allowance Coverage of NPLs39.0xn/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.35%12.45%12.53%11.98%12.27%-8 bps
Total Risk-Based Capital12.35%12.45%12.53%11.98%12.27%-8 bps
Equity / Assets12.36%12.23%12.61%11.71%12.26%-10 bps
Liquidity & Funding
Loans / Deposits110.83%119.07%116.52%121.93%122.43%+1,159 bps
Liquid Assets / Assets7.80%5.98%6.08%6.26%6.45%-135 bps
CRE / Total Capitaln/a573%560%603%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

Home Bank of California

San Diego, CA · Cert 26271 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, non-member · FDIC · 1 branch

Q2 2026

$255.4MAssets
$235.3MLoans
$192.2MDeposits
$31.3MEquity

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: total risk-based capital ratio trails 69% of banks under $1B in assets operating in a single state (rank 518 of 746).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.88%

Rank 62 of 746

Net Interest Margin

4.39%

Rank 121 of 746

Efficiency Ratio

46.23%

Rank 63 of 746

Equity / Assets

12.26%

Rank 225 of 746

Non-interest income vs. expense

$0.2M$5.3MINCOMEEXPENSE
Unfavorable gap of $5.1M · efficiency ratio beats 92% of banks under $1B in assets operating in a single state
Bank 46.23%Peer median 64.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.88%0.72%1.06%1.45%Beats 92%62 / 746
Return on Equity15.35%6.74%10.51%13.63%Beats 85%112 / 746
Net Interest Margin4.39%3.17%3.68%4.16%Beats 84%121 / 746
Efficiency Ratio46.23%55.74%64.58%75.47%Beats 92%63 / 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 Ratio12.27%11.55%13.75%17.60%Beats 34%491 / 746
Total Risk-Based Capital Ratio12.27%11.71%14.33%18.43%Beats 31%518 / 746
Equity / Assets12.26%8.90%10.51%13.06%Beats 70%225 / 746
Liquidity & Funding
Loans / Deposits122.43%61.31%78.27%90.78%99th pctl10 / 746
Loans / Assets92.11%53.60%66.97%76.08%99th pctl5 / 746
Brokered Deposits / Depositsn/aNot reported for this institution