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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