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Pacific West Bank

West Linn, OR · Cert 57872 · Pacific West Bcorp

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 under $1B in assets (n=581 to 629). 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

8

Q2 2024Q2 2026peer median (50)

Asset Quality

34

Q2 2024Q2 2026peer median (50)

Profitability

16

Q2 2024Q2 2026peer median (50)

Liquidity

66

Q2 2024Q2 2026peer median

Efficiency

17

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

Pacific West Bank

West Linn, OR · Cert 57872 · Pacific West Bcorp

State charter, non-member · FDIC · 4 branches

Q2 2026

$420.7MAssets
$264.7MLoans
$379.8MDeposits
$36.1MEquity
Loan mix
81%RE $216.9M12%C&I $32.2M7%Consumer $19.4MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $298.8M21%Noninterest $81.0MQ2 2025Q2 2026

NIM

5.13%Q2 ’245.07%Q2 ’254.98%Q2 ’26+13%+2%

Non-interest income vs. expense

3.07%Q2 ’242.88%Q2 ’252.95%Q2 ’26-9%-5%

Market Position · Portland-Vancouver-Hillsboro, OR-WA · 2026 SOD (annual) · 0.6% share · #16 of 26 inst. · $0.4B of $65.4B

2.4% Clackamas
0.4% Multnomah
0.2% Clark

Executive Summary

  • Earnings: ROA of 0.30%, up 18 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 2.98% of loans (-26 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.14%, down 102 bps from a year ago.
  • Funding: loans stand at 69.69% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.30%+18 bps YoY

Net Interest Margin (YTD, annualized)

2.93%+5 bps YoY

Efficiency Ratio (YTD, annualized)

86.73%-508 bps YoY

Tier 1 Leverage Ratio

9.14%-102 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.12%0.20%0.18%0.16%0.30%+18 bps
Return on Equity1.24%2.03%1.88%1.74%3.39%+215 bps
Net Interest Margin2.88%2.88%2.94%3.01%2.93%+5 bps
Efficiency Ratio91.81%89.69%87.78%91.68%86.73%-508 bps
Non-Interest Burden2.61%2.55%2.54%2.73%2.47%-14 bps
Growth
Asset Growth (YoY)12.58%4.34%17.43%17.67%16.37%+379 bps
Loan Growth (YoY)2.47%6.14%9.42%5.21%1.65%-82 bps
Deposit Growth (YoY)28.67%14.91%25.49%23.79%19.14%-953 bps
Asset Quality
Nonperforming Loans / Loans3.24%3.06%2.88%2.92%2.98%-26 bps
Net Charge-Offs / Loans0.56%0.36%0.37%0.00%0.00%-56 bps
Allowance / Loans1.13%1.18%1.15%1.22%1.24%+11 bps
Allowance Coverage of NPLs0.3x0.4x0.4x0.4x0.4x+0.1x
Capital
Tier 1 Leverage Ratio10.15%9.96%9.80%9.03%9.14%-102 bps
Total Risk-Based Capital10.15%9.96%9.80%9.03%9.14%-102 bps
Equity / Assets9.54%9.78%9.21%8.84%8.57%-97 bps
Liquidity & Funding
Loans / Deposits81.69%85.91%80.79%74.91%69.69%-1,199 bps
Liquid Assets / Assets12.22%9.38%14.62%19.91%23.01%+1,079 bps
CRE / Total Capitaln/a517%533%527%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

Pacific West Bank

West Linn, OR · Cert 57872 · Peer group: banks under $1B in assets (n=581-629) · Pacific West Bcorp

State charter, non-member · FDIC · 4 branches

Q2 2026

$420.7MAssets
$264.7MLoans
$379.8MDeposits
$36.1MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 60% of banks under $1B in assets (rank 236 of 581).
  • Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets (rank 612 of 629).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.29%

Rank 551 of 629

Net Interest Margin

2.93%

Rank 494 of 629

Efficiency Ratio

86.73%

Rank 526 of 629

Equity / Assets

8.57%

Rank 516 of 629

Non-interest income vs. expense

$1.9M$12.1MINCOMEEXPENSE
Unfavorable gap of $10.1M · efficiency ratio beats 17% of banks under $1B in assets
Bank 86.73%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.29%0.60%1.01%1.45%Beats 12%551 / 629
Return on Equity3.36%5.38%9.30%13.28%Beats 16%527 / 629
Net Interest Margin2.93%3.03%3.54%4.05%Beats 21%494 / 629
Efficiency Ratio86.73%58.35%67.79%79.08%Beats 17%526 / 629
Asset Quality
Nonperforming Loans / Loans2.98%0.09%0.46%1.20%Beats 7%541 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 60%236 / 581
Capital
Tier 1 Capital Ratio9.14%11.24%13.84%18.77%Beats 3%612 / 629
Total Risk-Based Capital Ratio9.14%11.58%14.43%19.66%Beats 3%612 / 629
Equity / Assets8.57%9.09%10.65%13.80%Beats 18%516 / 629
Liquidity & Funding
Loans / Deposits69.69%67.24%80.90%93.48%30th pctl414 / 594
Loans / Assets62.91%53.31%67.71%78.15%41st pctl373 / 629
Brokered Deposits / Depositsn/aNot reported for this institution