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Excel National Bank

Beverly Hills, CA · Cert 57734

FDIC · 2 branches

Q1 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area3

Basis

Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=30 to 31). 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

4

Q2 2024Q1 2025peer median (50)

Asset Quality

28

Q2 2024Q1 2025peer median (50)

Profitability

3

Q2 2024Q1 2025peer median (50)

Liquidity

100

Q2 2024Q1 2025peer median

Efficiency

3

Q2 2024Q1 2025peer 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

Excel National Bank

Beverly Hills, CA · Cert 57734

FDIC · 2 branches

Q1 2025

$301.7MAssets
$233.5MLoans
$247.8MDeposits
$22.2MEquity
Deposit mix
93%Interest-bearing $230.3M7%Noninterest $17.5MQ1 2024Q1 2025

NIM

4.46%Q1 ’234.74%Q1 ’244.71%Q1 ’25-27%-27%

Non-interest income vs. expense

3.32%Q1 ’233.74%Q1 ’243.13%Q1 ’25+15%-18%

Market Position · Los Angeles-Long Beach-Anaheim, CA · 2024 SOD (annual) · 0.0% share · #82 of 107 inst. · $0.2B of $667.1B

0.1% Los Angeles
0.0% Riverside

Executive Summary

  • Earnings: ROA of -1.16%, up 93 bps year over year; NIM at 1.20%.
  • Asset quality: problem loans at 0.28% of loans (-3 bps YoY), with net recoveries of 0.17%.
  • Capital: tier 1 leverage ratio of 7.71%, down 150 bps from a year ago.
  • Funding: loans stand at 94.21% of deposits as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

-1.16%+93 bps YoY

Net Interest Margin (YTD, annualized)

1.20%-44 bps YoY

Efficiency Ratio (YTD, annualized)

249%+2,228 bps YoY

Tier 1 Leverage Ratio

7.71%-150 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets-2.09%-1.96%-1.82%-1.58%-1.16%+93 bps
Return on Equity-23.08%-22.24%-20.96%-18.67%-15.41%+766 bps
Net Interest Margin1.64%1.75%1.75%1.78%1.20%-44 bps
Efficiency Ratio227%209%210%200%249%+2,228 bps
Non-Interest Burden3.73%3.70%3.72%3.60%3.08%-66 bps
Growth
Asset Growth (YoY)-8.74%-6.06%-5.35%1.78%2.79%+1,153 bps
Loan Growth (YoY)-6.33%-2.98%-6.65%-5.09%-7.63%-131 bps
Deposit Growth (YoY)0.28%-0.64%3.63%10.71%14.96%+1,468 bps
Asset Quality
Nonperforming Loans / Loans0.31%0.30%0.30%0.29%0.28%-3 bps
Net Charge-Offs / Loans-0.07%-0.07%-0.06%-0.09%-0.17%-10 bps
Allowance / Loans1.90%1.92%1.87%1.70%1.53%-37 bps
Allowance Coverage of NPLs6.2x6.4x6.2x5.9x5.5x-0.7x
Capital
Tier 1 Leverage Ratio9.22%8.72%8.38%7.90%7.71%-150 bps
Total Risk-Based Capital12.80%12.39%12.25%12.06%11.80%-101 bps
Equity / Assets8.74%8.36%8.22%7.62%7.37%-137 bps
Liquidity & Funding
Loans / Deposits117.26%114.31%106.86%98.24%94.21%-2,305 bps
Liquid Assets / Assets3.86%3.63%8.97%11.45%11.32%+745 bps
CRE / Total Capitaln/an/an/an/an/an/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

Excel National Bank

Beverly Hills, CA · Cert 57734 · Peer group: banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (n=30-31)

FDIC · 2 branches

Q1 2025

$301.7MAssets
$233.5MLoans
$247.8MDeposits
$22.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 43% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 18 of 30).
  • Widest gap: equity / assets trails 100% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area (rank 31 of 31).
  • Overall: at or above the peer median on 0 of 9 directional measures.

Return on Assets

-1.15%

Rank 29 of 31

Net Interest Margin

1.20%

Rank 31 of 31

Efficiency Ratio

249%

Rank 31 of 31

Equity / Assets

7.37%

Rank 31 of 31

Non-interest income vs. expense

$0.2M$9.4MINCOMEEXPENSE
Unfavorable gap of $9.2M · efficiency ratio beats 3% of banks under $1B in assets in the Los Angeles-Long Beach-Anaheim, CA area
Bank 249%Peer median 76.6%Q2 2024Q1 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-1.15%0.18%0.52%1.04%Beats 6%29 / 31
Return on Equity-15.59%0.93%3.59%7.70%Beats 3%30 / 31
Net Interest Margin1.20%2.71%3.55%3.90%Beats 0%31 / 31
Efficiency Ratio249%60.63%76.59%94.27%Beats 3%31 / 31
Asset Quality
Nonperforming Loans / Loans0.28%n/a0.24%1.50%Beats 43%18 / 30
Net Charge-Offs / Loans0.01%n/an/a0.00%Beats 13%27 / 30
Capital
Tier 1 Capital Ratio10.54%13.57%17.54%23.43%Beats 3%30 / 31
Total Risk-Based Capital Ratio11.80%13.57%18.49%23.43%Beats 10%28 / 31
Equity / Assets7.37%11.08%15.23%19.11%Beats 0%31 / 31
Liquidity & Funding
Loans / Deposits94.21%77.62%94.21%102.14%48th pctl16 / 31
Loans / Assets77.40%66.86%74.72%79.66%57th pctl13 / 30
Brokered Deposits / Depositsn/aNot reported for this institution