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

Unfavorable gap of $23.5M · efficiency ratio beats 21% of banks $1B-$10B in assets in the Los Angeles-Long Beach-Anaheim, CA area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	1.23%	1.10%	1.26%	1.57%	Beats 37%	12 / 19
Return on Equity	11.28%	8.62%	11.28%	14.70%	Beats 53%	9 / 19
Net Interest Margin	4.15%	3.07%	3.30%	3.62%	Beats 89%	2 / 19
Efficiency Ratio	58.17%	33.01%	51.12%	56.65%	Beats 21%	16 / 19
Asset Quality
Nonperforming Loans / Loans	0.82%	0.37%	0.80%	1.55%	Beats 47%	10 / 17
Net Charge-Offs / Loans	0.00%	0.00%	0.01%	0.05%	Beats 100%	3 / 17
Capital
Tier 1 Capital Ratio	11.04%	12.10%	14.67%	23.92%	Beats 5%	18 / 19
Total Risk-Based Capital Ratio	11.04%	13.35%	14.67%	24.05%	Beats 0%	19 / 19
Equity / Assets	10.90%	9.84%	11.18%	14.01%	Beats 42%	11 / 19
Liquidity & Funding
Loans / Deposits	100.18%	79.34%	95.16%	100.04%	79th pctl	4 / 19
Loans / Assets	85.80%	69.86%	77.55%	83.04%	95th pctl	1 / 19
Brokered Deposits / Deposits	n/a	Not reported for this institution