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Asian Pacific National Bank

San Gabriel, CA · Cert 33013

National charter · OCC · 1 branch

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

76

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

37

Q2 2024Q2 2026peer median (50)

Liquidity

11

Q2 2024Q2 2026peer median

Efficiency

50

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

Asian Pacific National Bank

San Gabriel, CA · Cert 33013

National charter · OCC · 1 branch

Q2 2026

$56.9MAssets
$35.0MLoans
$45.1MDeposits
$11.3MEquity
Loan mix
100%RE $31.4M0%C&I $0.0M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
88%Interest-bearing $39.8M12%Noninterest $5.4MQ3 2024Q2 2026

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #98 of 107 inst. · $0.0B of $667.8B

Executive Summary

  • Earnings: ROA of 0.80%, up 41 bps year over year; NIM at 3.26%.
  • 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 20.07%, up 32 bps from a year ago.
  • Funding: loans stand at 77.62% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.80%+41 bps YoY

Net Interest Margin (YTD, annualized)

3.26%+41 bps YoY

Efficiency Ratio (YTD, annualized)

70.25%-1,334 bps YoY

Tier 1 Leverage Ratio

20.07%+32 bps YoY

NIM

5.45%Q2 ’245.51%Q2 ’255.66%Q2 ’26+16%+14%

Non-interest income vs. expense

2.39%Q2 ’242.57%Q2 ’252.43%Q2 ’26+7%-5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.21%0.23%0.29%0.39%0.51%0.57%0.61%0.80%+41 bps
Return on Equity1.18%1.27%1.51%2.05%2.69%2.95%3.13%4.07%+202 bps
Net Interest Margin2.51%2.63%2.71%2.85%2.86%2.97%3.10%3.26%+41 bps
Efficiency Ratio90.15%89.59%87.50%83.59%79.50%78.15%75.97%70.25%-1,334 bps
Non-Interest Burden2.25%2.33%2.34%2.34%2.23%2.28%2.31%2.23%-11 bps
Growth
Asset Growth (YoY)1.17%-2.10%0.29%-1.78%2.09%2.90%2.73%1.52%+330 bps
Loan Growth (YoY)25.45%15.11%10.23%-4.52%6.60%8.72%10.20%25.21%+2,974 bps
Deposit Growth (YoY)-1.57%-2.63%-1.60%-4.00%2.93%3.84%3.48%2.21%+621 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.95%2.05%2.05%2.08%1.83%1.89%1.86%1.66%-42 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio18.82%19.29%19.73%19.75%18.82%19.00%20.04%20.07%+32 bps
Total Risk-Based Capital18.82%19.29%19.73%19.75%18.82%19.00%20.04%20.07%+32 bps
Equity / Assets18.40%19.01%19.34%19.35%18.92%19.36%19.68%19.89%+54 bps
Liquidity & Funding
Loans / Deposits65.76%64.32%64.88%63.36%68.10%67.34%69.09%77.62%+1,426 bps
Liquid Assets / Assets19.53%22.54%26.70%29.92%26.72%30.49%31.85%24.31%-561 bps
CRE / Total Capitaln/an/an/an/a278%268%269%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

Asian Pacific National Bank

San Gabriel, CA · Cert 33013 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=27-28)

National charter · OCC · 1 branch

Q2 2026

$56.9MAssets
$35.0MLoans
$45.1MDeposits
$11.3MEquity

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 interest margin trails 71% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 20 of 28).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.80%

Rank 15 of 28

Net Interest Margin

3.26%

Rank 20 of 28

Efficiency Ratio

70.25%

Rank 15 of 28

Equity / Assets

19.89%

Rank 6 of 28

Non-interest income vs. expense

$0.1M$1.4MINCOMEEXPENSE
Unfavorable gap of $1.3M · efficiency ratio beats 50% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 70.25%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.80%0.39%0.81%1.45%Beats 46%15 / 28
Return on Equity4.03%2.58%5.09%9.10%Beats 36%18 / 28
Net Interest Margin3.26%3.22%3.68%4.12%Beats 29%20 / 28
Efficiency Ratio70.25%56.77%70.25%85.37%Beats 50%15 / 28
Asset Quality
Nonperforming Loans / Loans0.00%n/a0.26%1.61%Beats 100%9 / 27
Net Charge-Offs / Loans0.00%n/an/a0.02%Beats 100%17 / 27
Capital
Tier 1 Capital Ratio20.07%13.70%16.46%19.75%Beats 79%6 / 28
Total Risk-Based Capital Ratio20.07%14.96%17.60%20.63%Beats 71%8 / 28
Equity / Assets19.89%11.97%15.41%17.42%Beats 79%6 / 28
Liquidity & Funding
Loans / Deposits77.62%84.00%97.95%102.47%11th pctl25 / 28
Loans / Assets61.55%69.18%76.59%81.19%7th pctl26 / 28
Brokered Deposits / Depositsn/aNot reported for this institution