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Capital Bank and Trust Company

Irvine, CA · Cert 35164

State savings bank · OCC · 2 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 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 under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=28). 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

96

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

64

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

Capital Bank and Trust Company

Irvine, CA · Cert 35164

State savings bank · OCC · 2 branches

Q2 2026

$266.1MAssets
$0KLoans
$500KDeposits
$208.5MEquity
Deposit mix
100%Interest-bearing $500K0%Noninterest $0KQ3 2024Q2 2026

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.0% share · #102 of 107 inst. · $0.0B of $667.8B

0.0% Orange
0.0% Washoe

Executive Summary

  • Earnings: ROA of 81.14%, up 1,483 bps year over year; NIM at 2.21%.
  • Capital: tier 1 leverage ratio of 79.26%, up 645 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

81.14%+1,483 bps YoY

Net Interest Margin (YTD, annualized)

2.21%+26 bps YoY

Efficiency Ratio (YTD, annualized)

59.06%-389 bps YoY

Tier 1 Leverage Ratio

79.26%+645 bps YoY

NIM

2.04%Q2 ’241.95%Q2 ’252.21%Q2 ’26-5%+14%

Non-interest income vs. expense

104.66%Q2 ’24127.89%Q2 ’25128.38%Q2 ’26-36%-18%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets48.15%52.31%69.52%66.31%65.04%70.45%81.43%81.14%+1,483 bps
Return on Equity68.34%77.21%114.96%101.97%94.56%104.84%123.23%114.52%+1,255 bps
Net Interest Margin1.93%1.77%2.14%1.95%1.86%1.88%2.24%2.21%+26 bps
Efficiency Ratio64.24%63.62%62.22%62.95%63.06%62.20%59.09%59.06%-389 bps
Non-Interest Burden-53.89%-51.82%-78.95%-73.32%-67.43%-69.27%-94.25%-86.79%-1,347 bps
Growth
Asset Growth (YoY)32.60%-1.91%2.11%10.28%14.91%29.14%33.49%38.34%+2,807 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio80.96%39.79%66.19%72.81%78.15%49.50%69.79%79.26%+645 bps
Total Risk-Based Capital196.92%119.40%144.77%179.49%204%142.12%177.63%202%+2,281 bps
Equity / Assets79.26%55.21%65.08%72.54%77.33%61.15%70.24%78.35%+580 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets17.53%3.50%9.63%21.03%20.66%4.63%9.45%25.33%+430 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%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

Capital Bank and Trust Company

Irvine, CA · Cert 35164 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=28)

State savings bank · OCC · 2 branches

Q2 2026

$266.1MAssets
$0KLoans
$500KDeposits
$208.5MEquity

Executive Summary

  • Strongest standing: return on assets outperforms 96% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 1 of 28).
  • Widest gap: net interest margin trails 93% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 26 of 28).
  • Overall: at or above the peer median on 6 of 7 directional measures.

Return on Assets

69.52%

Rank 1 of 28

Net Interest Margin

2.21%

Rank 26 of 28

Efficiency Ratio

59.06%

Rank 11 of 28

Equity / Assets

78.35%

Rank 1 of 28

Non-interest income vs. expense

$567.8M$338.8MINCOMEEXPENSE
Favorable gap of $229.0M · efficiency ratio beats 64% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 59.06%Peer median 70.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets69.52%0.39%0.81%1.45%Beats 96%1 / 28
Return on Equity88.73%2.58%5.09%9.10%Beats 96%1 / 28
Net Interest Margin2.21%3.22%3.68%4.12%Beats 7%26 / 28
Efficiency Ratio59.06%56.77%70.25%85.37%Beats 64%11 / 28
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio202%13.70%16.46%19.75%Beats 96%1 / 28
Total Risk-Based Capital Ratio202%14.96%17.60%20.63%Beats 96%1 / 28
Equity / Assets78.35%11.97%15.41%17.42%Beats 96%1 / 28
Liquidity & Funding
Loans / Deposits0.00%84.00%97.95%102.47%0th pctl28 / 28
Loans / Assets0.00%69.18%76.59%81.19%0th pctl28 / 28
Brokered Deposits / Depositsn/aNot reported for this institution