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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

5.58%Q2 ’245.78%Q2 ’255.93%Q2 ’26+8%+11%

Non-interest income vs. expense

1.77%Q2 ’241.58%Q2 ’251.71%Q2 ’26-10%+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 1.40%, up 16 bps year over year; NIM at 3.54%.
  • 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 (quarter, annualized)

1.40%+16 bps YoY

Net Interest Margin (quarter, annualized)

3.54%+36 bps YoY

Efficiency Ratio (quarter, annualized)

46.97%-109 bps YoY

Tier 1 Leverage Ratio

19.15%-117 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%1.36%1.16%1.27%1.40%+16 bps
Return on Equity6.29%6.98%6.09%6.88%7.63%+133 bps
Net Interest Margin3.19%3.44%3.41%3.44%3.54%+36 bps
Efficiency Ratio48.06%46.80%51.56%47.92%46.97%-109 bps
Non-Interest Burden1.47%1.55%1.71%1.60%1.61%+14 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%0.06%0.05%0.04%0.05%+6 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