Tustin Community Bank

Tustin, CA · Cert 32908 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28) · Saddleback Bcorp

State charter, non-member · FDIC · 1 branch

Q2 2026

$86.5MAssets

$70.3MLoans

$69.5MDeposits

$13.3MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 9 of 27).
Widest gap: net charge-offs / loans trails 93% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 26 of 27).
Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.88%

Rank 13 of 28

Net Interest Margin

5.35%

Rank 4 of 28

Efficiency Ratio

74.51%

Rank 18 of 28

Equity / Assets

15.41%

Rank 14 of 28

Unfavorable gap of $3.4M · efficiency ratio beats 39% of banks under $1B 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	0.88%	0.39%	0.81%	1.45%	Beats 54%	13 / 28
Return on Equity	5.69%	2.58%	5.09%	9.10%	Beats 57%	12 / 28
Net Interest Margin	5.35%	3.22%	3.68%	4.12%	Beats 86%	4 / 28
Efficiency Ratio	74.51%	56.77%	70.25%	85.37%	Beats 39%	18 / 28
Asset Quality
Nonperforming Loans / Loans	0.00%	n/a	0.26%	1.61%	Beats 100%	9 / 27
Net Charge-Offs / Loans	0.23%	n/a	n/a	0.02%	Beats 7%	26 / 27
Capital
Tier 1 Capital Ratio	15.46%	13.70%	16.46%	19.75%	Beats 32%	19 / 28
Total Risk-Based Capital Ratio	15.46%	14.96%	17.60%	20.63%	Beats 29%	20 / 28
Equity / Assets	15.41%	11.97%	15.41%	17.42%	Beats 50%	14 / 28
Liquidity & Funding
Loans / Deposits	101.15%	84.00%	97.95%	102.47%	64th pctl	10 / 28
Loans / Assets	81.19%	69.18%	76.59%	81.19%	75th pctl	7 / 28
Brokered Deposits / Deposits	n/a	Not reported for this institution