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Asian Bank

Philadelphia, PA · Cert 34759 · Asian Financial Corp.

State charter, Fed member · FED · 3 branches

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 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD 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 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27 to 31). 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

67

Q2 2024Q2 2026peer median (50)

Asset Quality

23

Q2 2024Q2 2026peer median (50)

Profitability

55

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

81

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 Bank

Philadelphia, PA · Cert 34759 · Asian Financial Corp.

State charter, Fed member · FED · 3 branches

Q2 2026

$685.9MAssets
$535.6MLoans
$456.8MDeposits
$127.0MEquity
Loan mix
98%RE $499.4M2%C&I $11.0M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $370.4M19%Noninterest $86.4MQ2 2025Q2 2026

NIM

5.60%Q2 ’245.65%Q2 ’255.79%Q2 ’26+2%+13%

Non-interest income vs. expense

1.79%Q2 ’241.55%Q2 ’251.68%Q2 ’26-13%+9%

Market Position · Philadelphia-Camden-Wilmington, PA-NJ-DE-MD · 2026 SOD (annual) · 0.1% share · #34 of 88 inst. · $0.5B of $685.1B

Executive Summary

  • Earnings: ROA of 1.34%, up 12 bps year over year; NIM at 3.44%.
  • Asset quality: problem loans at 1.22% of loans (+40 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 19.15%, down 117 bps from a year ago.
  • Funding: loans stand at 117.24% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.34%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.44%+40 bps YoY

Efficiency Ratio (YTD, annualized)

47.43%-200 bps YoY

Tier 1 Leverage Ratio

19.15%-117 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.21%1.26%1.24%1.27%1.34%+12 bps
Return on Equity6.08%6.38%6.31%6.88%7.25%+118 bps
Net Interest Margin3.04%3.13%3.10%3.44%3.44%+40 bps
Efficiency Ratio49.43%48.47%49.32%47.92%47.43%-200 bps
Non-Interest Burden1.45%1.46%1.48%1.60%1.58%+13 bps
Growth
Asset Growth (YoY)20.79%12.80%16.49%12.93%11.37%-943 bps
Loan Growth (YoY)15.70%22.32%21.53%20.62%16.87%+118 bps
Deposit Growth (YoY)27.79%16.00%20.64%5.87%3.71%-2,408 bps
Asset Quality
Nonperforming Loans / Loans0.82%0.74%0.93%1.05%1.22%+40 bps
Net Charge-Offs / Loans0.00%0.02%0.03%0.04%0.05%+5 bps
Allowance / Loans1.07%1.05%1.09%1.10%1.08%+1 bps
Allowance Coverage of NPLs1.3x1.4x1.2x1.0x0.9x-0.4x
Capital
Tier 1 Leverage Ratio20.31%20.04%19.29%19.32%19.15%-117 bps
Total Risk-Based Capital27.36%26.46%26.50%26.24%25.28%-209 bps
Equity / Assets19.53%19.45%18.66%18.20%18.52%-101 bps
Liquidity & Funding
Loans / Deposits104.04%108.00%103.95%111.26%117.24%+1,320 bps
Liquid Assets / Assets9.99%7.06%9.92%11.48%8.49%-150 bps
CRE / Total Capitaln/a325%332%339%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 Bank

Philadelphia, PA · Cert 34759 · Peer group: banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (n=27-31) · Asian Financial Corp.

State charter, Fed member · FED · 3 branches

Q2 2026

$685.9MAssets
$535.6MLoans
$456.8MDeposits
$127.0MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 81% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 7 of 31).
  • Widest gap: net charge-offs / loans trails 81% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area (rank 23 of 27).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.32%

Rank 14 of 31

Net Interest Margin

3.44%

Rank 13 of 31

Efficiency Ratio

47.43%

Rank 7 of 31

Equity / Assets

18.52%

Rank 9 of 31

Non-interest income vs. expense

$0.6M$11.3MINCOMEEXPENSE
Unfavorable gap of $10.7M · efficiency ratio beats 81% of banks under $1B in assets in the Philadelphia-Camden-Wilmington, PA-NJ-DE-MD area
Bank 47.43%Peer median 63.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.32%0.63%0.93%2.39%Beats 55%14 / 31
Return on Equity7.14%4.15%7.07%14.29%Beats 52%15 / 31
Net Interest Margin3.44%2.72%3.26%3.84%Beats 58%13 / 31
Efficiency Ratio47.43%49.04%63.83%80.34%Beats 81%7 / 31
Asset Quality
Nonperforming Loans / Loans1.22%0.00%0.24%1.22%Beats 26%21 / 27
Net Charge-Offs / Loans0.04%n/an/a0.01%Beats 19%23 / 27
Capital
Tier 1 Capital Ratio24.19%13.01%19.43%42.39%Beats 65%11 / 31
Total Risk-Based Capital Ratio25.28%13.95%20.55%43.38%Beats 65%11 / 31
Equity / Assets18.52%9.21%12.36%21.28%Beats 71%9 / 31
Liquidity & Funding
Loans / Deposits117.24%52.41%83.15%99.86%90th pctl3 / 31
Loans / Assets78.08%37.80%67.87%79.23%71st pctl9 / 31
Brokered Deposits / Depositsn/aNot reported for this institution