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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

$1.1BAssets
$817.0MLoans
$848.6MDeposits
$261.7MEquity
Loan mix
80%RE $658.1M20%C&I $166.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
86%Interest-bearing $728.4M14%Noninterest $120.2MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.22%1.27%1.22%1.01%1.01%-21 bps
Return on Equity4.85%5.16%5.03%4.37%4.36%-49 bps
Net Interest Margin3.70%3.59%3.47%3.51%3.48%-22 bps
Efficiency Ratio52.04%50.60%51.20%55.87%56.34%+429 bps
Non-Interest Burden1.81%1.71%1.68%1.85%1.86%+5 bps
Growth
Asset Growth (YoY)13.31%22.03%17.07%15.71%11.61%-170 bps
Loan Growth (YoY)20.24%19.67%26.63%14.50%2.37%-1,787 bps
Deposit Growth (YoY)14.09%26.74%22.37%20.13%15.13%+104 bps
Asset Quality
Nonperforming Loans / Loans0.28%0.34%0.84%0.82%0.80%+51 bps
Net Charge-Offs / Loans0.05%0.09%0.08%0.00%0.06%+1 bps
Allowance / Loans1.22%1.15%1.10%1.14%1.12%-10 bps
Allowance Coverage of NPLs4.3x3.4x1.3x1.4x1.4x-2.9x
Capital
Tier 1 Leverage Ratio23.23%22.07%21.45%21.57%21.71%-152 bps
Total Risk-Based Capital23.23%22.07%21.45%21.57%21.71%-152 bps
Equity / Assets24.65%23.19%23.13%23.23%23.25%-140 bps
Liquidity & Funding
Loans / Deposits108.28%99.99%100.86%98.14%96.28%-1,200 bps
Liquid Assets / Assets4.80%12.06%9.54%11.48%11.77%+696 bps
CRE / Total Capitaln/a243%251%252%n/an/a