PackageTrendsPeer
Letter portraitLegal landscape

Golden State Bank

Glendale, CA · Cert 57585 · Golden State Bcorp

State charter, non-member · FDIC · 3 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

16

Q2 2024Q2 2026peer median (50)

Asset Quality

74

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

51

Q2 2024Q2 2026peer median

Efficiency

21

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

Golden State Bank

Glendale, CA · Cert 57585 · Golden State Bcorp

State charter, non-member · FDIC · 3 branches

Q2 2026

$1.0BAssets
$858.1MLoans
$856.6MDeposits
$109.0MEquity
Loan mix
85%RE $690.8M15%C&I $118.1M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $694.6M19%Noninterest $161.9MQ2 2025Q2 2026

NIM

6.77%Q2 ’246.76%Q2 ’256.88%Q2 ’26+4%+9%

Non-interest income vs. expense

2.03%Q2 ’242.15%Q2 ’252.46%Q2 ’26+7%+12%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2026 SOD (annual) · 0.1% share · #49 of 107 inst. · $0.7B of $667.8B

0.2% Los Angeles
0.4% San Bernardino

Executive Summary

  • Earnings: ROA of 1.26%, up 20 bps year over year; NIM at 4.15%.
  • Asset quality: problem loans at 0.82% of loans (-67 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.04%, up 131 bps from a year ago.
  • Funding: loans stand at 100.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.26%+20 bps YoY

Net Interest Margin (YTD, annualized)

4.15%+33 bps YoY

Efficiency Ratio (YTD, annualized)

58.17%+238 bps YoY

Tier 1 Leverage Ratio

11.04%+131 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.06%1.12%1.11%1.18%1.26%+20 bps
Return on Equity11.13%11.68%11.32%10.89%11.63%+51 bps
Net Interest Margin3.83%3.73%3.79%4.12%4.15%+33 bps
Efficiency Ratio55.79%56.19%57.06%60.80%58.17%+238 bps
Non-Interest Burden2.12%2.08%2.15%2.49%2.38%+26 bps
Growth
Asset Growth (YoY)14.42%12.19%13.95%9.79%8.93%-549 bps
Loan Growth (YoY)17.04%14.14%15.68%8.35%9.27%-777 bps
Deposit Growth (YoY)12.92%12.69%13.10%9.24%8.58%-435 bps
Asset Quality
Nonperforming Loans / Loans1.49%1.48%0.87%0.86%0.82%-67 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.00%-1 bps
Allowance / Loans1.34%1.34%1.34%1.33%1.31%-3 bps
Allowance Coverage of NPLs0.9x0.9x1.5x1.5x1.6x+0.7x
Capital
Tier 1 Leverage Ratio9.72%9.60%10.86%10.62%11.04%+131 bps
Total Risk-Based Capital9.72%9.60%10.86%10.62%11.04%+131 bps
Equity / Assets9.45%9.68%10.75%10.83%10.90%+145 bps
Liquidity & Funding
Loans / Deposits99.54%99.28%101.20%99.43%100.18%+63 bps
Liquid Assets / Assets13.44%13.26%12.67%14.03%12.82%-62 bps
CRE / Total Capitaln/a735%664%625%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

Golden State Bank

Glendale, CA · Cert 57585 · Peer group: banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=17-19) · Golden State Bcorp

State charter, non-member · FDIC · 3 branches

Q2 2026

$1.0BAssets
$858.1MLoans
$856.6MDeposits
$109.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 3 of 17).
  • Widest gap: total risk-based capital ratio trails 100% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 19 of 19).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.23%

Rank 12 of 19

Net Interest Margin

4.15%

Rank 2 of 19

Efficiency Ratio

58.17%

Rank 16 of 19

Equity / Assets

10.90%

Rank 11 of 19

Non-interest income vs. expense

$0.7M$24.3MINCOMEEXPENSE
Unfavorable gap of $23.5M · efficiency ratio beats 21% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.23%1.10%1.26%1.57%Beats 37%12 / 19
Return on Equity11.28%8.62%11.28%14.70%Beats 53%9 / 19
Net Interest Margin4.15%3.07%3.30%3.62%Beats 89%2 / 19
Efficiency Ratio58.17%33.01%51.12%56.65%Beats 21%16 / 19
Asset Quality
Nonperforming Loans / Loans0.82%0.37%0.80%1.55%Beats 47%10 / 17
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%3 / 17
Capital
Tier 1 Capital Ratio11.04%12.10%14.67%23.92%Beats 5%18 / 19
Total Risk-Based Capital Ratio11.04%13.35%14.67%24.05%Beats 0%19 / 19
Equity / Assets10.90%9.84%11.18%14.01%Beats 42%11 / 19
Liquidity & Funding
Loans / Deposits100.18%79.34%95.16%100.04%79th pctl4 / 19
Loans / Assets85.80%69.86%77.55%83.04%95th pctl1 / 19
Brokered Deposits / Depositsn/aNot reported for this institution