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Malaga Bank, FSB

Palos Verdes Estates, CA · Cert 32282 · Malaga Financial Corp.

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 $1B-$10B 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 $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17 to 19). 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

82

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

95

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

Malaga Bank, FSB

Palos Verdes Estates, CA · Cert 32282 · Malaga Financial Corp.

State savings bank · OCC · 5 branches

Q2 2026

$1.4BAssets
$1.2BLoans
$942.1MDeposits
$242.2MEquity
Loan mix
100%RE $1.2B0%C&I $0.0B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $758.7M19%Noninterest $183.4MQ2 2025Q2 2026

NIM

4.82%Q2 ’244.88%Q2 ’254.96%Q2 ’26+3%+1%

Non-interest income vs. expense

0.95%Q2 ’241.02%Q2 ’250.98%Q2 ’26+20%-4%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #44 of 107 inst. · $0.9B of $667.8B

Executive Summary

  • Earnings: ROA of 1.69%, up 6 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.76%, up 19 bps from a year ago.
  • Funding: loans stand at 131.84% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.69%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.30%+3 bps YoY

Efficiency Ratio (YTD, annualized)

29.04%-144 bps YoY

Tier 1 Leverage Ratio

16.76%+19 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.63%1.62%1.59%1.74%1.69%+6 bps
Return on Equity10.06%9.99%9.77%10.57%10.19%+13 bps
Net Interest Margin3.27%3.21%3.15%3.36%3.30%+3 bps
Efficiency Ratio30.48%30.21%31.42%27.76%29.04%-144 bps
Non-Interest Burden0.95%0.92%0.94%0.89%0.91%-3 bps
Growth
Asset Growth (YoY)-1.97%1.76%1.55%4.44%3.75%+571 bps
Loan Growth (YoY)-2.17%-1.64%-0.15%0.73%2.72%+489 bps
Deposit Growth (YoY)1.09%3.20%0.50%-0.10%1.55%+47 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.30%0.31%0.31%0.31%0.31%0 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio16.57%16.47%16.31%16.60%16.76%+19 bps
Total Risk-Based Capital28.92%29.72%29.38%28.01%27.91%-101 bps
Equity / Assets16.40%16.26%16.38%16.56%16.71%+32 bps
Liquidity & Funding
Loans / Deposits130.34%129.16%132.18%131.29%131.84%+150 bps
Liquid Assets / Assets11.26%13.04%11.43%12.34%12.26%+99 bps
CRE / Total Capitaln/a486%493%483%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

Malaga Bank, FSB

Palos Verdes Estates, CA · Cert 32282 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19) · Malaga Financial Corp.

State savings bank · OCC · 5 branches

Q2 2026

$1.4BAssets
$1.2BLoans
$942.1MDeposits
$242.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 1 of 17).
  • Widest gap: return on equity trails 63% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 12 of 19).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.68%

Rank 3 of 19

Net Interest Margin

3.30%

Rank 9 of 19

Efficiency Ratio

29.04%

Rank 2 of 19

Equity / Assets

16.71%

Rank 4 of 19

Non-interest income vs. expense

$0.9M$14.1MINCOMEEXPENSE
Unfavorable gap of $13.2M · efficiency ratio beats 95% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 29.04%Peer median 51.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.68%1.10%1.26%1.57%Beats 84%3 / 19
Return on Equity10.04%8.62%11.28%14.70%Beats 37%12 / 19
Net Interest Margin3.30%3.07%3.30%3.62%Beats 53%9 / 19
Efficiency Ratio29.04%33.01%51.12%56.65%Beats 95%2 / 19
Asset Quality
Nonperforming Loans / Loans0.00%0.37%0.80%1.55%Beats 100%1 / 17
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%3 / 17
Capital
Tier 1 Capital Ratio27.47%12.10%14.67%23.92%Beats 84%3 / 19
Total Risk-Based Capital Ratio27.91%13.35%14.67%24.05%Beats 84%3 / 19
Equity / Assets16.71%9.84%11.18%14.01%Beats 79%4 / 19
Liquidity & Funding
Loans / Deposits131.84%79.34%95.16%100.04%95th pctl1 / 19
Loans / Assets85.73%69.86%77.55%83.04%89th pctl2 / 19
Brokered Deposits / Depositsn/aNot reported for this institution