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Pacific Premier Bank

Costa Mesa, CA · Cert 32172

FDIC · 58 branches

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, 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=139). 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

91

Q2 2024Q2 2025peer median (50)

Asset Quality

91

Q2 2024Q2 2025peer median (50)

Profitability

31

Q2 2024Q2 2025peer median (50)

Liquidity

89

Q2 2024Q2 2025peer median

Efficiency

14

Q2 2024Q2 2025peer 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

Pacific Premier Bank

Costa Mesa, CA · Cert 32172

FDIC · 58 branches

Q2 2025

$17.8BAssets
$11.9BLoans
$14.6BDeposits
$3.0BEquity
Loan mix
85%RE $8.0B15%C&I $1.4B0%Consumer $0.0BQ2 2024Q2 2025
Deposit mix
68%Interest-bearing $9.9B32%Noninterest $4.7BQ2 2024Q2 2025

NIM

4.19%Q2 ’234.53%Q2 ’244.18%Q2 ’25-1%-8%

Non-interest income vs. expense

1.86%Q2 ’232.11%Q2 ’242.20%Q2 ’25+11%+7%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2025 SOD (annual) · 1.4% share · #13 of 107 inst. · $9.3B of $665.2B

4.4% Orange
0.7% Los Angeles
3.0% Riverside
14.5% San Luis Obispo

Executive Summary

  • Earnings: ROA of 0.89%, down 16 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 0.22% of loans (-20 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 12.84%, down 58 bps from a year ago.
  • Funding: loans stand at 81.66% of deposits as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

0.89%-16 bps YoY

Net Interest Margin (YTD, annualized)

3.02%-26 bps YoY

Efficiency Ratio (YTD, annualized)

64.67%+780 bps YoY

Tier 1 Leverage Ratio

12.84%-58 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets1.05%1.01%0.97%0.91%0.89%-16 bps
Return on Equity6.21%5.89%5.64%5.18%5.11%-110 bps
Net Interest Margin3.29%3.28%3.22%2.97%3.02%-26 bps
Efficiency Ratio56.87%58.63%59.99%63.69%64.67%+780 bps
Non-Interest Burden1.63%1.70%1.72%1.68%1.75%+12 bps
Growth
Asset Growth (YoY)-11.68%-11.68%-5.93%-3.89%-2.94%+874 bps
Loan Growth (YoY)-8.24%-9.30%-9.37%-7.59%-4.70%+354 bps
Deposit Growth (YoY)-11.64%-9.59%-3.42%-3.59%-0.82%+1,083 bps
Asset Quality
Nonperforming Loans / Loans0.42%0.32%0.24%0.23%0.22%-20 bps
Net Charge-Offs / Loans0.27%0.21%0.17%-0.01%-0.01%-28 bps
Allowance / Loans1.47%1.51%1.48%1.45%1.43%-4 bps
Allowance Coverage of NPLs3.5x4.6x6.2x6.3x6.5x+3.0x
Capital
Tier 1 Leverage Ratio13.42%13.45%13.41%13.62%12.84%-58 bps
Total Risk-Based Capital19.22%19.81%19.82%20.07%18.85%-37 bps
Equity / Assets17.44%17.65%17.57%17.66%17.15%-29 bps
Liquidity & Funding
Loans / Deposits84.99%82.68%82.70%81.69%81.66%-333 bps
Liquid Assets / Assets13.36%14.17%12.32%12.83%13.01%-35 bps
CRE / Total Capitaln/an/an/an/an/an/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

Pacific Premier Bank

Costa Mesa, CA · Cert 32172 · Peer group: banks over $10B in assets (n=139)

FDIC · 58 branches

Q2 2025

$17.8BAssets
$11.9BLoans
$14.6BDeposits
$3.0BEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 97% of banks over $10B in assets (rank 4 of 139).
  • Widest gap: return on equity trails 87% of banks over $10B in assets (rank 121 of 139).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.90%

Rank 93 of 139

Net Interest Margin

3.02%

Rank 73 of 139

Efficiency Ratio

66.37%

Rank 120 of 139

Equity / Assets

17.15%

Rank 4 of 139

Non-interest income vs. expense

$80.4M$396.5MINCOMEEXPENSE
Unfavorable gap of $316.1M · efficiency ratio beats 14% of banks over $10B in assets
Bank 66.37%Peer median 57.3%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.90%0.80%1.06%1.36%Beats 33%93 / 139
Return on Equity5.24%7.36%9.66%12.40%Beats 13%121 / 139
Net Interest Margin3.02%2.66%3.05%3.43%Beats 47%73 / 139
Efficiency Ratio66.37%50.23%57.31%63.76%Beats 14%120 / 139
Asset Quality
Nonperforming Loans / Loans0.22%0.42%0.70%1.11%Beats 90%15 / 139
Net Charge-Offs / Loans0.01%0.06%0.13%0.26%Beats 92%12 / 139
Capital
Tier 1 Capital Ratio17.60%12.10%13.21%15.35%Beats 89%15 / 139
Total Risk-Based Capital Ratio18.85%13.47%14.49%16.42%Beats 88%16 / 139
Equity / Assets17.15%9.40%11.18%12.76%Beats 97%4 / 139
Liquidity & Funding
Loans / Deposits81.67%74.34%84.09%90.00%42nd pctl80 / 139
Loans / Assets66.95%59.18%68.56%74.23%42nd pctl80 / 139
Brokered Deposits / Depositsn/aNot reported for this institution