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Letter portraitLegal landscapeQuarterYTD

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