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Universal Bank

West Covina, CA · Cert 30722 · Universal Financial Inc.

State savings bank · OCC · 5 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area3

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 in the Los Angeles-Long Beach-Anaheim, CA area (n=27 to 28). 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

61

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

18

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

29

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

Universal Bank

West Covina, CA · Cert 30722 · Universal Financial Inc.

State savings bank · OCC · 5 branches

Q2 2026

$388.0MAssets
$261.6MLoans
$275.1MDeposits
$66.8MEquity
Loan mix
99%RE $253.9M1%C&I $2.8M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $246.9M10%Noninterest $28.2MQ2 2025Q2 2026

NIM

5.06%Q2 ’245.03%Q2 ’254.87%Q2 ’26+6%+0%

Non-interest income vs. expense

2.63%Q2 ’242.81%Q2 ’252.45%Q2 ’26+33%-14%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #77 of 107 inst. · $0.3B of $667.8B

Executive Summary

  • Earnings: ROA of 0.36%, up 10 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 3.74% of loans (+14 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 17.80%, down 50 bps from a year ago.
  • Funding: loans stand at 95.08% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.36%+10 bps YoY

Net Interest Margin (YTD, annualized)

2.74%+1 bps YoY

Efficiency Ratio (YTD, annualized)

83.38%-1,269 bps YoY

Tier 1 Leverage Ratio

17.80%-50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.25%0.33%0.39%0.38%0.36%+10 bps
Return on Equity1.40%1.83%2.12%2.11%2.01%+61 bps
Net Interest Margin2.73%2.79%2.82%2.75%2.74%+1 bps
Efficiency Ratio96.08%93.95%90.25%82.51%83.38%-1,269 bps
Non-Interest Burden2.61%2.61%2.52%2.23%2.25%-36 bps
Growth
Asset Growth (YoY)-6.06%-0.09%4.16%1.93%7.50%+1,355 bps
Loan Growth (YoY)1.48%1.97%-2.60%-4.73%-6.72%-820 bps
Deposit Growth (YoY)-0.77%8.36%13.87%10.65%3.38%+415 bps
Asset Quality
Nonperforming Loans / Loans3.60%3.56%3.57%3.69%3.74%+14 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.02%-0.02%-0.02%0 bps
Allowance / Loans1.10%1.00%1.02%1.08%1.08%-2 bps
Allowance Coverage of NPLs0.3x0.3x0.3x0.3x0.3x0.0x
Capital
Tier 1 Leverage Ratio18.30%18.39%18.21%18.21%17.80%-50 bps
Total Risk-Based Capital18.30%18.39%18.21%18.21%17.80%-50 bps
Equity / Assets18.24%18.44%18.09%17.90%17.21%-103 bps
Liquidity & Funding
Loans / Deposits105.39%104.95%96.61%92.15%95.08%-1,030 bps
Liquid Assets / Assets4.93%2.10%4.19%2.50%2.95%-198 bps
CRE / Total Capitaln/a397%377%362%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

Universal Bank

West Covina, CA · Cert 30722 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28) · Universal Financial Inc.

State savings bank · OCC · 5 branches

Q2 2026

$388.0MAssets
$261.6MLoans
$275.1MDeposits
$66.8MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 17 of 27).
  • Widest gap: nonperforming loans / loans trails 89% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 25 of 27).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.35%

Rank 22 of 28

Net Interest Margin

2.74%

Rank 24 of 28

Efficiency Ratio

83.38%

Rank 21 of 28

Equity / Assets

17.21%

Rank 8 of 28

Non-interest income vs. expense

$0.8M$9.4MINCOMEEXPENSE
Unfavorable gap of $8.6M · efficiency ratio beats 29% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 83.38%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.35%0.39%0.81%1.45%Beats 21%22 / 28
Return on Equity2.01%2.58%5.09%9.10%Beats 18%23 / 28
Net Interest Margin2.74%3.22%3.68%4.12%Beats 14%24 / 28
Efficiency Ratio83.38%56.77%70.25%85.37%Beats 29%21 / 28
Asset Quality
Nonperforming Loans / Loans3.74%n/a0.26%1.61%Beats 11%25 / 27
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 27
Capital
Tier 1 Capital Ratio17.80%13.70%16.46%19.75%Beats 57%12 / 28
Total Risk-Based Capital Ratio17.80%14.96%17.60%20.63%Beats 54%13 / 28
Equity / Assets17.21%11.97%15.41%17.42%Beats 71%8 / 28
Liquidity & Funding
Loans / Deposits95.08%84.00%97.95%102.47%46th pctl15 / 28
Loans / Assets67.42%69.18%76.59%81.19%18th pctl23 / 28
Brokered Deposits / Depositsn/aNot reported for this institution