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

Unfavorable gap of $9.2M · efficiency ratio beats 3% of banks under $1B 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	-1.15%	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 Margin	1.20%	2.71%	3.55%	3.90%	Beats 0%	31 / 31
Efficiency Ratio	249%	60.63%	76.59%	94.27%	Beats 3%	31 / 31
Asset Quality
Nonperforming Loans / Loans	0.28%	n/a	0.24%	1.50%	Beats 43%	18 / 30
Net Charge-Offs / Loans	0.01%	n/a	n/a	0.00%	Beats 13%	27 / 30
Capital
Tier 1 Capital Ratio	10.54%	13.57%	17.54%	23.43%	Beats 3%	30 / 31
Total Risk-Based Capital Ratio	11.80%	13.57%	18.49%	23.43%	Beats 10%	28 / 31
Equity / Assets	7.37%	11.08%	15.23%	19.11%	Beats 0%	31 / 31
Liquidity & Funding
Loans / Deposits	94.21%	77.62%	94.21%	102.14%	48th pctl	16 / 31
Loans / Assets	77.40%	66.86%	74.72%	79.66%	57th pctl	13 / 30
Brokered Deposits / Deposits	n/a	Not reported for this institution