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Evertrust Bank

City of Industry, CA · Cert 34010 · O-Bank Co. Ltd.

State charter, non-member · FDIC · 8 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

73

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

89

Q2 2024Q2 2026peer median

Efficiency

32

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

Evertrust Bank

City of Industry, CA · Cert 34010 · O-Bank Co. Ltd.

State charter, non-member · FDIC · 8 branches

Q2 2026

$1.1BAssets
$817.0MLoans
$848.6MDeposits
$261.7MEquity
Loan mix
80%RE $658.1M20%C&I $166.0M0%Consumer $0.0MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $728.4M14%Noninterest $120.2MQ3 2024Q2 2026

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #54 of 107 inst. · $0.6B of $667.8B

0.2% Los Angeles
0.1% Santa Clara
0.1% Orange

Executive Summary

  • Earnings: ROA of 1.01%, down 21 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.80% of loans (+51 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 21.71%, down 152 bps from a year ago.
  • Funding: loans stand at 96.28% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.01%-21 bps YoY

Net Interest Margin (YTD, annualized)

3.48%-22 bps YoY

Efficiency Ratio (YTD, annualized)

56.34%+429 bps YoY

Tier 1 Leverage Ratio

21.71%-152 bps YoY

NIM

5.95%Q2 ’245.62%Q2 ’255.42%Q2 ’26-1%-6%

Non-interest income vs. expense

1.94%Q2 ’241.89%Q2 ’251.93%Q2 ’26+3%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.29%2.18%1.15%1.22%1.27%1.22%1.01%1.01%-21 bps
Return on Equity5.12%8.65%4.53%4.85%5.16%5.03%4.37%4.36%-49 bps
Net Interest Margin3.84%3.74%3.60%3.70%3.59%3.47%3.51%3.48%-22 bps
Efficiency Ratio51.05%54.07%53.31%52.04%50.60%51.20%55.87%56.34%+429 bps
Non-Interest Burden1.80%1.88%1.80%1.81%1.71%1.68%1.85%1.86%+5 bps
Growth
Asset Growth (YoY)0.66%8.66%4.26%13.31%22.03%17.07%15.71%11.61%-170 bps
Loan Growth (YoY)14.99%1.77%9.67%20.24%19.67%26.63%14.50%2.37%-1,787 bps
Deposit Growth (YoY)1.05%7.73%2.49%14.09%26.74%22.37%20.13%15.13%+104 bps
Asset Quality
Nonperforming Loans / Loans1.04%0.33%0.30%0.28%0.34%0.84%0.82%0.80%+51 bps
Net Charge-Offs / Loans3.44%0.31%0.00%0.05%0.09%0.08%0.00%0.06%+1 bps
Allowance / Loans1.06%1.49%1.38%1.22%1.15%1.10%1.14%1.12%-10 bps
Allowance Coverage of NPLs1.0x4.6x4.6x4.3x3.4x1.3x1.4x1.4x-2.9x
Capital
Tier 1 Leverage Ratio22.98%23.84%23.43%23.23%22.07%21.45%21.57%21.71%-152 bps
Total Risk-Based Capital22.98%23.84%23.43%23.23%22.07%21.45%21.57%21.71%-152 bps
Equity / Assets25.88%25.46%25.41%24.65%23.19%23.13%23.23%23.25%-140 bps
Liquidity & Funding
Loans / Deposits105.90%97.47%102.97%108.28%99.99%100.86%98.14%96.28%-1,200 bps
Liquid Assets / Assets3.13%11.80%8.04%4.80%12.06%9.54%11.48%11.77%+696 bps
CRE / Total Capitaln/an/an/an/a243%251%252%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

Evertrust Bank

City of Industry, CA · Cert 34010 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19) · O-Bank Co. Ltd.

State charter, non-member · FDIC · 8 branches

Q2 2026

$1.1BAssets
$817.0MLoans
$848.6MDeposits
$261.7MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 84% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 3 of 19).
  • Widest gap: return on equity trails 95% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 18 of 19).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.00%

Rank 16 of 19

Net Interest Margin

3.48%

Rank 7 of 19

Efficiency Ratio

56.34%

Rank 14 of 19

Equity / Assets

23.25%

Rank 3 of 19

Non-interest income vs. expense

$0.8M$21.0MINCOMEEXPENSE
Unfavorable gap of $20.2M · efficiency ratio beats 32% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 56.34%Peer median 51.1%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.00%1.10%1.26%1.57%Beats 16%16 / 19
Return on Equity4.32%8.62%11.28%14.70%Beats 5%18 / 19
Net Interest Margin3.48%3.07%3.30%3.62%Beats 63%7 / 19
Efficiency Ratio56.34%33.01%51.12%56.65%Beats 32%14 / 19
Asset Quality
Nonperforming Loans / Loans0.80%0.37%0.80%1.55%Beats 53%9 / 17
Net Charge-Offs / Loans0.04%0.00%0.01%0.05%Beats 35%12 / 17
Capital
Tier 1 Capital Ratio21.71%12.10%14.67%23.92%Beats 68%6 / 19
Total Risk-Based Capital Ratio21.71%13.35%14.67%24.05%Beats 68%6 / 19
Equity / Assets23.25%9.84%11.18%14.01%Beats 84%3 / 19
Liquidity & Funding
Loans / Deposits96.28%79.34%95.16%100.04%63rd pctl7 / 19
Loans / Assets72.60%69.86%77.55%83.04%32nd pctl13 / 19
Brokered Deposits / Depositsn/aNot reported for this institution