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Commercial Bank of California

Irvine, CA · Cert 57417 · CBC Bcorp

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B 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 $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17 to 19). 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

11

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

74

Q2 2024Q2 2026peer median

Efficiency

42

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

Commercial Bank of California

Irvine, CA · Cert 57417 · CBC Bcorp

State charter, non-member · FDIC · 9 branches

Q2 2026

$4.0BAssets
$2.8BLoans
$3.5BDeposits
$360.1MEquity
Loan mix
90%RE $2.5B8%C&I $0.2B2%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
62%Interest-bearing $2.1B38%Noninterest $1.3BQ3 2024Q2 2026

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.4% share · #25 of 107 inst. · $2.7B of $667.8B

1.4% Orange
0.1% Los Angeles
0.4% Alameda
0.5% Contra Costa

Executive Summary

  • Earnings: ROA of 1.34%, up 31 bps year over year; NIM at 3.62%.
  • Asset quality: problem loans at 0.37% of loans (-22 bps YoY), with net charge-offs at 0.06%.
  • Capital: tier 1 leverage ratio of 9.27%, up 55 bps from a year ago.
  • Funding: loans stand at 80.45% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.34%+31 bps YoY

Net Interest Margin (YTD, annualized)

3.62%+24 bps YoY

Efficiency Ratio (YTD, annualized)

53.53%-631 bps YoY

Tier 1 Leverage Ratio

9.27%+55 bps YoY

NIM

5.28%Q2 ’245.40%Q2 ’255.37%Q2 ’26+11%+7%

Non-interest income vs. expense

2.43%Q2 ’242.49%Q2 ’252.34%Q2 ’26+3%-8%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.84%0.59%0.99%1.04%1.08%1.16%1.31%1.34%+31 bps
Return on Equity11.53%7.80%11.84%12.35%12.79%13.41%14.38%14.75%+240 bps
Net Interest Margin2.97%2.70%3.40%3.38%3.43%3.54%3.80%3.62%+24 bps
Efficiency Ratio65.33%68.36%60.41%59.84%58.81%56.70%53.42%53.53%-631 bps
Non-Interest Burden1.73%1.70%1.96%1.88%1.88%1.85%1.85%1.73%-15 bps
Growth
Asset Growth (YoY)12.27%45.85%48.67%49.18%51.93%4.64%7.55%7.60%-4,158 bps
Loan Growth (YoY)9.78%45.67%47.15%54.34%49.48%9.77%7.49%6.19%-4,816 bps
Deposit Growth (YoY)13.33%51.15%49.77%50.53%56.36%7.43%13.35%13.25%-3,728 bps
Asset Quality
Nonperforming Loans / Loans0.12%0.31%0.54%0.59%0.39%0.41%0.64%0.37%-22 bps
Net Charge-Offs / Loans0.17%0.12%0.13%0.08%0.12%0.09%0.08%0.06%-2 bps
Allowance / Loans1.12%1.21%1.19%1.20%1.16%1.17%1.17%1.18%-2 bps
Allowance Coverage of NPLs9.0x3.9x2.2x2.0x3.0x2.9x1.8x3.2x+1.1x
Capital
Tier 1 Leverage Ratio7.92%9.50%8.85%8.72%8.81%9.29%9.60%9.27%+55 bps
Total Risk-Based Capital11.46%11.65%11.86%12.10%12.26%12.50%12.56%12.85%+76 bps
Equity / Assets7.68%8.25%8.42%8.49%8.62%9.29%8.97%9.05%+55 bps
Liquidity & Funding
Loans / Deposits86.41%88.01%85.80%85.80%82.61%89.93%81.37%80.45%-535 bps
Liquid Assets / Assets12.13%11.30%12.63%13.62%14.02%7.14%11.41%9.69%-394 bps
CRE / Total Capitaln/an/an/an/a681%670%666%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

Commercial Bank of California

Irvine, CA · Cert 57417 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19) · CBC Bcorp

State charter, non-member · FDIC · 9 branches

Q2 2026

$4.0BAssets
$2.8BLoans
$3.5BDeposits
$360.1MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 76% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 5 of 17).
  • Widest gap: equity / assets trails 95% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 18 of 19).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.30%

Rank 8 of 19

Net Interest Margin

3.62%

Rank 5 of 19

Efficiency Ratio

55.45%

Rank 12 of 19

Equity / Assets

9.05%

Rank 18 of 19

Non-interest income vs. expense

$24.5M$93.7MINCOMEEXPENSE
Unfavorable gap of $69.2M · efficiency ratio beats 42% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 55.45%Peer median 51.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.30%1.10%1.26%1.57%Beats 58%8 / 19
Return on Equity14.39%8.62%11.28%14.70%Beats 68%6 / 19
Net Interest Margin3.62%3.07%3.30%3.62%Beats 74%5 / 19
Efficiency Ratio55.45%33.01%51.12%56.65%Beats 42%12 / 19
Asset Quality
Nonperforming Loans / Loans0.37%0.37%0.80%1.55%Beats 76%5 / 17
Net Charge-Offs / Loans0.04%0.00%0.01%0.05%Beats 41%11 / 17
Capital
Tier 1 Capital Ratio11.78%12.10%14.67%23.92%Beats 16%16 / 19
Total Risk-Based Capital Ratio12.85%13.35%14.67%24.05%Beats 11%17 / 19
Equity / Assets9.05%9.84%11.18%14.01%Beats 5%18 / 19
Liquidity & Funding
Loans / Deposits80.45%79.34%95.16%100.04%26th pctl14 / 19
Loans / Assets69.86%69.86%77.55%83.04%21st pctl15 / 19
Brokered Deposits / Depositsn/aNot reported for this institution