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Chino Commercial Bank, National Association

Chino, CA · Cert 35366 · Chino Commercial Bcorp

National charter · OCC · 5 branches

Q2 2026

$516.7MAssets
$239.3MLoans
$397.2MDeposits
$57.1MEquity
Loan mix
97%RE $221.3M3%C&I $7.3M0%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
51%Interest-bearing $201.7M49%Noninterest $195.6MQ2 2025Q2 2026

NIM

4.57%Q2 ’244.85%Q2 ’255.04%Q2 ’26+23%+6%

Non-interest income vs. expense

1.94%Q2 ’242.36%Q2 ’252.28%Q2 ’26+24%0%

Market Position · Riverside-San Bernardino-Ontario, CA · 2026 SOD (annual) · 0.5% share · #20 of 36 inst. · $0.4B of $79.7B

1.0% San Bernardino
0.1% Riverside

Executive Summary

  • Earnings: ROA of 1.59%, up 17 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.49% of loans (+9 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 12.51%, up 43 bps from a year ago.
  • Funding: loans stand at 60.23% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.59%+17 bps YoY

Net Interest Margin (quarter, annualized)

3.83%+23 bps YoY

Efficiency Ratio (quarter, annualized)

49.71%-348 bps YoY

Tier 1 Leverage Ratio

12.51%+43 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.42%1.41%1.26%1.52%1.59%+17 bps
Return on Equity13.42%13.15%11.56%13.34%13.88%+46 bps
Net Interest Margin3.60%3.73%3.74%3.97%3.83%+23 bps
Efficiency Ratio53.19%52.87%53.36%48.62%49.71%-348 bps
Non-Interest Burden1.53%1.60%1.61%1.54%1.52%0 bps
Growth
Asset Growth (YoY)2.99%5.08%5.69%-1.11%7.29%+430 bps
Loan Growth (YoY)6.05%7.96%7.02%11.75%16.29%+1,023 bps
Deposit Growth (YoY)9.30%5.15%5.84%3.67%4.87%-443 bps
Asset Quality
Nonperforming Loans / Loans0.41%0.40%0.32%0.51%0.49%+9 bps
Net Charge-Offs / Loans-0.02%0.01%-0.01%-0.01%-0.01%+1 bps
Allowance / Loans2.25%2.21%2.23%2.22%2.15%-10 bps
Allowance Coverage of NPLs5.6x5.6x6.9x4.3x4.4x-1.2x
Capital
Tier 1 Leverage Ratio12.08%12.16%12.26%12.36%12.51%+43 bps
Total Risk-Based Capital12.08%12.16%12.26%12.36%12.51%+43 bps
Equity / Assets10.59%10.82%11.00%11.89%11.04%+45 bps
Liquidity & Funding
Loans / Deposits54.32%53.33%58.19%59.80%60.23%+592 bps
Liquid Assets / Assets50.33%50.03%47.48%41.77%45.48%-484 bps
CRE / Total Capitaln/a345%349%353%n/an/a