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California Bank of Commerce, National Association

San Diego, CA · Cert 57044 · California Bcorp

National charter · OCC · 14 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

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 $1B-$10B in assets operating in a single state (n=257 to 258). 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

73

Q2 2024Q2 2026peer median (50)

Asset Quality

70

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

65

Q2 2024Q2 2026peer median

Efficiency

66

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

California Bank of Commerce, National Association

San Diego, CA · Cert 57044 · California Bcorp

National charter · OCC · 14 branches

Q2 2026

$4.0BAssets
$3.1BLoans
$3.4BDeposits
$618.6MEquity
Loan mix
81%RE $2.4B19%C&I $0.6B1%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
63%Interest-bearing $2.1B37%Noninterest $1.3BQ2 2025Q2 2026

NIM

5.48%Q2 ’245.76%Q2 ’255.43%Q2 ’26+23%-2%

Non-interest income vs. expense

2.93%Q2 ’242.53%Q2 ’252.48%Q2 ’26-17%+2%

Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.2% share · #24 of 69 inst. · $1.3B of $513.2B

2.5% Contra Costa
0.3% Los Angeles
0.5% San Diego
0.2% Orange

Executive Summary

  • Earnings: ROA of 1.45%, down 21 bps year over year; NIM at 4.48%.
  • Asset quality: problem loans at 0.29% of loans (-33 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 12.80%, up 67 bps from a year ago.
  • Funding: loans stand at 92.49% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.45%-21 bps YoY

Net Interest Margin (YTD, annualized)

4.48%-9 bps YoY

Efficiency Ratio (YTD, annualized)

53.03%+110 bps YoY

Tier 1 Leverage Ratio

12.80%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.66%1.65%1.66%1.42%1.45%-21 bps
Return on Equity11.29%11.35%11.37%9.61%9.68%-161 bps
Net Interest Margin4.57%4.43%4.34%4.29%4.48%-9 bps
Efficiency Ratio51.93%50.70%52.46%54.84%53.03%+110 bps
Non-Interest Burden2.26%2.13%2.16%2.26%2.29%+4 bps
Growth
Asset Growth (YoY)72.47%-6.04%0.01%1.64%1.78%-7,069 bps
Loan Growth (YoY)59.06%-7.31%-3.08%-2.49%3.77%-5,529 bps
Deposit Growth (YoY)71.63%-7.05%-0.37%1.72%1.08%-7,055 bps
Asset Quality
Nonperforming Loans / Loans0.61%0.52%0.53%1.03%0.29%-33 bps
Net Charge-Offs / Loans0.37%0.25%0.27%0.00%0.01%-36 bps
Allowance / Loans1.37%1.38%1.12%1.13%1.12%-25 bps
Allowance Coverage of NPLs2.2x2.6x2.1x1.1x3.9x+1.7x
Capital
Tier 1 Leverage Ratio12.13%11.42%11.57%12.02%12.80%+67 bps
Total Risk-Based Capital14.30%14.06%14.24%14.78%14.94%+63 bps
Equity / Assets14.80%14.01%14.68%14.93%15.38%+58 bps
Liquidity & Funding
Loans / Deposits90.09%86.09%90.23%88.08%92.49%+240 bps
Liquid Assets / Assets7.31%9.53%4.94%5.66%3.83%-347 bps
CRE / Total Capitaln/a499%492%472%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

California Bank of Commerce, National Association

San Diego, CA · Cert 57044 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · California Bcorp

National charter · OCC · 14 branches

Q2 2026

$4.0BAssets
$3.1BLoans
$3.4BDeposits
$618.6MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 94% of banks $1B-$10B in assets operating in a single state (rank 16 of 258).
  • Widest gap: return on equity trails 73% of banks $1B-$10B in assets operating in a single state (rank 188 of 258).
  • Overall: at or above the peer median on 8 of 9 directional measures.

Return on Assets

1.46%

Rank 75 of 258

Net Interest Margin

4.48%

Rank 21 of 258

Efficiency Ratio

54.79%

Rank 88 of 257

Equity / Assets

15.38%

Rank 16 of 258

Non-interest income vs. expense

$7.4M$99.2MINCOMEEXPENSE
Unfavorable gap of $91.8M · efficiency ratio beats 66% of banks $1B-$10B in assets operating in a single state
Bank 54.79%Peer median 60.3%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.46%0.93%1.23%1.54%Beats 71%75 / 258
Return on Equity9.46%9.26%11.84%14.74%Beats 27%188 / 258
Net Interest Margin4.48%3.16%3.49%3.88%Beats 92%21 / 258
Efficiency Ratio54.79%51.71%60.30%69.65%Beats 66%88 / 257
Asset Quality
Nonperforming Loans / Loans0.29%0.19%0.46%0.90%Beats 63%97 / 258
Net Charge-Offs / Loans0.01%0.01%0.02%0.07%Beats 76%63 / 258
Capital
Tier 1 Capital Ratio13.93%11.41%12.98%15.12%Beats 63%95 / 258
Total Risk-Based Capital Ratio14.94%12.10%13.91%16.08%Beats 63%96 / 258
Equity / Assets15.38%9.09%10.24%11.72%Beats 94%16 / 258
Liquidity & Funding
Loans / Deposits92.49%73.24%86.34%95.95%68th pctl83 / 258
Loans / Assets77.32%63.01%72.27%78.40%69th pctl81 / 258
Brokered Deposits / Depositsn/aNot reported for this institution