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Bank of Hope

Los Angeles, CA · Cert 26610 · Hope Bcorp Inc.

State charter, non-member · FDIC · 75 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B 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 over $10B in assets (n=142 to 144). 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

47

Q2 2024Q2 2026peer median (50)

Asset Quality

41

Q2 2024Q2 2026peer median (50)

Profitability

13

Q2 2024Q2 2026peer median (50)

Liquidity

34

Q2 2024Q2 2026peer median

Efficiency

21

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

Bank of Hope

Los Angeles, CA · Cert 26610 · Hope Bcorp Inc.

State charter, non-member · FDIC · 75 branches

Q2 2026

$19.0BAssets
$15.0BLoans
$15.9BDeposits
$2.4BEquity
Loan mix
81%RE $11.3B19%C&I $2.7B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
77%Interest-bearing $12.3B23%Noninterest $3.6BQ2 2025Q2 2026

NIM

5.60%Q2 ’244.83%Q2 ’254.95%Q2 ’26-8%+16%

Non-interest income vs. expense

1.81%Q2 ’241.98%Q2 ’251.98%Q2 ’26+4%-2%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 1.3% share · #13 of 107 inst. · $8.7B of $667.8B

2.4% Los Angeles
3.2% Honolulu
0.6% Orange
1.1% Queens

Executive Summary

  • Earnings: ROA of 0.74%, up 74 bps year over year; NIM at 2.81%.
  • Asset quality: problem loans at 0.88% of loans (-1 bps YoY), with net charge-offs at 0.26%.
  • Capital: tier 1 leverage ratio of 10.82%, up 36 bps from a year ago.
  • Funding: loans stand at 94.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.74%+74 bps YoY

Net Interest Margin (YTD, annualized)

2.81%+38 bps YoY

Efficiency Ratio (YTD, annualized)

63.42%-1,007 bps YoY

Tier 1 Leverage Ratio

10.82%+36 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.00%0.26%0.42%0.70%0.74%+74 bps
Return on Equity0.02%2.00%3.30%5.51%5.90%+589 bps
Net Interest Margin2.44%2.59%2.65%2.79%2.81%+38 bps
Efficiency Ratio73.49%70.43%69.20%63.97%63.42%-1,007 bps
Non-Interest Burden1.67%1.70%1.71%1.64%1.63%-4 bps
Growth
Asset Growth (YoY)6.74%6.64%8.67%9.31%2.41%-433 bps
Loan Growth (YoY)5.95%7.16%8.47%10.51%4.07%-189 bps
Deposit Growth (YoY)8.34%7.44%8.87%8.66%-0.26%-860 bps
Asset Quality
Nonperforming Loans / Loans0.89%0.95%1.02%0.95%0.88%-1 bps
Net Charge-Offs / Loans0.28%0.23%0.20%0.29%0.26%-2 bps
Allowance / Loans1.03%1.04%1.06%1.05%1.02%-2 bps
Allowance Coverage of NPLs1.2x1.1x1.0x1.1x1.2x0.0x
Capital
Tier 1 Leverage Ratio10.45%10.72%10.93%10.84%10.82%+36 bps
Total Risk-Based Capital13.62%13.68%13.85%13.75%13.65%+2 bps
Equity / Assets12.44%12.63%12.77%12.55%12.41%-3 bps
Liquidity & Funding
Loans / Deposits90.52%92.24%94.67%93.44%94.44%+393 bps
Liquid Assets / Assets4.16%3.03%3.65%3.75%3.87%-29 bps
CRE / Total Capitaln/a446%440%445%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

Bank of Hope

Los Angeles, CA · Cert 26610 · Peer group: banks over $10B in assets (n=142-144) · Hope Bcorp Inc.

State charter, non-member · FDIC · 75 branches

Q2 2026

$19.0BAssets
$15.0BLoans
$15.9BDeposits
$2.4BEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 68% of banks over $10B in assets (rank 46 of 144).
  • Widest gap: return on equity trails 94% of banks over $10B in assets (rank 135 of 144).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.73%

Rank 133 of 144

Net Interest Margin

2.81%

Rank 109 of 144

Efficiency Ratio

64.20%

Rank 115 of 144

Equity / Assets

12.41%

Rank 46 of 144

Non-interest income vs. expense

$65.1M$372.6MINCOMEEXPENSE
Unfavorable gap of $307.5M · efficiency ratio beats 21% of banks over $10B in assets
Bank 64.20%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.73%1.00%1.26%1.54%Beats 8%133 / 144
Return on Equity5.90%8.98%11.34%14.40%Beats 6%135 / 144
Net Interest Margin2.81%2.82%3.31%3.68%Beats 24%109 / 144
Efficiency Ratio64.20%49.42%56.02%62.41%Beats 21%115 / 144
Asset Quality
Nonperforming Loans / Loans0.88%0.48%0.73%1.07%Beats 37%90 / 142
Net Charge-Offs / Loans0.13%0.05%0.11%0.22%Beats 44%81 / 142
Capital
Tier 1 Capital Ratio12.65%12.07%12.98%14.92%Beats 41%85 / 144
Total Risk-Based Capital Ratio13.65%13.39%14.14%16.25%Beats 33%96 / 144
Equity / Assets12.41%9.69%11.39%12.96%Beats 68%46 / 144
Liquidity & Funding
Loans / Deposits94.44%75.72%84.92%91.56%83rd pctl24 / 143
Loans / Assets79.18%59.83%69.07%74.80%88th pctl17 / 144
Brokered Deposits / Depositsn/aNot reported for this institution