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

Unfavorable gap of $13.2M · efficiency ratio beats 95% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	1.68%	1.10%	1.26%	1.57%	Beats 84%	3 / 19
Return on Equity	10.04%	8.62%	11.28%	14.70%	Beats 37%	12 / 19
Net Interest Margin	3.30%	3.07%	3.30%	3.62%	Beats 53%	9 / 19
Efficiency Ratio	29.04%	33.01%	51.12%	56.65%	Beats 95%	2 / 19
Asset Quality
Nonperforming Loans / Loans	0.00%	0.37%	0.80%	1.55%	Beats 100%	1 / 17
Net Charge-Offs / Loans	0.00%	0.00%	0.01%	0.05%	Beats 100%	3 / 17
Capital
Tier 1 Capital Ratio	27.47%	12.10%	14.67%	23.92%	Beats 84%	3 / 19
Total Risk-Based Capital Ratio	27.91%	13.35%	14.67%	24.05%	Beats 84%	3 / 19
Equity / Assets	16.71%	9.84%	11.18%	14.01%	Beats 79%	4 / 19
Liquidity & Funding
Loans / Deposits	131.84%	79.34%	95.16%	100.04%	95th pctl	1 / 19
Loans / Assets	85.73%	69.86%	77.55%	83.04%	89th pctl	2 / 19
Brokered Deposits / Deposits	n/a	Not reported for this institution